Castle Cover Silver

General Conditions - Applicable to all sections of each policy:
7. If You wish to cancel this policy within 14 days of receipt of the policy documents You may do so by writing to Us and returning Your schedule of insurance. Where this happens You will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover, unless You have claimed for the death/loss of Your pet then the annual premium must be paid in full.

How We settle claims
1 Veterinary Fees
Upon commencement of Treatment You should telephone Castle Cover and report the possible claim. Castle Cover will then send You a claim form for completion by You and Your Vet. Please return the completed claim form to Castle Cover with supporting receipts, once this Treatment has been completed.
Settlement can be made directly to the Vet after deduction of the Excess, such payment discharging us from all further liability connected with such claim. We and / or Castle Cover has the right to request
further information either directly from the Vet or from You to confirm the validity of the claim at Your expense.
2 Third Party Liability
(i) You shall not admit or accept liability, negotiate or make any payment or promise of payment without Our written consent.
(ii) You should immediately contact Castle Cover on the above number and advise them of any possible claim. Castle Cover will then give You instructions on what to do with any letter, claim, writ or summons.
(iii) You are required to provide Us with all the information that We may reasonably require.
(iv) We will have the sole conduct and control of any claim and legal proceeding relating thereto including the right to prosecute in the name of the insured but for Our benefit for any claim, damages or liability.
3 Death from Accident and Illness
You must obtain a Veterinary Certificate at Your own expense stating the date and cause of death. In the event that Your Pet is put to sleep (euthanised), You must obtain a Veterinary Certificate stating that this
was necessary for humane reasons to terminate incurable suffering.
Death from illness does not apply in the case of dogs that are 9 or more years of age and cats that are 11 or more years of age.
4 Advertising and Reward
1. You must contact us and obtain agreement of the reward to be offered prior to any advertisement.
2. You must provide us with copies of the advert placed detailing reward offered along with the receipt showing the amount paid for the service.
3. Please do not arrange for the reward to be paid directly to the finder.
4. Please provide us with the name and address of the finder along with the details of where they saw the advert and became aware of the reward. We will then contact the finder and arrange for any appropriate payment to be made directly.
5 Theft and Straying
If you have lost a dog, you must report the loss to the police within 24 hours and provide us with the incident reference number. You must also report the loss to your local veterinary and animal rescue centres. Please retain confirmation of all enquiries made and provide this information to the claims department. If you have lost a cat, you must report the loss to your local veterinary and animal rescue centres. Please retain confirmation of all enquiries made and provide this information to the claims department.
6 Accidental Damage
You should call Castle Cover immediately You are aware of any circumstances likely to give rise to a property damage claim. You should not admit any responsibility for the damage until the claim has been reported and considered by Us. You must provide Us with evidence of the damage and the damaged item(s) must not be disposed off without our written consent. We will also require repair reports where applicable, receipts of valuations for any items beyond repair and any other information that we may ask you for.
7 Boarding Kennel Fees
You should obtain at Your own expense receipted bills from the licensed boarding kennel or cattery, detailing dates and expenses incurred.
You must also obtain at Your own expense confirmation of the period You or Your family members were in hospital and any additional information requested by Us.
8 Holiday Cancellation Costs
You should obtain at Your own expense the booking invoice and cancellation invoice from Your travel agent or tour operator. This should detail the total unrecoverable charges made and the date of cancellation / curtailment.

Claims Conditions - Applicable to all sections of each policy:
2. If any liability under this insurance is covered by any other insurance policy We will not pay more than Our rateable proportion.

