Cornhill Direct Classic

Cancellation rights
This contract gives you a cooling off period. If after receiving your Certificate of Insurance and full policy Terms and Conditions you are not happy you have 14 days
during which you can cancel the policy. In these cases we will cancel your policy from the date it started and you will receive a full refund of any premiums paid.
Simply call the Allianz Customer Centre on 0845 074 2610 or send written confirmation to:
Allianz Insurance plc,
Great West House (GW2),
Great West Road,
Brentford, Middlesex
TW8 9DX.

Claims procedure
Unless you are claiming for veterinary fees, you must let us know of any circumstances which are likely to lead to a claim.
For a claim form please call our Customer Centre on 0845 074 2610 or write to:
Allianz Insurance plc,
Great West House (GW2),
Great West Road,
Brentford, Middlesex,
TW8 9DX,
United Kingdom.
Alternatively, most claim forms can be downloaded from our website.
If you are claiming for veterinary fees, many veterinary practices will have a supply of claim forms.
You must then follow the procedures set out in the section under which you are claiming.
Please make sure your claim form is fully completed by you and if you are claiming for veterinary fees, your vet, as any incomplete claim forms will be returned to you.

General conditions
3. If, when you claim, there is any other insurance under which you are entitled to an indemnity, we will only pay our share of the claim. You must tell us the name and address of the other insurance company and the number of the policy you hold with them.

Section 1 - Veterinary fees
Cover under this section applies in the UK only
What we will pay
The cost of any veterinary treatment your pet receives to treat an illness or injury during a period of 12 months starting from the date during the policy year when the
injury happened or the clinical signs of an illness where first noticed.
What you pay
For each illness or injury that is treated during the policy year and is not related to any other illness or injury treated during the same policy year, you must pay the
excess shown on your Certificate of Insurance Animal Details.
What we will not pay
1. More than the maximum benefit for each illness or injury.
2. The cost of any treatment for:
i) an injury that happened or an illness that first showed clinical signs before your pets cover started; or,
ii) an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before its cover started; or,
iii) an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before its cover started,
no matter where the injury, illness or clinical signs are noticed or happen in, or on your pets body.
3. The cost of any treatment for:
i) an illness that first showed clinical signs within 14 days of your pets cover starting; or,
ii) an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of your pets cover starting; or,
iii) an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of your pets cover starting,
no matter where the illness or clinical signs are noticed or happen in, or on your pets body.
4. The cost of any treatment your pet receives more than 12 months after the date the injury happened or the illness first showed clinical signs.
5. The cost of any treatment resulting from an injury or illness, if the clinical signs are the same as the clinical signs of an injury or illness we have already paid the cost of treatment for 12 months.
6. The cost of any medicines or materials prescribed or supplied to be used after the period of 12 months has finished.
7. The cost of any treatment a vet normally recommends to prevent injury or illness.
8. The cost of any treatment, or complications arising from treatment, that you choose to have carried out that is not directly related to an injury or illness, including cosmetic dentistry.
9. The cost of killing and controlling fleas, general health improvers and any treatment in connection with pregnancy or giving birth.
10. The cost of any food, including food prescribed by a vet, unless it is used to dissolve existing bladder stones and crystals in urine.
11. The cost of pheromone products, including DAP diffusers and Feliway.
12. The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
13. The cost of treating any injury or illness deliberately caused by you or anyone living with you .
14. The costs of having your pet put to sleep, cremated, buried or otherwise disposed of.
15. The cost of house calls unless the vet confirms that moving your pet would further damage its health, regardless of your personal circumstances.
16. Extra costs for treating your pet outside usual surgery hours, unless the vet confirms an emergency consultation is necessary.
17. The cost of hospitalisation and any associated veterinary treatment, unless the vet confirms it is essential that your pet is hospitalised.
18. Costs resulting from an injury or illness specified as excluded on your Certificate of Insurance or generally not covered within these Terms and Conditions.
19. The cost of surgical items that can be used more than once.
20. The cost of physiotherapy or treatment for a behavioural illness , unless this is carried out by a veterinary practice.
21. The cost of acupuncture, homeopathy, chiropractic manipulation, hydrotherapy, osteopathy or any other complementary or alternative treatment. This includes
any veterinary treatment specifically needed to carry out the particular complementary or alternative treatment.
22. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
23. The cost of any form of housing, including cages, whether hired or purchased.
24. The cost of bathing, grooming or de-matting your pet unless:
you have taken all reasonable steps to maintain your pets health; and a vet confirms veterinary expertise is needed and therefore only a vet or a member of a veterinary practice can carry out these activities, regardless of your personal circumstances.
25. The cost of dental treatment unless your pet has had its teeth checked by a vet no longer than 12 months before the onset date of the claim. If any treatment
was recommended as a result of the check this must have been carried out.
26. The cost of a post mortem examination.
27. The cost of transplant surgery, including any pre and post operative care.
28. The cost of any treatment if a claim has not been submitted within 12 months of your pet receiving treatment.
Special conditions that apply to this section
1. The maximum amount we will pay for the cost of treatment of each illness or injury is the maximum benefit that applied on the date the injury happened or the date the clinical signs of the illness were first noticed.
2. The period of 12 months and the maximum benefit will always start or be calculated from the date in the policy year:
- the injury first happened or the clinical signs or illness were first noticed; or,
- an illness with the same diagnosis or clinical signs as the illness or clinical signs that you have claimed the cost of treatment for, were first noticed,
no matter how many times the same injury, illness or clinical signs are noticed or happen in, or on any part of your pets body.
3. If a number of injuries, illnesses or clinical signs are:
- diagnosed as one injury or illness; or,
- they are caused by, relate to or result from another injury, illness, or clinical sign, one period of 12 months and one maximum benefit will apply to the treatment received for all the injuries, illnesses or clinical signs.
4. The period of 12 months and the maximum benefit will start or be calculated from the first date in the policy year:
- any of the clinical signs or any of the illnesses were noticed; or;
- any of the injuries happened.
5. After we have paid the cost of treatment for 12 months or the maximum benefit for an illness, injury or clinical signs under this or any other insurance. We will
not pay the cost of any more treatment for:
- the same illness or injury;
- the same clinical signs;
- an illness or injury with the same diagnosis or clinical signs as the illness or clinical signs we have paid the limit for; or
- an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign that we have paid the limit for,
no matter where the clinical signs, illness or injury are noticed or happen in, or on your pets body.
How to claim
Before your pet is treated, you must make sure that the vet is prepared to fill in our claim form and provide invoices. You must fill in a claim form and ask your vet to fill
in their part. We will not pay for the vet to do this. Send us the claim form together with the invoices setting out the costs involved.
When to claim
You should send us your claim at the end of treatment or the end of the policy year if the treatment has not finished by this time. The claim must be submitted within
12 months of your pet receiving treatment.

