General Exclusions
- Dogs
- Cats
- Rabbits
Veterinary Fees
- Veterinary Fees excess
- Any condition that has been investigated by a vet or is known to you prior to the policy start date
- The costs of post operative, convalescent treatment which your vet confirms you could have provided in your home yourself
- Preventative treatment such as routine vaccinations, cosmetic or voluntary treatment such as neutering for non medical reasons, or for pregnancy
- Treating any injury or illness that is preventable by vaccination and you failed to vaccinate
- Other than for accidental injury, dental treatment is normally excluded except where specifically to relieve suffering provided the pet has been insured under this policy for at least 2 years
- Vet fees to treat an illness or poisoning first occurring or showing signs within 14 days of the start date
- Any treatment for accidental injury within 3 days of cover
- The cost of any transplant, artificial limbs or associated treatment
Third Party Liability
- The first £250 of any compensation or costs for property which has been damaged
- This benefit is only applicable to dogs
- This benefit does not apply if you are already insured under any other householders' or liability policy, unless the cover provided by that policy has been exhausted
- The benefit does not apply if the claim is arising as a result of your profession, occupation or business or if your dog is kept on premises licensed for the sale of alcohol
Your Hospitalisation
- Hospitalisation for alcoholism, drug abuse or self inflicted injuries
- If your accident or illness occurred or showed symptoms before the policy start date
- Any claim if your illness first occurs or shows symptoms within the first 14 days of cover
Holiday Cancellation
- Non-lifesaving treatment or if your pet's condition is pre-existing
- If you booked your holiday less than 28 days before you were due to leave or if you can get the expenses back from any other source e.g. travel insurance
- Any claim if your pet's illness first showed symptoms within 14 days of cover
Finding Your Pet
- Any claim for searching for or finding your pet within the first 14 days of cover
- Any claim if your dog is not microchipped in accordance with the applicable microchipping legal requirements in force at the time of any claim
Loss through theft and straying
- Any claim for a lost or stolen pet within the first 14 days of cover
- Any claim if your dog is not microchipped in accordance with the applicable microchipping legal requirements in force at the time of any claim
Death from accident
- Any claim as a result of poisoning within the first 14 days of cover
- Any claim due to accidental injury within 3 days of the start date
Waiver of premium
- If your inability to work occurs during the first 30 days of cover
- If you are under 18 or over your planned retirement age
- If you are not in full-time employment
- If you were aware of impending unemployment when you took out the policy
90 days cover for pets abroad
- Any cost associated with complying with the requirement of the Pets Travel Scheme
- Any claim for third party liability outside the United Kingdom, the Channel Islands or the Isle of Man
General Conditions/Exclusions
- Any claim arising where your pet has been used as a guard dog, gun dog, farm dog or as a dog used for racing or for security purposes
- Any dog that is required to be registered under the Dangerous Dogs Act and/or the Dogs (muzzling) regulations
For a full list of exclusions please refer to the full policy using the links below -
Veterinary Fees
- Veterinary Fees excess
- Any condition that has been investigated by a vet or is known to you prior to the policy start date
- The costs of post operative, convalescent treatment which your vet confirms you could have provided in your home yourself
- Preventative treatment such as routine vaccinations, cosmetic or voluntary treatment such as neutering for non medical reasons, or for pregnancy
- Treating any injury or illness that is preventable by vaccination and you failed to vaccinate
- Other than for accidental injury, dental treatment is normally excluded except where specifically to relieve suffering provided the pet has been insured under this policy for at least 2 years
- Vet fees to treat an illness or poisoning first occurring or showing signs within 14 days of the start date
- Any treatment for accidental injury within 3 days of cover
- The cost of any transplant, artificial limbs or associated treatment Your Hospitalisation
Your Hospitalisation
- Hospitalisation for alcoholism, drug abuse or self inflicted injuries
- If your accident or illness occurred or showed symptoms before the policy start date
- Any claim if your illness first occurs or shows symptoms within the first 14 days of cover
Holiday Cancellation
- Non-lifesaving treatment or if your pet’s condition is pre-existing
- If you booked your holiday less than 28 days before you were due to leave or if you can get the expenses back from any other source e.g. travel insurance
- Any claim if your pet's illness first showed symptoms within 14 days of cover
Finding Your Pet
- Any claim for searching for or finding your pet within the first 14 days of cover Loss through theft and straying
Loss through theft and straying
- Any claim for a lost or stolen pet within the first 14 days of cover
Death from accident
- Any claim as a result of poisoning within the first 14 days of cover
- Any claim due to accidental injury within 3 days of the start date
Waiver of premium
- If your inability to work occurs during the first 30 days of cover
- If you are under 18 or over your planned retirement age
- If you are not in full-time employment
- If you were aware of impending unemployment when you took out the policy
90 days cover for pets abroad
- Any cost associated with complying with the requirement of the Pets Travel Scheme
- Any claim for third party liability outside the United Kingdom, the Channel Islands or the Isle of Man
For a full list of exclusions please refer to the full policy using the links below -
Veterinary Fees
- Veterinary Fees excess
- Any condition that has been investigated by a vet or is known to you prior to the policy start date
- Veterinary fees to treat an illness or poisoning occurring or showing symptoms within the first 14 days of the policy start date
- Preventative treatment such as routine vaccinations, cosmetics or voluntary treatment such as neutering for non-medical reasons, or for pregnancy and uterine cancer
- Treating any injury or illness that is preventable by vaccination and you failed to vaccinate
- Treatment related to a 2nd or subsequent instance of fly strike
- Other than for accidental injury, dental treatment is excluded except where specifically to relieve suffering provided the pet has been insured under this policy for at least two years
- The cost of any transplants, artificial limbs and associated treatment
Your Hospitalisation
- Hospitalisation for alcoholism, drug abuse or self inflicted injuries
- If your accident or illness occurred or showed symptoms before the policy start date
- Any claim if your illness first occurs or shows symptoms within the first 14 days of cover
Finding Your Pet
- Any claim for searching for or finding your pet within the first 14 days of cover
Waiver of premium
- If your inability to work occurs during the first 30 days of cover
- If you are under 18 or over your planned retirement age
- If you are not in full-time employment
- If you were aware of impending unemployment when you took out the policy
A full list of exclusions is provided in the Premier Policy Summary & Full Policy.
