LifetimeFlex and 365Flex Policy Document

LifetimeFlex £2k & £4k

LifetimeFlex £6k & £8k

LifetimeFlex £10k & £12k

365Flex £2.5k

365Flex £5k

MiPet Cover Benefit

Lifetime per year £2,000 or £4,000 per year

Lifetime per year £6,000 or £8,000 per year

Lifetime per year

12 Month

12 Month

Product type

£10,000 or £12,000 per year

£2,500 per condition

£5,000 per condition

Vet’s fees Choose from

Including complementary therapies up to

£1,000 per year

£1,500 per year

£2,000 per year

£250 per condition Choose between £100-£200

£500 per condition Choose between £100-£200

Choose between £100-£200

Choose between £100-£200

Choose between £100-£200

Fixed excess (Per condition, per year. In £25 increments)

Variable excess (optional*) Payable in addition to the fixed excess

10%

10% 10% 10%

10%

Death from illness (max age 8)

£1,000

£1,500

£2,000

£500

£750

Death from accident

£1,000

£1,500

£2,000

£500

£750

Advertising

£750

£1,000

£2,000

£500

£750

Reward

£500

£750

£1,000

£500

£750

Loss by theft

£1,000

£1,500

£2,000

£500

£750

Boarding and kennel fees

£750

£1,500

£2,000

£250

£500

Third party liability (Dogs only)

£1M

£2M

£3M

£1M

£1M

Holiday cancellation

£1,000

£1,500

£2,000

£500

£750

Quarantine costs

£500

£750

£1,500

£250

£500

Loss of pet passport

£250

£250

£250

£250

£250

Emergency expenses abroad

£500

£750

£1,000

£250

£500

Repeat tick and worming

£500

£750

£1,000

£250

£500

Helplines

*Once added, it cannot be removed for the lifetime of the policy. Variable excess is compulsory for dogs 6 years + and cats 8 years +.

Lifetime Flex Lifetime policy explanation

365 Flex 12 month policy explanation

LifetimeFlex cover are all lifetime policies, which means this cover provides one financial limit for all new accidents and illnesses, combined per year. When the financial limit has been reached, no further claims can be made until the policy is renewed. At which point, the financial limit is fully reinstated and you can continue to claim. Lifetime cover is continually offered as long as your policy remains in force with no breaks in cover, premiums are kept up to date and the insurer offers renewal.

365Flex cover level is a “time-limited” policy which means from the earliest date you or your vet first see or note each accident or illness, you are covered either up to 12 months from this date or up to the veterinary fee limit (whichever of these limits is reached first). Once either the 12 month or veterinary fee limit is reached, the accident or illness is no longer covered under the policy.

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