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 used up. 16. You agree to read and follow 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. What we will not cover This policy will not cover: 1. Any claims for a pet not named in the policy schedule. 2. Any claims made for any incident 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. Your pet being used for commercial breeding purposes (this is where your pet has had more than 2 litters in its lifetime) track racing, coursing, or used in connection with any business, trade, profession, or occupation (whether you are paid for such purposes or not). 5. Any pet that has previously shown signs of aggressive behaviour, been trained to attack or is used for guarding . 6. Any claims for a pet under the age of eight weeks . 7. Any claims under any section of cover where your pet is over 1 year of age at the start of the policy . 8. Any claims arising outside the territorial limits of the United Kingdom. 9. Claims where any injury or illness is 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. 10. Claims where any injury or illness due to ionising radiations or contamination by radioactivity from any fuel or from any nuclear waste from the combustion of nuclear fuel. 11. The taking of your pet or it being put to sleep by Government or Public Authorities, or under the Animals Act 1971 United Kingdom and the Control of Dogs Act 1986 and Control of Dogs (amendment) Act 1992, Republic of Ireland or contravention of the
Dual insurance You must tell us if you have another insurance policy which covers your pet for anything this policy covers. If there is any other insurance under which you are entitled to make a claim you must report the incident to that insurance company and tell us their name and address and your policy a nd claim number with them. We will not make any payment for
(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
Dogs (Protection of Livestock) Act 1953. 12. Any claims if your pet is put to sleep due to 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. 13. Any claim which is due to you breaking the United Kingdom or Republic of Ireland laws, or regulations, including those laws or regulations which deal with the health of your pet , vaccinations or the moving of your pet from one country to another. 14. Any claim for deliberate injury to your pet or where it has not been cared for properly by you , anyone who lives with you , employees, or members of your family. This includes your pet not being fed properly, not giving it proper shelter or medical attention when required. 15. Any medication or treatment not recommended by a vet . 16. Any pet that is an African Crested Dog, Aladseer, American Akita, American Bandogge, American Bulldog, American Bully, American Mancon, American Pit Bull Terrier, American Pocket Bully, American Staffordshire Bull Terrier, Argentinian Mastiff, Australian Dingo, Bandogge Mastiff, Bandogs, Boar Hounds, Boerboel, Bully Kutta, Canadian Inuit, Canary Dog, Cane Corso, Cao Fila, Chinese Shar Pei, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiros, Dogue de Bordeaux, Fila Braziliero, Grand Bleu de Gascoigne, Inuit, Irish Staffordshire Bull Terrier, Japanese Tosa, Korean Jindo, Laika, Lybian Desert Dog, Mexican Hairless (Miniature, Standard or Intermediate), Northern Inuit Dog, Perro De Presa Canario, Pit Bull Terrier, Portuguese Podengo, Presa Canario, Racing Greyhound, Saarloos Wolfhound, Segugios Italiano, Shar Pei, Tamaskan, Tosa Inu, Utonagan, Wolf Dog, Wolf Hybrid, Working Sheepdog, Asian Leopard, Feral, Munchkin, Weiner Cat, or a pet 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 pet crossed with any of these. 17. Illnesses which your pet previously suffered from before the start of this insurance or any pre-existing condition . 18. Injuries from which your pet previously suffered from before to the start of this insurance. 19. Your pet being used for track racing, coursing, or used in connection with any business, trade, profession, or occupation. 20. If your pet has treatment when abroad and you pay the vet bill then we will not be responsible for any money you lose because the exchange rate changes. 21. Where fraud has been committed against us or where false information has been provided to us . 22. Any claim where you have cover under any other insurance until that cover is used up. 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 your pet once over one year of age. 25. Any incident in respect of pollution or contamination of buildings or other structures or of water or land or the atmosphere. We will however cover any incident 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:
any incident covered by any other insurance policy . Financial Services Compensation Scheme (FSCS)
Section 1: Veterinary fees (treatment to your pet)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk). What we ask of you Like all insurance policies there are some things that you are not allowed to do if you want us to pay for the claims you make. You must do as we ask below, if you do not then we may cancel your policy , not deal with your claim or reduce the amount we do pay. If there is anything we ask that you do not understand then please contact us as soon as you can. Should your circumstances change during the policy please contact us to confirm that your cover remains in force. 1. To the best of your knowledge and belief that at the start of this insurance your pet is in good health and free from any injury , illness or physical disability. 2. The CVS (UK) Limited vet who has provided you with the application has confirmed to you that your pet is not suffering from any illness or injury . 3. You confirm you are not the breeder of the pet , this cover is not available to pets that are part of a litter awaiting sale. 4. You must be the owner of the pet and your pet must be a minimum of eight weeks old and no older than the age set out in the policy schedule on the start date of the policy . Please note the maximum age for four week free cover is one year of age. No cover is available more than 28 days after your pets 1st birthday. 5. Your pet must be named on the policy schedule . 6. Your pet must live with you at the UK address given in the policy schedule . Your cover will cease immediately if your pet is sold or where any financial interest whatsoever is parted with by you , whether temporarily or permanently or if your pet is no longer ordinarily resident in your home. 7. You must contact us as soon as you become aware of any circumstances that could result in a claim. 8. You must take your pet for appropriate vaccinations DOGS; against distemper, hepatitis, leptospirosis and parvovirus. CATS; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia OR; As advised by your vet due to the particular needs or circumstances of your pet . All vaccinations must be administered under vet supervision. 9. Homeopathic vaccines are not acceptable. 10. You must provide proper care and attention to your pet at all times and pay to have any treatment normally recommended by a vet to prevent illness , injury , or disease.
What is covered? The cover is provided for an accident , illness , or injury occurring to your pet , subject to the limit of cover shown on your policy schedule for each period of insurance to cover all injuries or illness . The fixed excess and variable excess is on a per incident , per period of insurance basis. Cover is for a standalone period of insurance of four weeks, should you wish to continue cover you must purchase a policy before the end of the 4 week period. Example of how to calculate the amount you will have to pay in the event of a claim. A valid claim arises for a pet’s veterinary fees totaling £300.00
Amount Claimed
£300
Less Fixed Excess
£100
£200
Less Variable Excess
10% = £20
£180
Total Excess paid by you
£120
Total paid by us £180 Dental - we will pay fees for dental treatment as a result of an accident only 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 . Where treatment 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 with the fixed excess and variable excess applied to each part. 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 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 28 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. 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 maximum of £100 and only if it is recommended by your vet to alleviate incurable and inhumane suffering. What is not covered? 1. Policy excess, these are 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 i njury, or illness not resulting from the same incident will require a separate
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