What’s included in Pet Insurance Cover?

pet insurance cover for dogs and catsProbably the most important thing insurance customers want to know is exactly what’s included in their pet insurance cover and what is excluded. Contracts cover all of that, of course, but it’s so easy to overlook some points, so we’re going to make your life easier by laying out, in no uncertain terms, what our Accident Only and Bronze, Silver and Gold pet insurance policies cover.

Let’s start with Accident Only pet insurance cover:

 Accident only covers:

  • Veterinary fees for treatment after your pet has been injured in an accident. Cover up to £1000 for dogs and cats for a period of up to 12 months.
    • Complementary medicine up to £500 for cats and £750 for dogs.
    • Up to 10 hydrotherapy sessions per injury.
    • Cruciate ligament up to £500 for cats and dogs.
    • Dental treatment (caused by accident) up to £500 for cats and dogs.
    • CT/MRI scans and associated costs up to £500 for cats and dogs.
  • Third Party liability for compensation you are legally liable for accidental injury to a person or accidental damage to someone’s property caused by your dog. Cover up to £1 million for dogs. Cover not available for cats
  • Death cover in the event that your pet dies as the result of an accident. Cover up to £300 for cats and dogs.

Accident only does not cover:

  • Veterinary fees

  • Pre-existing injuries.
  • Injury or illness within the first 24-hours of the policy starting.
  • Costs exceeding cover limits.
  • Treatment costs after the policy expiration.
  • Complementary medicine not included in the Glossary.
  • Unlicensed and unregistered complementary medicine providers (see Glossary).
  • Behaviour therapy unless the problem is direct result of an insured incident (accident).
  • Training and socialisation classes.
  • Dietary requirements, including prescription diet food.
  • Treatment outside of normal working hours, unless confirmed as an emergency by your vet in writing.
  • Non-essential hospitalisation
  • House calls, unless confirmed as an emergency by your vet in writing.
  • Ambulance/taxi fees, unless it’s a valid emergency. See policy wording.
  • Organ transplant and prosthetic limbs.
  • Euthanasia unless alleviating incurable and inhumane suffering.
  • Disposal, cremation and burial.
  • Equipment, including cages, Elizabethan collars, surgical t-shirts, carts, slings and harnesses, as well as special bedding and housing.
  • Multiple-use surgical items.
  • Vet’s admin costs.
  • Blood bank donations.
  • Vet’s travel expenses.

 

  • Third Party Liability

  • Excess of £250 per incident
  • Liability assumed by you under any agreement.
  • Liability resulting from deliberate acts, wilful default and neglect.
  • Resulting from another person handling your dog with your consent.
  • Fines, penalties and punitive damages. See policy wording.
  • Claims lodged in a court of law.
  • Loss or damage to your property or property belonging to your immediate family or anyone employed by your household.
  • Injury to you or your immediate family or permanent tenants and employees.
  • Liability insured under another policy – unless the cover has been exhausted.
  • Claims arising from pollution or contamination. See policy wording.
  • Liability at your work place.

 

  • Death

  • Death or euthanasia resulting from a pre-existing injury
  • Euthanasia or death resulting from an injury that occurred within 24 hours of the policy starting.
  • Death (euthanasia) resulting from breeding, pregnancy, giving birth or aggression.
  • Euthanasia except to alleviate incurable and inhumane suffering.

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Now let’s look at our Bronze, Silver and Gold policies

Bronze, Silver and Gold cover:

