LifetimeFlex and 365Flex Policy Document

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 in countries covered by the Pet Travel Scheme (PETS) . We/Us/Our: Insurance Factory Limited acting as administrators for Zenith 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, or the Prudential Regulation Authority on 020 7601 4444. Zenith 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 . Consumer Insurance (Disclosure and Representations) Act 2012 In entering into this contract you are under a duty to take all care in answering all questions in relation to this insurance honestly and to the best of your knowledge. This includes anything that appears within your policy schedule as well as any information relating to your pet’s medical history. Your failure to take reasonable care to avoid misrepresentation in relation to the information provided could result in your policy being cancelled or your claim being rejected or not fully paid. If you are in any doubt about your duty to take reasonable care not to make a misrepresentation please contact our Customer Services Department on 0808 164 8008 .

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. Example of how to calculate the amount you will have to pay in the event of a claim. A valid claim arises for a dog’s veterinary fees totalling £300.00 Amount Claimed £300 Less Fixed Excess £100 £200 Less Variable Excess 10% = £20 £180 Total Excess paid by you £120 Total paid by us £180


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