Churchill Pet Insurance

Your right to cancel
If this cover does not meet your requirements, please return all your documents within 14 days of receipt. We will return any premium paid in full provided no claims have been made on the policy during that time.

Veterinary fees
- Prior to or upon commencement of treatment you should telephone us and report the possible claim.
- We will then send you a claim form for completion and return with supporting receipts.
- We can make a settlement directly to the vet after deduction of the excess.
- We have the right to request further information either directly from the vet or from you in order to confirm the validity of the claim at your expense.
Third party liability
- You must not admit or accept liability, negotiate or make any payment or promise of payment without our written consent.
- You must immediately contact us on the number shown to advise us of any possible claim.We will then give you instructions on what to do with the letter, claim, writ or summons.
- You are required to provide us with all the information that we may reasonably require.
- We will have the sole conduct and control of any claim and legal proceedings relating to any claim, including the right to sue in your name but for our benefit for any claim, damages or liability.
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 the pet is put to sleep,you must obtain a veterinary certificate stating that this was necessary for humane reasons to stop incurable suffering.
Advertising and reward
- In the event of your pet being lost, you must telephone us immediately and secure our approval in writing prior to any expenditure.
Theft and straying
- The loss of dogs must be reported to the police within 24 hours of disappearance.
- For cats and dogs you should telephone us and report the possible loss.A claim form should then be completed if your pet has not been found after 45 days.
Boarding kennel fees
- You must retain all receipts issued by the boarding kennel or cattery or from the person responsible for looking after your pet,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 we may request.
Holiday cancellation costs
- You must obtain at your own expense the booking invoice and cancellation invoice from your travel agent or tour operator.This should detail the total non-recoverable charges made and the date of cancellation.
- You must also provide us with any further information and supporting documentation which we may request.
1 In the event of any possible claim under this policy
you must telephone us on 0870 240 8263 as soon
as possible.
2 Please quote reference IGCS 1377 .
3 Follow the procedures outlined below according to the
type of claim you are making.Send your completed
claim form and any required documentation to:
Churchill Pet Insurance
Claims Department
Lumbry Park
Selborne Road
Alton
Hampshire
GU34 3HF

Vet fees cover
We will pay all reasonable charges made for treatment carried out by a vet, under the following conditions
1 The most we will pay for each condition is £3,000, including up to £1,000 towards complementary treatments for each condition. Our maximum payments will include VAT where this is due.
2 Each condition is only covered for 12 months immediately following the first date of treatment.
3 We will not pay more than the maximum limit or limits that applied when the condition first started.
4 If two or more claims are first believed to be separate conditions but we later consider them to be a recurring condition or related condition, we will add up the amounts we have paid for all these claims and not make any more payments during the life of your pet once we have paid up to the limits described above.
5 You must provide written notice of all accidents, illness or disease to us within 60 days of them happening.
Extending the territorial limits
We will extend vet fees to cover your pet while temporarily in Eire, or in any member country of the PETS Travel Scheme, as long as you have followed all the conditions of the schemes rules.
The maximum period of stay covered outside the territorial limits during any twelve month period is 60 days.
Exclusions
We will not pay for the following
1 For any treatment or complementary treatments your pet receives during a period of cover if we have not received the agreed premium for that period of cover.
2 The excess or coinsurance amount of every claim, for each separate condition, as shown in your schedule. If your pet is aged seven or older, you will have to pay 20% of every claim. We work this out after taking off the standard excess.
3 Vet fees for or in connection with:
a any preventative or non-essential treatment, tests or diagnostic procedures, prescribed general health supplements or routine examinations and treatment including but not limited to routine vaccinations, grooming, treatment of infestations or parasites, spaying or castration or for any treatment in connection with pregnancy or giving birth, or any event arising out of these procedures;
b behavioural problems and training or therapy, or any condition arising as a result of behavioural problems;
c the cost of routine or investigative tests, unless these are to diagnose a condition due to specific or existing symptoms or clinical signs;
d any referral, second opinion or specialist treatment or fees, unless we have specifically agreed to it;
e hospitalisation or house calls (or both), unless the vet confirms in writing that to move the pet would put it in serious danger;
f any extra charges for treating your pet outside usual surgery hours, unless the vet confirms that an emergency appointment is necessary;
g the cost of bathing, grooming or de-matting your pet;
h dental treatment other than where necessary following external damage or, if the pet is more than 18 weeks old to remove first teeth;
i any claim for any form of special diet, housing or bedding needed for the treatment or general wellbeing of your pet;
j any charges for putting your pet to sleep, and cremating or burying your pet.