  • Veterinary fees resulting from illness or accident. Bronze – £1500 for dogs and cats. Silver – £3000 for dogs and cats. Gold – £6000 for dogs and cats.
    • Complementary medicine. Bronze – £500 for dogs and cats. Silver – £750 for dogs and cats. Gold – £1000 for dogs and cats.
    • 10 hydrotherapy sessions per injury for dogs and cats.
    • Cruciate ligament. Bronze – £1000 for dogs and cats. Silver – £2500 for dogs and cats. Gold – £3000 for dogs and cats.
    • Dental treatment (resulting from accident). Bronze – £1500 for dogs and cats. Silver – £3000 for dogs and cats. Gold – £6000 for dogs and cats.
    • CT/MRI scans and associated costs. Bronze – £500 for dogs and cats. Silver – £1000 for dogs and cats. Gold – £1500 for dogs and cats.
    • Prescription diet to dissolve urinary crystals: Bronze – £100 for dogs and cats. Silver – £200 for dogs and cats. Gold – £300 for dogs and cats.
  • Third party liability for accidental bodily injury to a person or accidental damage to someone’s property caused by your dog. Bronze, Silver and Gold – £1 million. Cover not available for cats.
  • Death from an accident covers the cost of your pet’s purchase price if death results from an accident. Bronze – £350 for dogs and cats. Silver – £500 for dogs and cats. Gold – £1000 for dogs and cats.
  • Death from illness covers the cost of your pet’s purchase price if death results from illness. Bronze – £350 for dogs and cats. Silver – £500 for dogs and cats. Gold – £1000 for dogs and cats.
  • Loss from theft or straying. Bronze – £350 for dogs and cats. Silver – £500 for dogs and cats. Gold – £1000 for dogs and cats.
  • Advertising and reward (if your pet is lost or stolen). Bronze – £300 for dogs and cats. Silver – £500 for dogs and cats. Gold – £1000 for dogs and cats.
  • Boarding fees should you or your immediate family be hospitalised on medical for up to days, or you home uninhabitable. Bronze – £250 for dogs and cats. Silver – £500 for dogs and cats. Gold – £1000 for dogs and cats. Or £5 per day for care if you leave your pet with someone you trust (not family).
  • Holiday cancellation fees if your pet requires life-saving surgery while you are on holiday or within 7 days of your departure. Bronze – £350 for dogs and cats. Silver – £750 for dogs and cats. Gold – £1250 for dogs and cats.
  • Overseas travel covers treatment while visiting a member country of the PETS Travel Scheme, up to 30 days per trip. Bronze – 1 month. Silver – 1 month. Gold – 12 months (single trip up to 30 days).
  • Quarantine costs. Bronze – £150 for dogs and cats. Silver – £500 for dogs and cats. Gold – £1000 for dogs and cats. Claims for kennelling and replacement health certificate if the microchip fails. Or for kennelling due to illness. Or for kennelling due to losing your pet’s PETS Passport.
  • Loss of PETS passport. Bronze – £250 for dogs and cats. Silver – £250 for dogs and cats. Gold – £250 for dogs and cats.
  • Emergency expenses abroad, including additional accommodation and repatriation costs if treatment causes you to miss your return journey, reimbursement of reasonable accommodation and transportation if your pet becomes lost while on the trip before your return, and reimbursement of reasonable accommodation and transport up to 4 days if your pet is lost and you have to remain abroad to continue the search. Bronze – £150 for dogs and cats. Silver – £350 for dogs and cats. Gold – £1000 for dogs and cats
  • Euthanasia to alleviate incurable and inhumane suffering.
  • Vet costs are paid directly across all levels.

 

Bronze, Silver and Gold policies do not cover:

  • Veterinary fees

  • Pre-existing injuries.
  • Injury or illness within the first 24-hours of the policy starting.
  • Costs exceeding cover limits.
  • Treatment costs after the policy expiration.
  • Complementary medicine not included in the Glossary.
  • Unlicensed and unregistered complementary medicine providers (see Glossary).
  • Behaviour therapy unless the problem is direct result of an insured incident (accident).
  • Training and socialisation classes.
  • Dietary requirements, including prescription diet food.
  • Treatment outside of normal working hours, unless confirmed as an emergency by your vet in writing.
  • Non-essential hospitalisation
  • House calls, unless confirmed as an emergency by your vet in writing.
  • Ambulance/taxi fees, unless it’s a valid emergency. See policy wording.
  • Organ transplant and prosthetic limbs.
  • Euthanasia unless alleviating incurable and inhumane suffering.
  • Disposal, cremation and burial.
  • Equipment, including cages, Elizabethan collars, surgical t-shirts, carts, slings and harnesses, as well as special bedding and housing.
  • Multiple-use surgical items.
  • Vet’s admin costs.
  • Blood bank donations.
  • Vet’s travel expenses.
  • Claims for illnesses or complications from illnesses that could have been prevented through vaccination.
  • Claims resulting from a ‘notifiable’ disease (rabies, bird flu).

 

  • Death from illness or accident (UK only)

  • Euthanasia or death resulting from a pre-existing illness or injury.
  • Euthanasia or death resulting from an injury that occurred within 24 hours of the policy starting or an illness within with first 10 days of the policy starting.
  • Resulting from illness where your dog has turned 8 years old and your cat has turned 10 years old.
  • Death or euthanasia resulting from breeding, pregnancy, giving birth or aggression.
  • Euthanasia except to alleviate incurable and inhumane suffering.

