What Our Policies Cover
We offer four levels of cover depending on your requirements and budget:
Value Accident
Value Accident is an affordable accident only 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. If you are going abroad and taking your pet with you and complications occur with the pet passport we can help cover the costs.
Classic Life and Ultimate Life
Benefit Limits for veterinary fees apply per condition, per policy year. The addional benefit limits are increased and both Accidental Damage and Personal Accident are included.
| Veterinary Fees* | £2,000 | £3,000 | £3,000 | £5,000 |
| - Accident Cover | Yes | Yes | Yes | Yes |
| - Illness Cover | No | Yes | Yes | Yes |
| - Lifetime Cover | Yes | No | Yes | Yes |
| Complementary Medicine* | £300 | £300 | £300 | £500 |
| Cruciate Ligament* | £500 | £3,000 | £3,000 | £5,000 |
| Special Diet* | - | £100 | £100 | £100 |
| Death of Pet** | £500 | £500 | £750 | £1,000 |
| Boarding kennel/cattery fees | - | £300 | £450 | £600 |
| Holiday Cancellation | - | £250 | £500 | £750 |
| Loss by Theft or Straying | - | £500 | £750 | £1,000 |
| Advertising and Reward | - | £250 | £400 | £500 |
| Accidental Damage | - | - | £125 | £250 |
| Third Party Liability*** | £1,000,000 | £1,000,000 | £1,500,000 | £2,000,000 |
| Personal Accident | - | - | £125 | £250 |
| Overseas Travel Extension | - | £2,000 | £2,000 | £2,000 |
Documents for new policies
since 05/12/2010 | Policy Wording | Policy Wording | Policy Wording | Policy Wording |
| Key Facts | Key Facts | Key Facts | Key Facts |
Documents for policies
starting before 05/12/2010 | Policy Wording | Policy Wording | Policy Wording | Policy Wording |
| Key Facts | Key Facts | Key Facts | Key Facts |
* An excess of £55 is deducted from your benefit for each illness or accidental injury condition treated during each policy period. The exception to this is the Standard policy where the excess is applicable per condition. Special note in respect of pets aged 8 years or over: For Veterinary Fees, Complementary Medicine and Cruciate Ligament claims a 15% co-payment will apply to each claim payment in addition to the deduction of the standard excess.
** A one off payment up to the amount shown upon the Death of Your Pet.
***An excess of £250 applies to Public Liability (£100 for Value Accident).
On our annual and lifetime policies a 14 day waiting period applies to illness only.
Please refer to the policy wording and key facts documents for full details of cover written in plain English.