Animal Friends Silver Standard

older dogs

POLICY ALTERATION & CANCELLATION RIGHTS
If you wish to cancel your policy within the first 14 days of policy inception/review and you have not made a claim there is no penalty and upon cancellation you will be entitled to a full return of premiums.

CONDITIONS OF SETTLING CLAIMS
1. If we request it, the vet attending your pet or the usual vet or previous vet must give us any information about the pet, including its full medical history, or its treatment. You must pay for any costs involved in the above.
2. To deal with a claim, we need the vet to complete a form detailing the condition, the treatment and amount charged. We also need you to fill in the relevant parts of the claim form. We will not pay for any fee charged by your vet for doing this. We cannot accept any liability for a claim if this form has not been returned to us as soon as possible and at most within 90 days of the incident occurring, or your renewal if sooner.
3. We cannot offer a settlement for a pedigree pet unless you send us a recognised club registration document, pedigree certificate and purchase receipt. (You must pay for these.)
4. It is your responsibility to prove the value of your pet. We will take into account the age, sex, breed and whether the pet is a registered pedigree or not. You must accept that a pets value is likely to become less as it gets older.
Settlement is limited to a maximum of 75% of the sum insured value for neutered pets and further limited to 50% of the sum insured value for pets aged 6 or more.
GENERAL CONDITIONS, INCLUDING HOW TO CLAIM
1. How to claim: On discovering any accident, illness, loss, destruction or damage giving rise or likely to give rise to a claim under the policy, you must give full details as soon as possible to our head office: The Equine and Livestock Insurance Company Ltd, PO Box 100, York, YO26 9SZ Tel: 08704 022 590 . This can be done in writing, by phone, fax or email. If you have not received an acknowledgement from us within 14 days of sending them, you must send us the details again by recorded delivery. You must co-operate fully and truthfully to give us any information we may need.

GENERAL CONDITIONS, INCLUDING HOW TO CLAIM
6. (a) If there is any insurance or indemnity effected by on or behalf of the insured applicable to any loss, damage or event, we will not make any payment for any claim that results from an incident covered by such other insurance or indemnity;
(b) Where such other insurance or indemnity contains a provision excluding liability either in whole or in part by reason of the existence of this insurance, our liability shall be limited in respect of any loss, damage or event to our rateable proportion;
(c) Where such other insurance or indemnity contains a provision excluding it from contributing rateably or ranking concurrently whether in whole or in part, our liability shall be limited in respect of any loss, damage or event to any excess beyond the amount which would be payable under such other insurance or indemnity had this policy not been effected.

SECTION 2 - VETERINARY FEES
2.1 Cover
We pay up to the Annual Benefit Limit shown in the Schedule for Treatment and/or for Complementary Medicine. The Annual Benefit Limit is applied separately to every unrelated Injury, Illness or Condition claimed for. If total Veterinary Fees appear likely to exceed £1,000, You must notify AFI immediately as We may wish to obtain a second opinion from Our veterinary advisor.
2.2 Special Diet
We will contribute a sum of 30p per cat and 60p per dog per day up to the limits specified in the Schedule to assist towards the cost difference between Your Pet's normal diet and any special diet prescribed by and only available from a Vet as part of the Treatment to dissolve bladder stones or crystals in urine.
2.3 Exclusions
The following are excluded from cover:
2.3.1 Costs resulting from an Injury or Illness that first showed Clinical Signs before the Commencement Date or within the Waiting Period of the Commencement Date;
2.3.2 Costs resulting from or related to any excluded Condition as shown in the Schedule.
2.3.3 Costs for cosmetic treatment, routine treatment or preventative treatment recommended by a Vet to prevent an Injury or Illness including , vaccination, spaying, castration, Cryptorchidism, grooming, or nailclipping, breeding, whelping, kittening and any claims as a result of these procedures unless specifically included in the Schedule.
2.3.4 Treatment received by Your Pet after the End Date.
2.3.5 The cost of any Treatment if a claim has not been submitted within 90 days of the first date Your Pet received Treatment.
2.3.6 Any costs arising from vicious tendencies or behavioural problems shown by Your Pet.
2.3.7 Any costs for house calls/out-of-hours calls unless a Vet confirms that Your Pet was suffering from a life-endangering condition.
2.3.8 Costs of putting Your Pet to sleep, cremation, disposal.
2.3.9 Costs not backed up by a receipt/invoice showing full details of the costs incurred.
2.3.10 Costs for treatment of conditions arising from Your Pet being overweight, except weight gain as a result of a diagnosed Illness.
2.3.11 Where a 12 month Cover policy has been purchased then any costs incurred more than 365 days after the date in the policy year that the Accident first happened or the clinical signs or illness were first noticed for any Condition whether it is ongoing, Chronic or Recurring.
2.3.12 Prescribed diets other than those detailed above.
2.3.13 The Excess applicable to this section of cover.

