LifetimeFlex and 365Flex Policy Document

the additional or higher benefit limits will not apply if the condition signs or symptoms started before the transfer date. If you transfer your pet to a plan with lower benefit limits, the higher benefit limit will no longer apply to any claims you are currently making. In cases where the cover is increased, any illness or injury in existence prior to the change in cover level will be covered under the terms applicable when the condition first started. Should you choose to decrease your cover level all existing conditions will be subject to the new lower policy terms. Dual insurance If at the time of any incident which results in a claim under this policy , there is another insurance covering the same injury , illness , bodily injury , death, damage, destruction, expense, or liability we will not pay

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, registered at 45 Westerham Road, Sevenoaks, Kent TN13 2QB and the insurance is underwritten by 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). The law applicable to this policy You and we are free to choose the law applicable to the policy , but in the absence of agreement, to the contrary the law of the country in which you are resident at the time of the contract will apply. If you are not resident in the United Kingdom, the law which will apply will be the law of England and Wales and by purchasing this policy you have

compensation unless that cover has been exhausted. Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk). General conditions applicable to all policy sections You must comply with and agree to the following conditions to have the full protection of your policy . If you do not follow these conditions we may cancel your policy ; refuse to deal with your claim; or reduce the amount of any claim payment. Should your circumstances change in the policy year please contact us to confirm that your cover remains in force. 1. To the best of your knowledge and belief that at the start of this insurance your pet is in good health and free from any injury, illness or physical disability and where you are aware of any health problem with your pet you agree to inform us of that condition and accept that the condition will be treated as a pre-existing conditio n. 2. Your pet has never shown aggressive tendencies and has not been trained to attack. 3. You must be the owner of the pet and your pet must be a minimum of eight weeks old and no older than the age set out in the policy schedule on the start date of the policy . Please note the maximum age for new policies is a dog or cat’s 15th birthday for 365Flex cover level and the 8th birthday for dogs and 10th birthday for cats in respect of LifetimeFlex cover. 4. Your pet must be named on the policy schedule . 5. Your pet must live with you at the UK address given in the policy schedule . Your cover will cease immediately if your pet is sold or where any financial interest whatsoever is parted with by you , whether temporarily or permanently or if your pet is no longer ordinarily resident in your home. 6. You must contact us as soon as you become aware of any circumstances that could result in a claim. 7. You must take your pet for regular annual check-ups and keep your pet vaccinated: DOGS; against distemper, hepatitis, leptospirosis and parvovirus. CATS; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia OR: As advised by your vet due to the particular needs or circumstances of your pet . All vaccinations must be administered under

agreed to this. Data consent

By accepting the policy terms, you are giving us permission to obtain information from your vet , former vets or specialist to assist us with your claim. You agree to obtain any documents that we require to assess your claim from your vet , specialist, or third party that we request at your own expense. Territorial limits This policy is valid in the UK and includes cover while you travel on holiday with your pet in the UK and Republic of Ireland for up to 30 days in each period of insurance . It also provides cover while you travel on holiday with your pet in the European Union States and Territories included in the Government’s Pet Travel Scheme (PETS ) for 30 days under 365Flex £2,500, 365Flex £5,000, LifetimeFlex £2,000 and LifetimeFlex £4,000, cover levels and 180 days under LifetimeFlex £6,000, LifetimeFlex £8,000, LifetimeFlex £10,000 and LifetimeFlex £12,000 within in each period of insurance . Renewal terms If we offer further periods of insurance , we may change the premium and the policy terms and conditions as your pet gets older and to allow for future increases in treatment costs. Mid-term policy changes In the event of a change in your pet details or your details we will amend the premium for the rest of the period of insurance . Upgrades or downgrades in cover level We do not allow changes in cover level in the policy year, should you decide to change the level of cover this can only be done at renewal. If you transfer y our Pet to a plan with additional or higher benefit limits,

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