tests before any other procedure if your pet is less than eight years old. Unless there is something in your pet’s medical history to suggest your pet’s health may be at risk from the anaesthetic, surgery, or procedure. 34. Fees resulting from an injury or illness that is excluded on your policy schedule. 35. The cost of dentistry except as a result of an accident unless your pet has had at least one dental check with your vet in the previous 12 month period and all treatments recommended by your vet have been carried out at your own expense. 36. Any claim as a result of a ‘notifiable’ disease (as defined by DEFRA https://www.gov.uk/government/collections/notifiable- diseases-in-animals) e.g. rabies. 37. Any post mortem costs. 38. Any charges in respect of disposal, cremation, or burial of your pet. 39. Incremental costs caused as a result of the late submission of your claim. Signs of injury You must arrange for a vet to examine and treat your pet as soon as possible after it shows clinical signs of an injury . If we decide this may not be the case we may refer the case to an independent vet . If it can be established that the delay in arranging treatment has or is likely to result in additional costs or expenses being incurred we reserve the right to either refuse to admit the claim or make a deduction from any settlement to reflect these increased costs or expenses. Second Opinion Vets There may be times when you wish to take your pet to a different vet as you are unhappy with their diagnosis or treatment suggestions, all requests for second opinions must be agreed by us in advance of treatment , however should the second opinion vet agree with the first diagnosis or treatment then we shall only pay for one claim. Claims Information Before your pet is treated check that your vet is willing to provide medical history and supply us with the supporting invoices. We will not pay for the vet to do this. The invoices and full clinical history must be returned to us within 60 days of the pet receiving the treatment for your claim to be considered. Please make sure that you have indicated to whom we should make the payment. If you are submitting a claim for an on-going injury your vet must still complete a claim and supply us with the supporting invoices on each occasions that treatment is provided. If your pet is referred to a specialist please make sure that the vet who normally treats your pet has completed a separate claim submission for the initial costs. We will not normally be able to assess the claim and supporting invoices from the referral practice until we have processed the initial treatment from your own vet . With your authority we will pay your claim settlement directly to the vet on your behalf. If you have asked us to pay your vet we will send payment directly to the practice 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 we cannot pay.
seriously endanger its life. 16. Travelling expenses incurred by your vet unless the vet deems that to move your pet would seriously endanger its health. 17. Any charges greater than £100 in respect of euthanasia even in the case of your vet putting your pet to sleep to alleviate incurable and inhumane suffering following an accident or illness . 18. Any charges in respect of euthanasia in the event that this was caused by a pre-existing condition or condition not covered by the insurance. 19. Any claim for any form of housing or bedding needed for the treatment or wellbeing of your pet . 20. Every claim will be reviewed by an internal pet claims assessor and compared to charges for the same or similar treatment within the same area to ensure that the treatment and veterinary fees are reasonable, necessary, essential, and not excessive. 21. Any charge for surgical equipment that can be used more than once. 22. Any fee charged by your vet to complete the claim submission or any ancillary administration fees for example dispensing fees, late payment fees, claim completion fees, administration referral fees to specialist vets , or referral fees and x-ray referral fees. 23. Prescription foods or diets of any type including obesity and weight control prescription foods except prescription food subject to a maximum of £100 to prevent the formation of bladder stones and crystals in urine where we will pay the difference above normal feeding costs. 24. The cost of any form of housing, including cages, whether hired or purchased. 25. Nutritional supplements and vitamins unless prescribed by a vet to take the place of medication and if they have a proven effect upon an injury or illness or something directly caused by an injury or illness . 26. Any treatment administered outside the period of insurance . 27. Fees for unapproved alternative medicine or complementary medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage, and faith healing). 28. The cost of any treatment or complementary therapy connected to or resulting from organ transplants and fitting full or partial artificial limbs (prosthesis) with the exception of costs relating to replacement hip, elbow and or knee joints including pre and post- operative care. 29. The cost of any treatment , or issues arising from treatment , that you choose to have carried out that is not directly related to an injury or illness , including cosmetic dentistry or surgery. 30. Any overseas treatment costs where the journey abroad was specifically made to obtain treatment or where the vet confirms treatment can be delayed safely until your return home. 31. The cost of routine or investigative tests or diagnostic procedures, unless these are being undertaken specifically to diagnose an injury or illness due to specific existing symptoms or clinical signs and where such a diagnosis will potentially alter the course of treatment . 32. The cost of any procedures involved in the diagnosis of an injury or illness that are carried out again when your pet is referred to another vet . 33. The cost of routine blood tests including blood tests carried out before surgery, or before anaesthetic for surgery or routine blood