Section 1: Veterinary Fees Cover
We will pay You for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident , Illness or Incident occurring to Your Pet , subject to the indemnity limit of
£3,000 and Excess as specified below and subject to written notice of such Accident , Illness or Incident having been given to Castle Cover within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We cover fees for Alternative Medicine and a limited number of Complimentary Medicine sessions which the Vet recommends and as approved by Us (subject to approval We will authorise a limited number of
hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
Exclusions:
We will not be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
1.
(a) The first £50 of each and every claim.
(b) Any Treatment after the Policy has lapsed/expired.
2. Veterinary fees in connection with:
(a) Any Pre-existing Conditions or Illness unless previously agreed by Castle Cover .
(b) Any Illness or condition (not Accident ) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.)
(c) Preventative and elective Treatments , routine examinations and Treatment including:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition.
(d) Organ transplantation and associated cost.
(e) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
(f) Non-essential hospitalisation and / or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
(g) Prescription foods, other than for a 4 week period for a specific Incident .
(h) The cost of dentistry except as result of an Accident .
(i) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general wellbeing of Your Pet .
(j) Any claim for cryptorchism (Retained testicle(s)).
(k) Any claim as a result of a notifiable disease e.g. Rabies.
(l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering. Any charges in respect of disposal, cremation, or burial of Your Pet .
(m) The repair and treatment of umbilical hernias.
(n) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Castle Cover .

Definitions state:-
Territorial Limits
Your Pet is covered whilst away from home with You in the United Kingdom, Northern Ireland, Isle of Man and the Channel Islands. This insurance also extends to cover Your Pet under the PETS Travel Scheme whilst temporarily located in any member country of the PETS Travel Scheme (Excluding Non EU countries as defined by DEFRA), but only for a maximum stay of thirty (30) days during the policy period.

Section 1:
Veterinary Fees Cover
We will pay You for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident, Illness or Incident occurring to Your Pet, subject to the indemnity limit of
£2,000 (Bronze) or £4,000 (Silver) or £7,000 (Gold) dependent on the cover selected and Excess as specified below and subject to written notice of such Accident, Illness or Incident having been given to Castle Cover within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We cover fees for Alternative Medicine and a limited number of Complimentary Medicine sessions which the Vet recommends and as approved by Us (subject to approval We will authorise a limited number of
hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
Exclusions:
We will not be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
1.
(a) The excess shown in your policy schedule.
(b) Any Treatment after the Policy has lapsed/expired.
2. Veterinary fees in connection with:
(a) Any Pre-existing Conditions or Illness unless previously agreed by Castle Cover.
(b) Any Illness or condition (not Accident) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.)
(c) Preventative and elective Treatments, routine examinations and Treatment including:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition.
(d) Organ transplantation and associated cost.
(e) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
(f) Non-essential hospitalisation and/or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
(g) Prescription food, other than for a 4 week period for a specific incident. We will pay the difference between the normal cost of feeding your pet and what you pay for the diet.
(h) The cost of dentistry except as result of an Accident.
(i) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general wellbeing of Your Pet.
(j) Any claim for cryptorchism (Retained testicle(s)).
(k) Any claim as a result of a 'notifiable' disease e.g. Rabies.
(l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
Any charges in respect of disposal, cremation, or burial of Your Pet.
(m) The repair and treatment of umbilical hernias.
(n) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Castle Cover.

Section 1:
Veterinary Fees Cover
Exclusions:
We will not be liable for:
2. Veterinary fees in connection with:
(g) Prescription food, other than for a 4 week period for a specific incident. We will pay the difference between the normal cost of feeding your pet and what you pay for the diet.

Section 1: Veterinary Fees Cover
We cover fees for Alternative Medicine and a limited number of Complimentary Medicine sessions which the Vet recommends and as approved by Us (subject to approval We will authorise a limited number of
hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
General Exclusions - Applicable to all sections of each policy:
We will have no liability for:
10. Any claims where medication has not been recommended by a Vet.

Section 1:
Veterinary Fees Cover
We will pay You for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident, Illness or Incident occurring to Your Pet, subject to the indemnity limit of
£2,000 (Bronze) or £4,000 (Silver) or £7,000 (Gold) dependent on the cover selected and Excess as specified below and subject to written notice of such Accident, Illness or Incident having been given to Castle Cover within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We cover fees for Alternative Medicine and a limited number of Complimentary Medicine sessions which the Vet recommends and as approved by Us (subject to approval We will authorise a limited number of
hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
Exclusions:
We will not be liable for:
2. Veterinary fees in connection with:
(c) Preventative and elective Treatments, routine examinations and Treatment including:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition.

