LifetimeFlex and 365Flex Policy Document

maximum of £100 and only if it is recommended by your vet to alleviate incurable and inhumane suffering. This insurance also extends to cover your pet under the Pet Travel Scheme (PETS) whilst temporarily located in any European member country of the Pet Travel Scheme (PETS) (EU countries only as defined by DEFRA), but only for a maximum stay of 30 days during the policy period for 365Flex £2,500, 365Flex £5,000, LifetimeFlex £2,000 and LifetimeFlex £4,000 and 180 days under LifetimeFlex £6,000, LifetimeFlex £8,000, LifetimeFlex £10,000 and LifetimeFlex £12,000 What is not covered? 1. Policy excess, this is shown on your policy schedule . i. The fixed excess is a fixed amount payable once per injury or illness per period of insurance , each separate injury , or illness not resulting from the same incident will require a separate fixed excess .

Section 1: Veterinary fees

What is covered?

Cover level - 365Flex We will pay you for all customary charges made for treatment carried out by a vet. Cover is provided for an accident, illness, or injury occurring to your pet, subject to the policy vet fees limit shown on your policy schedule. The limit of cover, is on a per accident, illness or injury basis and is for a period of 12 months from the date that the incident is first noted. The fixed excess and variable excess are on a per incident , per period of insurance basis. Cover level - LifetimeFlex – All covers The cover is provided for an accident , illness , or injury occurring to y our pet , subject to the limit of cover shown on your policy schedule for each period of insurance to cover all injuries or illness from the one annual policy limit. The fixed excess and variable excess are on a per incident , per period of insurance basis. Cover is continuous for each separate illness or injury up to the limit overall of the policy for the period of insurance , subject to cover still being in force and relevant premiums having been paid. Treatment in respect of any illness or injury can continue into the next period of insurance . Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums paid up to date. We cover fees for any alternative or complementary medicine which the vet recommends and as approved by us , up to the limit shown in the table of benefits including up to ten sessions of hydrotherapy provided by hydrotherapy pool operators who are members of the CHA (Canine Hydrotherapy Association ) or NARCH (National Association of Registered Canine Hydro-therapists ). Dental (all levels of cover) - we will pay fees for dental treatment as a result of an accident and subject to evidence of yearly dental check-ups where any work recommended is carried out at your own expense we will also cover dental treatment as a result of illness . We will contribute to the cost of your pet’s prescription food, up to a maximum of £100 per period of insurance as long as it is prescribed by your vet and can only be bought from a veterinary surgery or online pharmacy and it is to dissolve bladder stones or crystals in urine and for no other purpose. We will deduct 53p a tin or £1.00 per kilo for dry food as your normal feeding costs for your pet. We will not be liable for any other dietary costs under this policy . The maximum that we will pay for special diet is £100 for up to 60 days per period of insurance . Please note any special diet payment for bladder stones or crystals in urine will cease once these are dissolved. We will not continue to pay as a preventative measure to stop the stones re-occurring. We will pay you for your vets recommended treatment for b ehavioural illness which could not have been avoided by training or medical intervention. Behavioural modification treatment to be carried out only after pre- approval and carried out by a member of approved behavioural training body as listed on page 3. Fees for putting your pet to sleep (Euthanasia) - It is a condition of this policy that we provide cover or benefit in respect of Euthanasia up to a

Depending on the age of your pet , or if you choose it, there may also be a variable excess - this will be detailed in your policy schedule . If treatment is received at the same time for a number of injuries or illnesses , including treatment carried out under one anaesthetic. A fixed excess will apply and depending upon the age of your pet or if chosen, a variable excess will also apply to the treatment received for each injury or illness . Where treatmen t for different, injuries or illnesses are carried out at the same time and the cost of treatment cannot be identified. The cost of treatment will be split equally between each injury or illness and the fixed excess and depending upon the age, breed of your pet or if chosen, a variable excess applied to each part.

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2. For 365Flex policies, any treatment where the policy limit per injury or illness has been reached. 3. For 365Flex policies, any treatment more than 12 months from the date that the injury or illness has been first noted by you or your vet. 4. For all LifetimeFlex policies, any treatment more than the policy limit shown on the policy schedule for all incidents in the period of Insurance. 5. Any treatment after the policy has lapsed/expired. 6. Any illness arising prior to or within the first 14 days of the inception date of the insurance or pre-existing condition. 7. Any accident or injury arising prior to or within the first 24 hours of the inception date of the insurance or pre-existing condition. 8. More than 10 hydrotherapy sessions per illness or injury, or hydrotherapy as an aid to weight loss. 9. For any cost of spaying, or partial cost of any treatment that includes ovarian hysterectomy as a preventative, or treatment solution for any illness , including (but not limited to) false pregnancy, or mammary tumours. 10. Preventative or elective treatments , routine examinations and treatment including but not limited to :

i. Killing and controlling fleas. ii. Routine spaying or castration. iii. Whelping or kittening. iv. Routine removal of dewclaws. v. Routine worming. vi. Routine blood tests.

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