This pet insurance policy is exclusive to customers of CVS (UK) Limited. The terms, rates and features of this pet insurance policy have been negotiated by CVS (UK) Limited vets, based on the needs of CVS (UK) Limited customers. In all usual circumstances, during the period of insurance, you should seek treatment from your usual CVS (UK) Limited veterinary practice or such nominated out of hours or specialist referral centre recommended by your normal treating practice. Policy explanation WalkawayCover lasts 4 weeks (28 days) and provides a fixed amount of veterinary fees to cover all veterinary treatment required in this period. “Lifetime” refers to the ability to replace this policy before the end of the four week period by taking out an annual, paid for policy with MiPet Cover. Any illness or injury covered under the WalkawayCover contract will ONLY THEN continue to be covered under the terms of your new replacement premium paying contract. If during your WalkawayCover, costs are incurred that will or have exceeded the veterinary fee limit, you may purchase an annual policy to continue cover and contribute to the remaining costs. The annual policy MUST be purchased before your WalkawayCover expires. If purchased outside of this timeframe, cover will NOT be deemed as continuous and the claim will NOT be covered under the annual policy under any circumstance. In order to ensure you have ongoing coverage please contact us on 0808 164 8000 so that we can provide you with a quotation for your pet’s future cover needs.
Contents
MiPet Cover Benefit
Free WalkawayCover
What words mean
3
Lifetime
Policy type
Introduction
6
What we ask of you
6
£500
Vet’s fees (total for all conditions in the four week period)
What we will not cover
7
Section 1: Veterinary fees (treatment to your pet) 8
Puppies £100 Puppies 10%
Kittens £100 Kittens 10%
Fixed excess (Per condition, per policy period)
Section 2: Third party legal liability (claims against your or your dog)
10
Section 3: Death of your pet (illness)
12
Variable excess (Payable in addition to the fixed excess)
Section 4: Death of your pet (injury)
12
Section 5: Advertising costs (if your pet is lost or stolen, UK only)
Death from illness
Up to £150
12
Section 6: Reward costs
(if
Death from accident
Up to £150
(if your pet is lost or stolen, UK only)
12
Section 7: Boarding fees (UK only)
12
Advertising
Up to £150
Cancellation
13
I’m having financial difficulty
xx
Reward
Up to £100
Claims
13
Boarding and kennel fees
Up to £250
Fraud
14
Complaints procedure
14
Third party liability (dogs only)
£1M
Data protection
15
Helplines
16
Helplines
Fixed excess: The amount you have to pay as part of certain claims made under the policy as shown in your policy schedule and will be payable each year for each illness or injury. Guarding: Your pet being used for commercial security work or if you or anyone living with you hold a Security Industry Authority (SIA) license of any description and carry out any activity that the SIA license allows. Illness: changes in your pets state of health that are not caused by an accident, or any which may be resulting from gradual or biological cause. Incident: Any clinical sign of injury or illness in your pet . Injury: Clinical sign or symptoms of changes in your pet’s normal state of health resulting from one individual accident including multiple injuries resulting from one accident . Market value: If, following the unfortunate death of your pet , you are unable to prove how much you paid for it we will work out the current value based on your pet’s age, breed, pedigree and breeding status. Period of insurance: The period for which the premium has been paid and for which your pet is covered as shown on your policy schedule .
What words mean Certain words or phrases in your policy have a particular meaning whenever they appear in bold. These words and their meanings are explained below: Accident: One sudden and unexpected event which happens during the period of insurance resulting in injury or death to your pet . Alternative medicine: Herbal or homeopathic medicine recommended by your vet and prescribed by a suitably qualified vet . Complementary medicine/therapy/treatment: Acupuncture, hydrotherapy, osteopathy, physiotherapy and chiropractic therapy recommended by your vet and carried out by a suitably qualified person that has been specifically recommended by your vet . Commercial breeding: Any pet that has had more than 2 litters in its lifetime. Dental: Any treatment of the teeth gums or mouth.
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