LifetimeFlex and 365Flex Policy Document

which you are entitled to make a claim you must report the incident to that insurance company and tell us their name and address and your policy and claim number with them. We will not make any payment for

10. You must provide and pay for all information, documents, and assistance that we request; including vet certificates and records, details of any other relevant insurance that may apply, and supporting evidence of any claim and the circumstances around the claim. 11. You agree that we may take over any claim and deal with it in your name. 12. We will not make any payment for any claim covered by other insurance until that cover has been used up. 13. You agree to read and follow the terms of the Animal Welfare Act 2006, and Control of Dogs Order 1992. Any dog in a public place must wear a collar with the name and address of the owner engraved on it, or engraved on a tag. Your telephone number is also advisable. What we will not cover This policy will not cover: 1. Any claims for a pet not named in the policy schedule. 2. Any pet that has previously shown signs of aggressive behaviour, been trained to attack or is used for guarding . 3. Your pet being used for commercial breeding purposes (this is where your pet has had more than 2 litters in its lifetime) track racing, coursing, or used in connection with any business, trade, profession, or occupation (whether you are paid for such purposes or not). 4. Any claims made for any incident that happens outside of the period of insurance . 5. Any claims made for any incident that happens outside of the UK or EU. 6. Any death or destruction of your pet as a result of illness resulting from the failure to vaccinate your pet in accordance with the practice recommended by the British Small Animal Veterinary Association. 7. Any claims for a pet under the age of eight weeks . 8. Claims where any injury or illness is due to war, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, terrorism , revolution, insurrection or military or usurped power. 9. Claims where any injury or illness due to ionising radiations or contamination by radioactivity from any fuel or from any nuclear waste from the combustion of nuclear fuel. 10. The taking of your pet or it being put to sleep by Government or Public Authorities, or under the Animals Act 1971 United Kingdom and the Control of Dogs Act 1986 and Control of Dogs (amendment) Act 1992, Republic of Ireland or contravention of the Dogs (Protection of Livestock) Act 1953. 11. Any claims if your pet is put to sleep due to a court order or the Contagious Diseases Act. Claims arising due to the intentional slaughter, irrespective of any order by Government, Local Authority or any person having jurisdiction in the matter. 12. Any claim which is due to you breaking the United Kingdom or Republic of Ireland laws, or regulations, including laws or regulations which deal with the health of your pet, vaccinations or the moving of your pet from one country to another. 13. Any claim for deliberate injury to your pet or where it has not been cared for properly by you , anyone who lives with you , employees,

or members of your family. This includes your pet not being fed properly, not giving it proper shelter or medical attention when required. 14. Any medication or treatment not recommended by a vet . 15. Any pet that is an African Crested Dog, Aladseer, American Akita, American Bandogge, American Bulldog, American Bully, American Mancon, American Pit Bull Terrier, American Pocket Bully, American Staffordshire Bull Terrier, Argentinian Mastiff, Australian Dingo, Bandogge Mastiff, Bandogs, Boar Hounds, Boerboel, Bully Kutta, Canadian Inuit, Canary Dog, Cane Corso, Cao Fila, Chinese Shar Pei, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiros, Dogue de Bordeaux, Fila Braziliero, Grand Bleu de Gascoigne, Inuit, Irish Staffordshire Bull Terrier, Japanese Tosa, Korean Jindo, Laika, Lybian Desert Dog, Mexican Hairless (Miniature, Standard or Intermediate), Northern Inuit Dog, Perro De Presa Canario, Pit Bull Terrier, Portuguese Podengo, Presa Canario, Racing Greyhound, Saarloos Wolfhound, Segugios Italiano, Shar Pei, Tamaskan, Tosa Inu, Utonagan, Wolf Dog, Wolf Hybrid, Working Sheepdog, Asian Leopard, Feral, Munchkin, Weiner Cat, or a pet crossed with these, or any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) order 1991 or Dangerous Dogs (amendment) Act 1997 or any subsequent amendments or a pet crossed with any of these. 16. Illnesses which your pet previously suffered before or during the first 14 days of the start of this insurance. 17. Injuries which your pet previously suffered before or during the first 24 hours of the start of this insurance. 18. Your pet being used for track racing, coursing, or used in connection with any business, trade, profession, or occupation. 19. If your pet has treatment when abroad and you pay the vet bill then we will not be responsible for any money you lose because the exchange rate changes. 20. Where fraud has been committed against us or where false information has been provided to us . 21. Any claim where you have cover under any other insurance unless that cover is used up. 22. Any pet sold or where any financial interest whatsoever is parted with by you , whether temporarily or permanently. 23. Any claim under Section 3 – Death of your pet ( illness ) for dogs or cats aged 8 and above. 24. Any incident in respect of pollution or contamination of buildings or other structures or of water or land or the atmosphere. We will however cover any incident caused by a sudden identifiable unintended and unexpected occurrence which takes place in its entirety at a specific moment in time and place during the period of insurance provided that: (a) All pollution or contamination which arises out of one occurrence will be deemed to have occurred at the time such occurrence takes place; (b) Our liability for all damages and claimants costs and expenses payable in respect of all pollution or contamination which is deemed to have occurred during the period of insurance shall not exceed £1,000,000 in the aggregate.

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. The law that applies to this policy The law of England and Wales will apply to this policy unless you and we agree differently. Alternatively, if you live permanently in Scotland, Northern Ireland, the Channel Island or the Isle of Man, the law of that country will apply (unless agreed otherwise). This policy and all other information concerning it are written in the English language. 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. Travelling with your pet This policy is valid in the UK and includes cover while you travel on holiday with your pet in the EU for up to 30 days in each period of insurance . It also provides cover while you travel on holiday with your pet 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 . Please visit the gov.uk website to follow the latest guidance on travel within the EU post-Brexit. 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. Making changes once the policy has started Please contact us as soon as you are aware of any changes that need to be made to your policy , such as your postal address, phone number or email address. A change in your or your pet’s details may mean the premium for the rest of the period of insurance may change as well. Upgrades or downgrades in cover level Changes can be only be made at renewal. Whenever you do this you must be aware that if you change to a policy with more or better benefit limits those benefit limits will not apply if a condition is present before you make the change. If that is the case the benefit limits that you had when the condition happened will apply. If you transfer your pet to a policy with lower benefit limits, the higher benefit limit will no longer apply to any claims/condition you are currently making. Should you choose to decrease your cover level all existing conditions will be subject to the new lower policy terms. If you move to a policy with lower benefit limits those new limits will apply straight away and to any claim you are currently making. Dual insurance You must tell us if you have another insurance policy which covers your pet for anything this policy covers. If there is any other insurance under

any incident covered by any other insurance policy. 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). What we ask of you Like all insurance policies there are some things that you are not allowed to do if you want us to pay for the claims you make. You must do as we ask below, if you do not then we may cancel your policy , not deal with your claim or reduce the amount we do pay. If there is anything we ask that you do not understand then please contact us as soon as you can. 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 condition . 2. You must own your pet, both you and your pet must live at all times at the address shown on your policy schedule, 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. 3. Your pet must be named on the policy schedule . 4. 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. 5. You must contact us as soon as you become aware of any circumstances that could result in a claim. 6. You must pay any premium when it becomes due. 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 vet supervision. 8. Homeopathic vaccines are not acceptable. 9. You must provide proper care and attentions to your pet at all times and pay to have any treatment normally recommended by a vet to prevent illness , injury, or disease.

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