If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet’s death. What is not covered? 1. Death caused by an accident . 2. Death caused by any illness that occurs prior your pet’s insurance first starting. 3. Any claim where the illness is excluded from claim under Section 1 veterinary fees. 4. If at the time of death your pet is over one year and 28 days of age. 5. If your pet is put to sleep due to aggression unless this can be attributed to an illness . 6. Any claim where your pet is put to sleep due to aggression unless this can be attributed to an illness . 7. Any claim where you are not able to provide us with confirmation from your vet or statement from an independent witness.
14. Any claim if your pet is a cat. 15. Any claim resulting from your pet passing on any disease or virus. 16. Any claim where you have not followed advice given to you by previous owners of your dog or by any rehoming organisation about your dog’s behavioural traits. 17. Any claim whilst your pet is being transported in a motorised vehicle. 18. Fines, penalties or your breach of quarantine restrictions or import or export regulations. 19. Any damages, costs or expenses if you are insured under any policy which covers any liability relating to your pet (including your household insurance) unless that cover has been used up. 20. Any claim costs over the policy limit under this section of your policy . 21. Any amount over £1,000,000 in respect of all incidents occurring during the period of insurance . 22. Any claim for incidents outside of the UK . Special conditions that apply to this policy section 1. You must contact us as soon as there is an incident that could lead to a claim. 2. You must not admit to anyone that your pet was at fault, offer any payment, make a payment, or try to agree a payment. 3. You must forward on to us any letters, writs, summons, or other legal documents you receive, without delay, and you must not answer them. 4. You must tell us what happened or if you do not know, try to find out what happened following an incident. You must also give us a written statement as to what happened if we ask and go to court if required. 5. We may pay what we think is a fair amount to settle any claim made against your pet. 6. We will have complete control of any claim or the defence of any legal proceedings. 7. You must not give anybody information or anything that could help them claim against you other than giving them your policy number and name and address of us . In relation to any third party liability claims, we may pay up to the limit of your stated policy cover or lesser amounts for which any claim can be settled (after deduction of any sum or sums already paid as compensation) and shall be released from any further liability under this policy (except for costs and expenses of litigation recoverable or incurred with our consent prior to the date of such payment).
Section 4: Death of your pet (injury)
What is covered? If your pet dies because of an injury, or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to stop the suffering of your pet, due to injury during the period of insurance, We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule. This payment is subject to the maximum policy limit shown on your policy schedule. If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet’s death. What is not covered? 1. Death caused by an illness . 2. Death caused by any injury that happens prior to or within 24 hours of your pet’s insurance first starting. 3. If at the time of death your pet is over one year of age. 4. Any claim where your pet is put to sleep due to aggression unless this can be attributed to an injury . 5. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep. 8. Any claim where you are not able to provide us with confirmation from your vet or statement from an independent witness.
Section 3: Death of your pet (illness)
Section 5: Advertising costs (if your pet is lost or stolen, UK only)
This section does not apply in the case of your pet being more than one year and 28 days old.
What is covered? If your pet is lost or stolen, we will pay you back what you spent for advertising in a local newspaper or other approved costs for recovery of your pet (previously agreed by us ) up to the maximum sum as shown in your policy schedule per period of insurance . We will not be liable for: 1. Reimbursing any money you spend trying to find your pet if we have not agreed to the way you are doing this.
What is covered? If your pet dies because of an illness , or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to stop the suffering of your pet , due to illness during the period of insurance . We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule . This payment is subject to the maximum policy limit shown on your policy schedule .
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