LifetimeFlex and 365Flex Policy Document

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. Policy: Your policy wording and most recent policy schedule. Policy wording: This document tells you what you can or cannot claim for under your policy . Policy schedule: The policy schedule shows 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 another 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 . Terrorism: Means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. Treatment: Any examination, consultation, advice, tests, x-rays, ultrasound, CT scan, MRI scan, drugs, or medication administered or prescribed surgery, nursing, or care; provided by, or under the direction of, a vet . Unattended: Any occasion where your pet is left alone or out of sight. United Kingdom/UK: England, Scotland, Wales, Northern Ireland, and the Isle of Man. Variable excess: The percentage amount you are required to pay towards the costs of the veterinary fees in addition to the fixed excess (only if you have chosen to have this included on your policy). Variable excess becomes compulsory when your dog turns the age of 6 years or your cat turns the age of 8 years even if this happens mid policy year. If treatment spans your dogs 6th or cats 8th birthday, the variable excess will apply to any treatment taking place on and after this date for that claim and would then apply to all future claims made for any condition or treatment. If at any point you choose to have this included on your policy , this cannot be removed again at any time. This amount will be deducted from the claims settlement after the deduction of the fixed excess on the claimable amount, refer to your policy schedule if this is applicable. Vet/Veterinary/Veterinary Surgeon: A member of the Royal College of Veterinary Surgeons actively working as a veterinary surgeon in the UK or veterinary surgeon registered and actively working outside the UK . We/Us/Our: Insurance Factory Limited acting as administrators for West Bay Insurance Plc, registered in Gibraltar No 84085.Registered Office: 846-848, Europort, Gibraltar. Regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting Insurance business in the UK (Financial services Register Number 211787) These details can be checked on the Financial Services Register at www.fca.org.uk, or the Prudential Regulation Authority on 020 7601 4444. West Bay Insurance Plc. is a member of the Association of British Insurers. You/Your: The person named on the policy schedule who is the owner and carer for the pet .

What words mean

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 event which happens during the period of insurance resulting in 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. Dental: Any treatment of the teeth gums or mouth. Fixed excess: The amount you have 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: Your pet being used for commercial security work or if you or anyone living with you hold a Security Industry Authority (SIA) license of any description and carry out any activity that the SIA license allows. Holiday: Means a pleasure trip outside the UK to an EU country which starts from and ends at your address as shown in your policy schedule . Illness: 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. Incident: Any clinical sign of injury or illness in your pet . Injury: Clinical sign or symptoms of changes in your pet’s normal state of health resulting from an accident including multiple injuries resulting from one accident . 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 your pet is covered as shown on your policy schedule . Each renewal is the start of a new period of insurance. Pet: Your dog or cat who lives with you all of the time at the address shown 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

Consumer Insurance (Disclosure and Representations) Act 2012 When taking out your policy , you must take all care in answering all questions asked honestly and to the best of your knowledge. This includes anything asked within your application for insurance as well as any information relating to your pet’s medical history. Your failure to supply truthful answers could mean your policy is cancelled or your claim is not paid or fully paid. If you are not sure about any questions asked or the answers you have given then please contact our Customer Services Department on 0808 164 8008 .

Introduction

This is a pet insurance policy that lasts for a year and you must pay the full year’s premium in one payment or by monthly instalments. Your insurance contract is made up of this policy wording , your policy schedule and the information you gave when arranging this insurance or at any time after. To know exactly what is covered by your insurance contract you need to read your policy wording together with your policy schedule. In return for having accepted your premium, we will in the event of injury , illness , loss, or damage happening within the period of insurance provide insurance cover as described in the following pages and referred to in your policy schedule . Who provides your insurance? MiPet Cover pet insurance is arranged and administered by Insurance Factory Limited, authorised and regulated by the Financial Conduct Authority under Financial Services Register number 306164, a company registered in England and Wales (company number 02982445); registered at 45 Westerham Road, Sevenoaks, Kent TN13 2QB. Insurance Factory Limited is part of the Markerstudy Group of companies. The insurance is underwritten by West Bay Insurance plc.

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