What Our Policies Cover
We offer four levels of cover depending on your requirements and budget:
Value Accident
Value Accident is an affordable cover for veterinary fees and third party liability only. We will cover veterinary fees up to the limit of £2,000 per condition, per policy year. We will also pay for specific alternative medicine.
Standard Annual
Standard Annual is a higher cover of veterinary fees with extra benefits. We will cover veterinary fees up to the limit of £3,000 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.
Classic Life and Ultimate Life
Cover limits are increased on all benefits offered by the policy per condition, per policy year, and Accidental Damage and Personal Accident are also included.
Annual Condition Limit
Excess | £2,000
£55 | £3,000
£55 | £3,000
£55 | £5,000
£55 |
| Lifetime Cover | Yes | No | Yes | Yes |
Third Party Liability
Excess | £1,000,000
£100 | £1,000,000
£250 | £1,500,000
£250 | £2,000,000
£250 |
| Death of Pet | £500 | £500 | £750 | £1,000 |
| Boarding kennel/cattery fees | - | £300 | £450 | £600 |
| Holiday Cancelation | - | £250 | £500 | £750 |
| Advertising and Reward | - | £250 | £400 | £500 |
| Loss by Theft or Straying | - | £500 | £750 | £1,000 |
| Accidental Damage | - | - | £125 | £250 |
| Personal Accident | - | - | £125 | £250 |
Complementary Medicine
Excess | £300
£55 | £300
£55 | £300
£55 | £500
£55 |
Cruciate Ligament
Excess | £500
£55 | £3,000 | £3,000 | £5,000 |
| Special Diets | £100 | £100 | £100 | £100 |
| | Policy Wording | Policy Wording | Policy Wording | Policy Wording |
| | Key Facts | Key Facts | Key Facts | Key Facts |
You will be liable to pay an excess of £55 for veterinary fees including complementary medicine, special diets and complementary medicine ligament claims. Special Note in respect of Pets over the age of 8 years: 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.
Please refer to the policy wording and key facts documents for full details of cover written in plain English.