Exclusions for Pet Insurance

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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 petís 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.