What Our Policies Cover
We offer three levels of cover depending on your requirements and budget:
Bronze
Bronze is an affordable accident only cover for veterinary fees and third party liability only. We will cover veterinary fees up to the limit of £3,500 per condition, per policy year. We will also pay for specific alternative medicine.
Silver
Offers a higher cover of veterinary fees with extra benefits. We will cover veterinary fees up to the limit of £4,000 per condition for 12 months from the date of onset. We will also cover boarding fees if you have to go into hospital and the cost of your pet if the worst happens and your pet dies.
Gold
Veterinary fees benefit limit applies per condition, per policy year. Cover limits are increased on all benefits offered by the policy. Accidental Damage and Personal accident are also included.
| Veterinary Fees* | £5,000 | £4,000 | £3,500 |
| Accident Cover | Yes | Yes | Yes |
| Illness Cover | Yes | Yes | No |
| Life Cover | Yes | 12 months | Yes |
| Third Party Liability | £2m
(£250 excess) | £1.5m
(£150 excess) | £1m
(£100 excess) |
| Death of Pet | £1,000 | £1,000 | £550 |
| Boarding Kennel or Cattery Fees | £750 | £750 | - |
| Holiday Cancellation | £1,000 | £1,000 | - |
| Advertising & Reward | £500 | £250 | - |
| Loss by Theft or Straying | £1,000 | £1,000 | - |
| Accidental Damage | £250 | - | - |
| Complementary Medicine | £500 | £400 | £300 |
| Special Diet | £100 | £100 | - |
| Personal Accident | £125 | - | - |
| Overseas Travel Extension | £2,000 | £2,000 | - |
| Cruciate Ligament | £5,000 | £4,000 | £500 |
| Excess** | £60 | £60 | £60 |
| Documents for policies incepting prior to 1st Feb 2012 |
Policy Wording
Key Facts |
Policy Wording
Key Facts |
Policy Wording
Key Facts |
| Documents for policies incepting on or after 1st Feb 2012 |
Policy Wording
Key Facts |
Policy Wording
Key Facts |
Policy Wording
Key Facts |
*Vets fees apply per condition per year except on Silver policies where they only apply per condition.
** You will be liable to pay an excess of £60 for veterinary fees including complementary medicine, special diets and complementary medicine ligament claims. Special Note in respect of Pets aged 8 years or over: For veterinary fees, including complementary medicine and cruciate ligament claims, a 15% co-payment will apply to each claim on top of the deduction of the standard excess.
On our annual and lifetime policies a 14 day waiting period applies to illness only.
Please refer to the policy wording for full details of cover written in plain English. We have provided a summary above for your convenience.