SECTION 2 - VETERINARY FEES
2.1 Cover
We pay up to the Annual Benefit Limit shown in the Schedule for Treatment and/or for Complementary Medicine. The Annual Benefit Limit is applied separately to every unrelated Injury, Illness or Condition claimed for. If total Veterinary Fees appear likely to exceed £1,000, You must notify AFI immediately as We may wish to obtain a second opinion from Our veterinary advisor.
2.2 Special Diet
We will contribute a sum of 30p per cat and 60p per dog per day up to the limits specified in the Schedule to assist towards the cost difference between Your Pet's normal diet and any special diet prescribed by and only available from a Vet as part of the Treatment to dissolve bladder stones or crystals in urine.
2.3 Exclusions
The following are excluded from cover:
2.3.1 Costs resulting from an Injury or Illness that first showed Clinical Signs before the Commencement Date or within the Waiting Period of the Commencement Date;
2.3.2 Costs resulting from or related to any excluded Condition as shown in the Schedule.
2.3.3 Costs for cosmetic treatment, routine treatment or preventative treatment recommended by a Vet to prevent an Injury or Illness including , vaccination, spaying, castration, Cryptorchidism, grooming, or nailclipping, breeding, whelping, kittening and any claims as a result of these procedures unless specifically included in the Schedule.
2.3.4 Treatment received by Your Pet after the End Date.
2.3.5 The cost of any Treatment if a claim has not been submitted within 90 days of the first date Your Pet received Treatment.
2.3.6 Any costs arising from vicious tendencies or behavioural problems shown by Your Pet.
2.3.7 Any costs for house calls/out-of-hours calls unless a Vet confirms that Your Pet was suffering from a life-endangering condition.
2.3.8 Costs of putting Your Pet to sleep, cremation, disposal.
2.3.9 Costs not backed up by a receipt/invoice showing full details of the costs incurred.
2.3.10 Costs for treatment of conditions arising from Your Pet being overweight, except weight gain as a result of a diagnosed Illness.
2.3.11 Where a 12 month Cover policy has been purchased then any costs incurred more than 365 days after the date in the policy year that the Accident first happened or the clinical signs or illness were first noticed for any Condition whether it is ongoing, Chronic or Recurring.
2.3.12 Prescribed diets other than those detailed above.
2.3.13 The Excess applicable to this section of cover.

SECTION 2 - VETERINARY FEES
2.1 Cover
We pay up to the Annual Benefit Limit shown in the Schedule for Treatment and/or for Complementary Medicine. The Annual Benefit Limit is applied separately to every unrelated Injury, Illness or Condition claimed for. If total Veterinary Fees appear likely to exceed £1,000, You must notify AFI immediately as We may wish to obtain a second opinion from Our veterinary advisor.
2.2 Special Diet
We will contribute a sum of 30p per cat and 60p per dog per day up to the limits specified in the Schedule to assist towards the cost difference between Your Pet's normal diet and any special diet prescribed by and only available from a Vet as part of the Treatment to dissolve bladder stones or crystals in urine.
2.3 Exclusions
The following are excluded from cover:
2.3.10 Costs for treatment of conditions arising from Your Pet being overweight, except weight gain as a result of a diagnosed Illness.
2.3.12 Prescribed diets other than those detailed above.

GENERAL EXCLUSIONS
We are not liable for the following:
2. Any claims for illness and/or disease displaying clinical signs within 14 days of policy inception.

SECTION 2 - VETERINARY FEES
2.1 Cover
We pay up to the Annual Benefit Limit shown in the Schedule for Treatment and/or for Complementary Medicine. The Annual Benefit Limit is applied separately to every unrelated Injury, Illness or Condition claimed for. If total Veterinary Fees appear likely to exceed £1,000, You must notify AFI immediately as We may wish to obtain a second opinion from Our veterinary advisor.
Complementary Medicine means physiotherapy, acupuncture, homeopathic or herbal medicines administered by a suitably qualified practitioner following a recommendation from a qualified vet.

SECTION 3 - DEATH OF PET FROM ACCIDENT OR ILLNESS
3.1 Cover
We pay the market value, the price paid or the amount shown in the Schedule (whichever is less) if Your Pet dies during the Policy Period or is put down for humane reasons because of Injury or Illness that happened or started during the Policy Period. The death must occur during the same Policy Period as the Accident or Illness. You must advise AFI as soon as possible in writing of the Accident or Illness, but not later than 30 days after Your Pet is put down.
3.2 Exclusions
The following are excluded from cover:
3.2.1 Putting a Pet to sleep due to law, regulation, an order of the Privy Council, a government department, a public authority or similar, or order related to a 'notifiable' disease.
3.2.2 Death during or after a surgical operation or a general anaesthetic unless a qualified Vet certifies that it was necessary because of Injury or Illness.
3.2.3 Putting a Pet to sleep for financial reasons or putting a dog to sleep because of its vicious tendencies or problems with its behaviour.
3.2.4 Death due to Illness of any dog or cat aged 8 years or over at the Commencement Date or any renewal period.
3.3 Specific Conditions Applicable to Sections 2 and 3
3.3.1 If there is any Illness of or Injury to Your Pet, You must immediately, at Your own expense, get a qualified Vet to treat Your Pet. You must allow the Vet to take Your Pet away for Treatment if it is best and provide a report from the attending Vet about the condition of Your Pet even if Your Pet dies.
3.3.2 If Your Pet dies, You must arrange and pay for a qualified Vet to certify the cause of death and, at Your own expense, to conduct a post-mortem examination if We require one.

