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.

 Value AccidentStandard AnnualClassic LifeUltimate Life
Annual Condition Limit
Excess
£2,000
£55
£3,000
£55
£3,000
£55
£5,000
£55
Lifetime CoverYesNoYesYes
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 WordingPolicy WordingPolicy WordingPolicy Wording
 Key FactsKey FactsKey FactsKey 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.