fixed excess . ii. The variable excess is an additional percentage excess applied after the fixed excess . This is applicable on a per incident , per claim basis. iii. 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 and variable excess will apply to the treatment received for each injury or illness . 2. Any treatment more than the policy limit shown on the policy schedule for all incidents in the period of insurance . 3. Any treatment after the policy has ended. 4. Any pre-existing condition. 5. For any cost of spaying, or partial cost of any treatment that includes ovarian hysterectomy as a preventative for any illness , including (but not limited to) false pregnancy, or mammary tumours. 6. Preventative or elective treatments , routine examinations and treatment including but not limited to :
Section 2: Third party legal liability (claims against you or your dog) What is covered? We will pay up to £1,000,000 for damages and costs ordered to be paid by any court in the UK. We will make this payment if your pet (dogs only) is found to be to blame for any injury or damage that happened during the period of insurance , to the following: 1. Bodily injury, death, sickness, or disease to any person who is not in your employment or who is not a member of your family or living with you . 2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you , anyone in your employment or any member of your family or living with you within the United Kingdom. The most we will pay under this section of the policy for all incidents occurring within the period of insurance will be £1,000,000. If someone else is looking after your dog when the injury or damage happens, we will still pay as long as: 1. You asked them to look after your dog. 2. You did not agree to pay them to look after your dog. 3. The injury or damage was not to them or their property. What is not covered? 1. Policy excess , this is shown on your policy schedule . 2. You must pay any policy excess due under this section of the policy , as shown on your policy schedule , when we request it following an incident that may give rise to a claim. Failure to pay the excess when requested may result in us refusing to pay additional costs incurred or in us refusing to deal with any third party claim. 3. Claims where your pet has not been found to be to blame by a court of law. 4. Claims for incidents that happen outside the period of insurance . 5. Any payment if the injured person is part of your family, lives in your home, works for you , or is looking after your pet or is paid to look after your pet. 6. Any payment if the damaged property belongs to you or a person who is part of your family, lives in your home, works for you , is looking after your pet or is paid to look after your pet . 7. Any claim for injury or damage to property which you or a family member could have stopped but deliberately chose not to. 8. Any claim resulting from a period when your pet was left unattended. 9. Cover is not in force at any place where you or members of your family are subject to a contract of employment, carry out self- employed or voluntary work. 10. Cover is not provided at any event of conformation show, agility event, working trial or Schutzhund competition. 11. Cover is not provided at any organised shooting or sporting event. 12. Any liability arising from an agreement which imposes a liability on you which you would not be under in the absence of such an agreement. 13. Compensation or legal costs where the injury or damage was caused by the deliberate acts or omissions of you or members of your family.
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.
vii. Any treatment in connection with pregnancy or parturition. viii. Or any cost as a result of failure to carry out these procedures. 7. We exclude all costs for elective spay or castration, and in situations where the spay or castrate are in order to prevent future medical or behavioural issues of any sort. Cover will be provided when your pet is suffering an immediate and critical medical condition and the spay or castrate is essential and necessary for the treatment of that condition. 8. Any claim or treatment for cryptorchidism (retained testicle(s)) unless your pet was under 12 weeks of age at the start of the policy. 9. The cost of bathing, grooming or de-matting your pet unless a vet confirms only a vet or a member of a veterinary practice can carry out these activities. 10. Behavioural problems and training unless caused as a direct result of an insured incident occurring during the period of insurance . 11. The cost of spay or castrate as a treatment of a behavioural condition . 12. Sex hormonal problems unless directly resulting from a valid claim. 13. Any cost of pheromone products, including DAP diffusers and Feliway and/or similar feline facial pheromone products used in either a spray or an electric diffuser format unless agreed as part of a behavioural program for a maximum period of one month. 14. The cost of any treatment outside normal surgery hours except for treatment that a vet considers cannot wait until normal surgery hours (necessary treatment ) because it would seriously endanger your pet’s health. The vet that treated your pet must also confirm this in writing when, your veterinary claim is submitted for necessary treatment outside of normal hours the additional charge is limited to a maximum of £100. 15. Non-essential hospitalisation and/or ambulance charges and/or house calls unless the vet declares that to move your pet would
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