4. Any costs if you or your family member who permanently lives with you goes into hospital as a result of pregnancy, giving birth, alcoholism, drug abuse, drug addiction, attempted suicide, self- harm or hospitalisation that is not directly related to being ill or injured. 5. Any costs resulting from nursing home care or any convalescence care that you do not receive in a hospital. 6. Boarding fees if you or your family member who permanently lives with you have previously gone into hospital for the same illness or injury . 7. Any stay in hospital that you were aware could happen when you arranged the policy . 8. Transportation costs for you and your pet to or from the boarding kennel/cattery establishment. 9. Where the incident which led to the incurring of boarding fees occurred outside of the period of insurance . 10. Any payment to a person permanently living at the address shown in your policy schedule or member of your family. 11. Any claim in excess of the limit shown on your policy schedule per period of insurance . 12. Any costs if you do not attend hospital for a continuous period of more than seven hours a day over a continuous period of no less than 96 hours whilst a family member who permanently lives with you have an illness or injury which requires you to attend hospital. Claims Conditions When you or your family member who permanently lives with you leave hospital, you/they should obtain a medical certificate and send us the medical certificate and the receipt from the boarding kennels/ cattery.
2. More than £50 for cost of advertising materials. 1. Any amount in excess of the policy limit under this section of your policy.
4. Where your pet has not had a check-up since owning it or you fail to keep your pet vaccinated against distemper, hepatitis, leptospirosis and parvovirus in the case of dogs; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia in the case of cats; and as advised by your vet in accordance with General Conditions 7 of this policy ; or 5. Where we have grounds to suspect fraud; or 6. Where you use threatening or abusive behaviour towards a member of our staff or a member of staff of your vet or our supplier. We will do this by giving you notice in writing to your last address notified to us. We have the right to terminate this policy with immediate effect in the event that your premium is not received ten days after the due date. Your last given address may include an email address given by you to accept mail.
Claim form completion We will never guarantee payment of a claim over the telephone. If you want to make a claim you must complete your sections of the claim form and for veterinary fees, arrange for your vet to fill in their part along with a full medical history and return to us within 60 days of the pet receiving the treatment or as soon as possible thereafter. For death claims we will additionally require the original purchase receipt, vet’s confirmation of death or independent witness statement. We only accept invoices that are on a veterinary practice headed paper and contain VAT amounts and a VAT number if your vet is VAT registered. Financial and treatment histories headed “Insurance report” or similar are not acceptable. You will be responsible for any costs charged for the completion of the form. If all or part of your claim cannot be paid we will tell you in writing. Send your claim form and supporting documents to:
Section 6: Reward costs (if your pet is lost or stolen, UK only)
What is covered? If your pet is lost or stolen, we will agree a suitable reward to be offered for recovery of your pet (previously agreed by us) up to the maximum sum as shown in your policy schedule per period of insurance . Although you are free to decide the amounts you wish to offer as reward we apply a maximum of the lower of the full maximum benefit available for rewards or the purchase price declared on your policy schedule. What is not covered? 1. Any reward to anyone who is a member of your family or by any person employed by you or living with you . 2. Any reward paid to the person who was caring for your pet when it was lost or stolen. 3. Any reward to the person or persons who stole or was involved in the theft of your pet. 4. Any reward greater than the declared value of your pet as shown on your policy schedule. 5. Any reward where you can’t give us a signed receipt giving the full name, address and telephone number of the person who found your pet. 6. Any amount in excess of the policy limit under this section of your policy . Section 7: Boarding fees (if your pet is lost or stolen, UK only) What is covered? We will reimburse you for boarding fees for your pet in a licensed boarding establishment, or daily minding in your own home up to the amount shown on your policy schedule if boarding and subject to a limit of £5 per day in pet sitting in your own home if during the period of insurance : (a) You have an illness or injury which requires you to go into hospital for more than 96 hours; or (b) a family member who permanently lives with you has an illness or injury which requires you to attend hospital for periods of time of no less than seven hours a day over a continuous period of no less than 96 hours and your pet stays in a licensed kennel /cattery while you are in or attending hospital and no other member of your family permanently lives with you is able to look after your pet . What is not covered? 1. Claims during the first 14 days of the commencement of insurance. 2. Any costs if you are in hospital for less than 96 hours. 3. Any costs if you or your family member who permanently lives with you goes into hospital if you or they had symptoms of being ill or injured before your policy first started.
MiPet Cover Pet Insurance 2nd Floor, 5000 Lakeside
I’m having financial difficulty
North Harbour Western Road Portsmouth PO6 3EN Subject to policy terms and conditions we will pay your claim if the claim form is correct and complete: 1. When we have all the information we need. 2. When we are sure that the claim is covered. 3. When any legal action or other action has been settled. If it is more convenient and your vet agrees, we can pay claims directly to your vet, after deductions. You can tell us to do this when you make a claim. We will not pay veterinary fees directly to anyone who is not a vet. If you have asked us to pay your vet we will send payment directly to your vet and if there is any amount other than the fixed excess and variable excess that we cannot pay because the costs are not covered we will tell you in writing. You must settle with your vet any amount not covered under this policy . If we have made any overpayment regarding claim settlements, we will contact you to discuss the best way for that money to be paid back to us. If any liability under this insurance is covered by any other insurance policy we will not pay any claims until that cover is exhausted. Following a claim we may try to get back any money we have paid from the person(s) that injured your pet.
If you are paying for this insurance monthly and you think you may be unable to meet your regular policy payments, please contact us as soon as possible. We have specialists on hand who can agree how best we can help with your financial situation. There are several ways we may be able to help, including moving your payment dates. Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us as soon as you can. If you’re paying annually, please review your cover and check that it meets your requirements, and again, please contact us to discuss how we can help you. Additional financial help is available externally from Money Helper which is a free service provided by the Money and Pensions Service: www.moneyhelper.org.uk/debt-advice-locator.
Cancellation
You may cancel this policy at any time by calling us on 0808 164 8008 or writing to us at:
MiPet Cover Pet Insurance 2nd Floor, 5000 Lakeside
North Harbour Western Road Portsmouth PO6 3EN If you make a claim within the first 14 days of the policy start date then this will be taken as accepting the policy cover. The policy is a standalone contract of insurance. This policy has no premium. We can cancel this policy if there are serious grounds to do so, for example: 1. You have failed to take reasonable care in providing information in relation to this insurance as required by General Condition 1 of this policy; 2. We find evidence that your pet was suffering illness or injury at the start of the policy and you withheld knowledge of that illness or injury ; or 3. You have failed to give your help or provide information when we are entitled to request your help in dealing with a claim or with the running of this policy .
Claims
If your vet and our vet disagree about any veterinary issues connected to your claim we may appoint another vet as an independent expert that we both agree to use and whose decision we both agree to accept. In the event of any possible claim under any sections of this insurance you must notify us as soon as possible and no later than 60 days after discovery of any possible incident likely to result in a claim. Telephone: 0808 164 8001 If you do not contact us within 60 days of discovery of the incident and this prejudices our ability to verify the claim then, other than in exceptional circumstances, we will be unable to deal with your claim. You do not need to contact us before any treatment begins except for alternative medicine or complementary treatment . We will require your policy number when you call so please have this ready. Please note that calls may be monitored or recorded for training and quality purposes.
Fraud
It is unfortunate that with all types of insurance, fraud and attempted fraud can occur. We employ sophisticated fraud detection and prevention techniques to ensure we only pay out on genuine claims. By doing this we are protecting the interest of all policyholders and are able to offer a comprehensive policy with competitive premiums. You must not act in a fraudulent manner. If you or anyone acting for you : • Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect.
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