6 weeks

General Exclusions - Applicable to all sections of each policy:
We will have no liability for:
2. Any claims for a Pet under the age of 6 weeks.
Cover in respect of pets aged between 6 and 8 weeks will be restricted to Accident only.

Section 3: Death from Illness
This section does not apply in the case of Dogs that are 9 or more years old and cats that are 11 or more years old.
1. We will pay You up to the purchase price, or up to a maximum of £250, in the event Your Pet dies from Illness or disease, or in the event of humane destruction, if certified by a Vet as necessary to alleviate incurable and inhumane suffering of Your Pet , due to Illness or disease.
If no purchase receipt can be produced, We will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity.

Section 4: Death from Accident
1. We will pay You up to the purchase price, or up to a maximum of £250, in the event Your Pet dies from Accident , or in the event of humane destruction, if certified by a Vet necessary to alleviate incurable and inhumane suffering of the Pet , due to Accident .
2. If no purchase receipt can be produced, We will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity.

Section 5: Advertising and Reward
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper or other approved expenditure and for a suitable reward to be offered for recovery of Your Pet (previously agreed by Us) up to a
maximum of £250.

Section 5: Advertising and Reward
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper or other approved expenditure and for a suitable reward to be offered for recovery of Your Pet (previously agreed by Us) up to a
maximum of £250.

Section 6: Theft and Straying
1. We will pay You up to the purchase price or a maximum of £250, in respect of permanent loss due to Your Pet being lost or stolen and after no recovery has been made after 45 days despite reasonable and appropriate endeavours including advertising and reward.
2. If no purchase receipt can be produced We will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity.

Section 7: Boarding Kennel Fees
We will reimburse You for boarding kennel or cattery fees, in a licensed boarding establishment, up to a maximum of £250, (in any one Period of Insurance) in the event that You or a member of Your family permanently residing with You, is hospitalised on medical advice for a period exceeding 4 consecutive days.
Exclusions:
We will not be liable for:
1. Hospitalisation of You or any member of Your family permanently residing with you as a result of pregnancy.
2. Any Pre-existing medical condition likely to give rise to hospitalisation at the inception date of this insurance.

Section 8: Holiday Cancellation Costs
We will reimburse You for any non-recoverable cancellation and curtailment costs up to a maximum limit of £2,000, (in any one Period of Insurance), in the event that in Your Vets opinion Your Pet named in the schedule requires emergency life saving surgery, within 7 days of your departure on holiday and this necessitates, in Your Vets opinion, cancellation or curtailment.
Exclusions:
We will not be liable for:
1. Non life-saving operations.
2. Any Pre-existing Condition or Illness likely to necessitate emergency life saving surgery.
3. Any costs or expenditure for any holiday booked less than 28 days prior to departure.
4. Any extra cancellation charges incurred because you did not tell the company providing your transport or accommodation, their agents or any person acting for you, as soon as you knew you had to cancel.

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Pet Legal
Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way - available 24 hours a day, 365 days a year.
Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year.)

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Healthcare away from Home:
If You or Your Pet are away from home whilst in the United Kingdom, Northern Ireland, Isle of Man, and Channel Islands and Your Pet needs urgent Veterinary care, Castle Cover gives You access to Our help lines so We can identify the nearest Vet for You.
Telephone 0870 240 1495
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays.)

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Bereavement Counselling
An understanding, confidential and professional service enabling You to talk for as long as You need about the death or Illness of Your Pet. Help and advice to address the symptoms brought about by bereavement
is available 24 hours a day, 365 days a year.
Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year.)

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Pet Minders
This enables You to locate a registered pet minder (on a national basis) for either a few minutes or indeed weeks, in order to look after Your Pet while you are away.
Telephone 0870 240 1495
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays.)