SECTION 7 - THEFT OR STRAYING
7.1 Cover
We will pay, up to the Benefit Limit as noted in the Schedule, the market value or the purchase price paid by You, whichever is lesser, if Your Pet is not found within 28 days of straying or being stolen. Your Pet must have disappeared from Your address or any other place as may be noted in the proposal form or in any endorsement. You must report the loss of Your Pet to at least one rescue centre in the case of a cat and in the case of a dog, a dog warden.
We will pay an additional amount up to 30% of Your Pet's sum insured to cover the cost of advertising for Your lost or stolen Pet or paying a reward which leads to getting Your Pet back, provided that You first obtain AFI's written agreement.
7.2 Exclusions
Theft which does not involve forcible and violent entry to a secure area, such as a pen or Your home.

SECTION 7 - THEFT OR STRAYING
7.1 Cover
We will pay, up to the Benefit Limit as noted in the Schedule, the market value or the purchase price paid by You, whichever is lesser, if Your Pet is not found within 28 days of straying or being stolen. Your Pet must have disappeared from Your address or any other place as may be noted in the proposal form or in any endorsement. You must report the loss of Your Pet to at least one rescue centre in the case of a cat and in the case of a dog, a dog warden.
We will pay an additional amount up to 30% of Your Pet's sum insured to cover the cost of advertising for Your lost or stolen Pet or paying a reward which leads to getting Your Pet back, provided that You first obtain AFI's written agreement.
7.2 Exclusions
Theft which does not involve forcible and violent entry to a secure area, such as a pen or Your home.

SECTION 7 - THEFT OR STRAYING
7.1 Cover
We will pay, up to the Benefit Limit as noted in the Schedule, the market value or the purchase price paid by You, whichever is lesser, if Your Pet is not found within 28 days of straying or being stolen. Your Pet must have disappeared from Your address or any other place as may be noted in the proposal form or in any endorsement. You must report the loss of Your Pet to at least one rescue centre in the case of a cat and in the case of a dog, a dog warden.
We will pay an additional amount up to 30% of Your Pet's sum insured to cover the cost of advertising for Your lost or stolen Pet or paying a reward which leads to getting Your Pet back, provided that You first obtain AFI's written agreement.
7.2 Exclusions
Theft which does not involve forcible and violent entry to a secure area, such as a pen or Your home.

SECTION 6 - HOLIDAY CANCELLATION
6.1 Cover
If You have to cancel or cut short Your holiday because Your Pet requires emergency life-saving surgery due to an Accident or Illness occurring within 14 days of the holiday, We will pay, up to the Benefit Limit as noted on the Schedule, the costs that You cannot recover from any other source.
You will need to get, at Your own cost, receipts from the travel company, tour operator or other similar party for the expenses that are being claimed, clearly showing dates and charges You had to pay because of cancelling or cutting short Your holiday.
6.2 Exclusions
The following are excluded from cover:
6.2.1 surgery for non-life-saving operations;
6.2.2 costs for any holiday booked less than 28 days before You leave; and
6.2.3 expenses that can be claimed from any other source.

Policy alteration & cancellation rights
If you ask to alter this policy, its schedule or any part of the cover there will be a reasonable endorsement fee.

£0
Policy wording states:-
Policy alteration & cancellation rights
If you wish to cancel your policy within the first 14 days of policy inception/review and you have not made a claim there is no penalty and upon cancellation you will be entitled to a full return of premiums.
If you wish to cancel after 14 days of policy inception/review and you have not made a claim you can cancel at any time and will be entitled to the return of the unexpired portion of your premium. However, we will deduct the reasonable cost of setting up and administering your policy. We may cancel this insurance at any time in which case we will return the premiums paid less a reasonable amount for the time the policy has been in force. Our liability then ceases immediately but without affecting your or our rights under the policy up to the cancellation date. Notice will be treated as sufficiently given if posted to your last known address. Following the cancellation charge, no refund will be made of any amount equal to or less than £5.

However after checking with the insurer they have advised that there is no cancellation fee, but policy would be cancelled on a 'short period basis'.