 

  • Third Party Liability (dogs only)

  • Excess of £250 per incident
  • Liability assumed by you under any agreement.
  • Resulting from deliberate acts, wilful default and neglect.
  • Resulting from another person handling your dog with your consent.
  • Fines, penalties and punitive damages. See policy wording.
  • Claims lodged in a court of law.
  • Loss or damage to your property or property belonging to your immediate family or anyone employed by your household.
  • Injury to you or your immediate family or permanent tenants and employees.
  • Liability insured under another policy – unless the cover has been exhausted.
  • Claims arising from pollution or contamination. See policy wording.
  • Liability at your work place.

 

  • Loss from theft or straying (UK only)

  • Claims if your pet is lost or stolen within 10 days of you policy starting.
  • If your pet is stolen and you don’t report it to the police within 24 hours.
  • Claims if you don’t report your lost pet to local vets, authorities, rescue centres and animal welfare organisations.
  • Claims if you don’t advertise the loss.
  • If you agree to pay a ransom to recover your pet.

 

  • Advertising and reward (UK only)

  • If your pet is lost or stolen within 10 days of you policy starting.
  • Claims if your pet is stolen and you don’t report it to the police within 24 hours.
  • Claims if you don’t report your lost pet to local vets, authorities, rescue centres and animal welfare organisations.
  • Rewards if you don’t have the contact details of the person who found your pet.
  • Rewards for people who live or work with you, are immediate family members or who work for you.

 

  • Boarding kennel/cattery/daily minding (UK only)

  • If you or anyone in your immediate family is hospitalised as a result of pregnancy.
  • If you or anyone in your immediate family needs to recover in a care centre of any kind.
  • Claims if you don’t report your lost pet to local vets, authorities, rescue centres and animal welfare organisations.
  • Claims if you were aware of pre-existing medical conditions that will result in hospitalisation at the start of the policy.
  • If you can’t provide proof that your home was uninhabitable.

 

  • Holiday cancellation costs

  • For non-life-saving operations.
  • For pre-existing illness or injuries.
  • Claims resulting from illnesses within the first 10 days of the start of your policy or injuries within the first 24 hours of the start of your policy.
  • Holiday cancellation costs booked less than 28 days prior to departure.

 

  • Overseas travel (vet costs)

  • For the Sterling equivalent of the Excess in your policy schedule.
  • Claims for the Sterling equivalent of the Co-insurance as applicable in your policy schedule.
  • If you and your pet were abroad for more than 30 days.

 

  • Quarantine costs (per trip)

  • If the microchip was faulty before the trip.
  • If your pet was ill before the trip.
  • Claims if the trip is longer than 30 days.

 

  • Loss of PET Passport

  • Claims if the loss wasn’t reported to the issuing vet within 24 hours of discovery.
  • If the passport was lost before the trip.
  • Claims if the trip is longer than 30 days.

 

  • Emergency expenses abroad

  • If the trip is longer than 30 days.
  • Claims if you haven’t notified the police or relevant transport operator within 24 hours of the incident and obtained a written report.

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General exclusions to pet insurance cover:

  • Dogs younger than 8 weeks or older than 8 years and cats younger than 8 weeks or older than 10 years at the start of the policy.
  • Accidents that occur outside the UK, Northern Ireland, Isle of Man and Channel Islands.
  • Dogs registered under The Dangerous Dogs Act, or American Pit Bull Terriers, Perro de Presa Canario, wolf or wolf hybrid and any dogs crossed with these breeds.
  • Aggressive pets or pets trained to attack.
  • Acts of malicious/wilful injury or gross negligence.
  • Medication not recommended by a vet.
  • Post mortems
  • Pets used for commercial purposes (racing, coursing, breeding).
  • Infringement of any pet-relevant legislation.
  • Third party liability insured by another insurance policy.
  • Costs arising from preventative and elective treatments, including complications and secondary procedures. Exclusions include:
    • Sterilisations
    • Routine examinations and vaccinations
    • Grooming-related procedures.
    • Routine anal gland expression and ear plucking
    • Flea and worm treatment
    • Routine blood and urine tests
    • Breeding, pregnancy and birth
  • Claims that result from a ‘notifiable’ disease (rabies, bird flu).

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  • Ageas
  • Axa
  • UK General
  • SAGIC
  • Trading Standards
  • BHTA