LifetimeFlex and 365Flex Policy Document

vet supervision.

(amendment) Act 1992, Republic of Ireland or contravention of the Dogs (Protection of Livestock) Act 1953. 11. The cost and compensation for euthanasia of your pet under 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. You breaking the United Kingdom or Republic of Ireland laws, or regulations, including those relating to animal health or importation. 13. Malicious or wilful injury or gross negligence to your pet caused by you , your agents, employees, or members of your family. 14. Any medication or treatment not recommended by a vet . 15. 15. Any dog that is an, American Pit Bull Terrier, Dogo Argentino, Fila Braziliero, Japanese Tosa, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, wolf or wolf hybrid, or a dog 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 dog crossed with any of these. 16. The recurrence or continuation of illness or disease from which your pet previously suffered arising prior to or within 14 days of the start of this insurance. 17. The recurrence or continuation of an injury or disease resulting from an injury from which your pet previously suffered arising prior to or within 24 hours of the start of this insurance. 18. Your pet being used for commercial breeding purposes, guarding , track racing, coursing, or used in connection with any business, trade, profession, or occupation. 19. Any loss due to variations in exchange rates of any and every description. 20. Where fraud has been committed against us or where false information has been provided to us . 21. Any liability where you are entitled to cover or benefit under any other insurance unless that cover is exhausted. 22. Any infringement of UK animal health and importation legislation. 23. Any pet sold or where any financial interest whatsoever is parted with by you , whether temporarily or permanently. 24. Any claim under Section 3 – Death of your pet ( illness ) for dogs or cats aged 8 and above. 25. Liability in respect of pollution or contamination of buildings or other structures or of water or land or the atmosphere unless directly 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.

8. Furthermore there is no cover provided for these diseases in the event that the required vaccinations have not been administered to your pet by a vet . 9. Homeopathic vaccines are not acceptable. 10. 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. 11. 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. 12. You agree that your current and/or previous vet may release all information or records regarding your pet to us or our agent and that we may release information about your policy to any vet who has either treated your pet or is about to treat your pet . If the vet charges you for this information you will be responsible for the costs. 13. If there is a disagreement between your vet and our vet , an independent vet mutually agreed upon by both sides will be appointed and act as arbiter, whose decision both you and we must keep to. 14. You agree that we may take over any claim and deal with it in your name. 15. We will not make any payment for any claim covered by other insurance until that cover has been exhausted. 16. You agree to observe 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. General exclusions applicable to all policy sections We will have no liability for: 1. Any claims for a pet not named in the policy schedule. 2. Any claims made for any event, accident, illness, incident, or injury that happens outside of the period of insurance. 3. 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. 4. Any claims for a pet under the age of eight weeks . 5. Any claims under any section of cover where the premium has not been paid. 6. Any claims arising outside the territorial limits of the United Kingdom and the Member Countries of the Pet Travel Scheme (PETS) (excluding long haul countries as defined by DEFRA). 7. Claims arising 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. 8. Claims arising due to ionising radiations or contamination by radioactivity from any fuel or from any nuclear waste from the combustion of nuclear fuel. 9. Claims arising due to the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly. 10. The confiscation or destruction of your pet by Government or Public Authorities, or under the Animals Act 1971 United Kingdom and the Control of Dogs Act 1986 and Control of Dogs

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