Vet fees cover
We will pay all reasonable charges made for treatment carried out by a vet, under the following conditions
1 The most we will pay for each condition is £3,000, including up to £1,000 towards complementary treatments for each condition. Our maximum payments will include VAT where this is due.
2 Each condition is only covered for 12 months immediately following the first date of treatment.
3 We will not pay more than the maximum limit or limits that applied when the condition first started.
4 If two or more claims are first believed to be separate conditions but we later consider them to be a recurring condition or related condition, we will add up the amounts we have paid for all these claims and not make any more payments during the life of your pet once we have paid up to the limits described above.
5 You must provide written notice of all accidents, illness or disease to us within 60 days of them happening.
Extending the territorial limits
We will extend vet fees to cover your pet while temporarily in Eire, or in any member country of the PETS Travel Scheme, as long as you have followed all the conditions of the schemes rules.
The maximum period of stay covered outside the territorial limits during any twelve month period is 60 days.
Exclusions
We will not pay for the following
1 For any treatment or complementary treatments your pet receives during a period of cover if we have not received the agreed premium for that period of cover.
2 The excess or coinsurance amount of every claim, for each separate condition, as shown in your schedule. If your pet is aged seven or older, you will have to pay 20% of every claim. We work this out after taking off the standard excess.
3 Vet fees for or in connection with:
a any preventative or non-essential treatment, tests or diagnostic procedures, prescribed general health supplements or routine examinations and treatment including but not limited to routine vaccinations, grooming, treatment of infestations or parasites, spaying or castration or for any treatment in connection with pregnancy or giving birth, or any event arising out of these procedures;
b behavioural problems and training or therapy, or any condition arising as a result of behavioural problems;
c the cost of routine or investigative tests, unless these are to diagnose a condition due to specific or existing symptoms or clinical signs;
d any referral, second opinion or specialist treatment or fees, unless we have specifically agreed to it;
e hospitalisation or house calls (or both), unless the vet confirms in writing that to move the pet would put it in serious danger;
f any extra charges for treating your pet outside usual surgery hours, unless the vet confirms that an emergency appointment is necessary;
g the cost of bathing, grooming or de-matting your pet;
h dental treatment other than where necessary following external damage or, if the pet is more than 18 weeks old to remove first teeth;
i any claim for any form of special diet, housing or bedding needed for the treatment or general wellbeing of your pet;
j any charges for putting your pet to sleep, and cremating or burying your pet.

Veterinary Fees Cover
We will pay for all reasonable and customary charges made for treatment carried out by a vet subject to the following,
1 The most we will pay for each condition is £3,000, including up to £1,000 towards complementary treatments for each condition.Our maximum payments will include VAT where payable.
Definitions state:-
Complementary treatment
Acupuncture, aromatherapy and homoeopathy treatment carried out directly by a vet and physiotherapy, osteopathy, hydrotherapy and chiropractic treatment carried out under the direction of a vet.

Death from illness
We will pay you the purchase price as shown in your schedule if your pet dies from an illness or a disease, or as a result of being put to sleep (but only if confirmed in writing by a vet as necessary to prevent the
pet from suffering) because of an illness or a disease.
The most we will pay is £500.
Exclusions
We will not pay for the following
1 Any claims for dogs aged nine years and older or for cats aged 11 years and older.
2 More than you have paid for your pet.

Death from accident
We will pay you the purchase price as shown in your schedule if your pet dies as a result of an accident, or as a result of being put to sleep following an accident (but only if confirmed in writing by a vet as
necessary to prevent the pet from suffering).
The most we will pay is £500.
Exclusions
We will not pay for the following
1 More than you have paid for your pet.

Advertising and reward
If your pet is lost or stolen, we will refund you for the costs of local advertising and for a suitable reward to be offered for recovery of the pet. This includes the cost of bringing your pet back to your home address.
Whether you pay your premium annually or monthly, the most we will pay in total is £1000 in any twelve month period.
Exclusions
We will not pay for the following
1 Any reward claimed by a member of your family or anyone living with you.

Advertising and reward
If your pet is lost or stolen, we will refund you for the costs of local advertising and for a suitable reward to be offered for recovery of the pet. This includes the cost of bringing your pet back to your home address.
Whether you pay your premium annually or monthly, the most we will pay in total is £1000 in any twelve month period.
Exclusions
We will not pay for the following
1 Any reward claimed by a member of your family or anyone living with you.

Theft and straying
We will pay you the purchase price as shown in your schedule if your pet is lost or stolen and has not been found after 45 days.
The most we will pay is £500.
Exclusions
We will not pay for the following
1 More than you paid for your pet.
2 Any payment until more than 45 days after your pet first went missing.

Boarding kennel fees
We will refund you for boarding kennel or cattery fees if you, or a member of your family who permanently lives with you, goes into hospital on medical advice for more than four days.
Whether you pay your premium annually or monthly, the most we will pay in total is £750 in any twelve month period.
Exclusions
We will not pay for the following
1 If you, or any member of your family living with you, goes into hospital as a result of pregnancy.
2 Any period in hospital that you were aware was likely at the start date of this insurance.
3 Costs as a result of nursing-home care or convalescence care that you do not receive in hospital.

Holiday cancellation costs
We will refund you any cancellation costs you cannot get back from anywhere else if, in your vets opinion, your pet needs emergency lifesaving surgery within seven days of your scheduled departure for your
holiday or while you are away, and you must cancel or cut short your holiday.
Whether you pay your premium annually or monthly, the most we will pay in total is £3000 in any twelve month period.
Exclusions
We will not pay for the following
1 Non-life-saving operations.
2 Any condition that is likely to need emergency life-saving surgery that you were aware of before booking the holiday.

Pet legal
Advice and explanation of legal issues in plain English and in a friendly and helpful way- available 24 hours a day, 365 days a year.
Telephone: 0845 604 0671

Helplines
Your policy includes some general support for you.
Find a vet
If you and your pet are away from home whilst in the territorial limits and your pet needs urgent veterinary care, we give you access to our helplines so you can identify the nearest vet for you.
Telephone: 0845 604 0671.

Bereavement counselling
An understanding, confidential and professional service enabling you to talk for as long as you need about the death of your pet.Available 24 hours a day, 365 days a year.
Telephone: 0845 604 0671

Pet minders
This enables you to locate a registered Pet Minder for either a few minutes or indeed weeks,in order to look after your pet while you are away.
Telephone: 0845 604 0671