LifetimeFlex and 365Flex Policy Document

Illness/illnesses: changes in your pets state of health that are not caused by an accident, or any which may be resulting from gradual or biological cause. Recurring and/or on-going illnesses shall be considered as one loss. Such illness being defined as:- a) Clinical manifestations resulting in the same diagnosis (regardless of the number of incidents or areas of the body affected) to which your pet has an on-going predisposition or susceptibility related in any way to the original claim; or b)  Illnesses which are incurable and likely to continue for the remainder of your pet’s life. For illnesses that can have multiple sites or bilateral illnesses such as eyes, ears or legs we shall treat all occurrences of an illness as the same illness and apply just one vet fee limit and charge only one excess. This is the definition as to how benefits are provided under this policy of insurance. If the condition diagnosis by your veterinary surgeon is the same as a previous condition they will be treated as the same condition even if the problem is a different part of your pets body, if your pet has a growth on the left ear which is subsequently found on the right ear both will be treated in benefit terms as the one condition. Benefit limits and the start date for the condition will be from the date that the left ear growth was found irrespective of the time difference between diagnoses. We will always treat the same diagnosis as one condition irrespective of when or where in your pets body the symptoms are found, even where the condition is diagnosed in different legs for the purposes of allocating benefits and deciding the start date for the condition it will be the date that the first symptom was diagnosed. For the avoidance of doubt an illness is taken to start from the date that symptoms are first noticed, by either you or your vet (whichever is the earliest) not the date that an illness is first treated by your vet. Market value: The average price we are able to determine paid at the date of death based on age breed, pedigree, and breeding status of your pet . Period of insurance: The period for which the premium has been paid and for which your pet is covered as shown on your policy schedule .

Definitions

Certain words or phrases in your policy have a particular meaning whenever they appear in bold. These words and their meanings are explained below: Accident: One sudden and unexpected external event which happens during the period of insurance resulting in physical bodily injury or death to your pet . Alternative medicine: Herbal or homeopathic medicine recommended by your vet and prescribed by a suitably qualified vet . Behavioural illness: A change in your pet’s normal behaviour, directly caused by a medical, mental, or emotional disorder which could not have been avoided by training or medical intervention. Treatment to be carried out only after pre-approval and carried out by a member of approved behavioural training body. Behavioural modification: A programme or training regime conducted by or under the supervision of a veterinary surgeon or a pre-approved program of behavioural modification carried out by a behaviourist who is a member of The Institute of Modern Dog trainers (IMDT), a Certified Clinical Animal Behaviourist (CCAB) or member of the Association of Pet Behaviour Counsellors (APBC) or Canine and Feline Behaviour Association (CFBA). Complementary medicine/therapy/treatment: Acupuncture, hydrotherapy, osteopathy, physiotherapy and chiropractic therapy recommended by your vet and carried out by a suitably qualified person that has been specifically recommended by your vet . Commercial breeding: Any pet that has had more than 2 litters in its lifetime will be considered commercial breeding and as such we will not insure the pet . In the event that a third or more litter occurs during a period of insurance we will not invite renewal of cover, but will continue to maintain cover previously agreed until the end of that period of insurance. Dental: Any treatment of the teeth gums or mouth. Fixed excess: The amount you are required to pay as part of certain claims made under the policy as shown in your policy schedule and will be payable each year for each illness or injury . Guarding: This policy excludes all pets used for commercial security work or those which have been trained to attack. All cover is excluded for any policyholders who also hold a Security Industry Authority (SIA) licence of any description whilst undertaking the designated activity that the SIA licence allows. Holiday: Means a pleasure trip to a European State or Territory included in the Pet Travel Scheme (PETS) which starts from and ends at your address as shown in your policy schedule . Incident: Any clinical sign of injury or illness in your pet . Injury/injuries: Clinical sign or symptoms of changes in normal healthy state resulting from one individual accident , including directly or indirectly related problems, no matter where these are noticed or occur in or on your pet . Recurring and/or chronic injuries shall be considered as one loss. Such injuries being defined as: a) Clinical manifestations resulting in the same diagnosis (regardless of the number of Injury or areas of the body affected) to which your pet has an on-going predisposition or susceptibility related in any way to the original claim; or b)  Injuries which are incurable and likely to continue for the remainder of your pet’s life; or c) Multiple injuries being caused by or resulting from one accident will be treated as one loss.

Each renewal is the start of a new period of insurance. Pet: The dog or cat specified in your policy schedule .

MiPet Cover: MiPet Cover is a trading name of CVS (UK) Limited which is an appointed representative of Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales number 02982445. Registered office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at www.fca.org.uk/register. Pet Travel Scheme (PETS): The Government scheme allowing you to take your pet abroad to certain specified countries and re-enter the United Kingdom without the need for your pet to go into quarantine, provided certain criteria have been adhered to. Policy: Your policy wording and most recent policy schedule. Policy wording: This booklet, which contains the terms and conditions of your pet insurance. Policy schedule: This is a document issued by us to you with your policy wording . The policy schedule contains details about you , your pet , policy limits and excesses that apply to the specific cover that you have purchased. Pre-existing condition: Any illness or injury or complication directly resulting from an injury or illness , whether diagnosed or undiagnosed that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance or within the first 14 days of the policy for illness or 24 hours in the case of injury .

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