Section 2 - Complementary treatment
This section is only covered if it is shown on your Certificate of Insurance Animal Details.
Cover under this section applies in the UK only
What we will pay
If instructed by the vet, the cost of complementary treatment your pet has received to treat an illness or injury during a period of 12 months starting from the date during the policy year when the injury happened or the clinical signs of an illness were first noticed.
What we will not pay
1. More than the maximum benefit during the policy year for all illnesses and injuries.
2. The cost of any treatment for:
i) an injury that happened or an illness that first showed clinical signs before your pets cover started; or,
ii) an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before its cover started; or,
iii) an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before its cover started,
no matter where the injury, illness or clinical signs are noticed or happen in, or on your pets body.
3. The cost of any treatment for:
i) an illness that first showed clinical signs within 14 days of your pets cover starting; or,
ii) an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of your pets cover starting; or,
iii) an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of your pets cover starting,
no matter where the illness or clinical signs are noticed or happen in, or on your pets body.
4. The cost of any complementary treatment your pet receives more than 12 months after the date the injury happened or the illness first showed clinical signs.
5. The cost of any complementary treatment resulting from an injury or illness, if the clinical signs are the same as the clinical signs of an injury or illness we have already paid the cost of treatment for 12 months.
6. The cost of any medicines or materials prescribed or supplied to be used after the period of 12 months has finished.
7. The cost of any treatment a vet normally recommends to prevent injury or illness.
8. The cost of any treatment, or complications arising from treatment, that you choose to have carried out that is not directly related to an injury or illness, including cosmetic dentistry.
9. The cost of killing and controlling fleas, general health improvers and any treatment in connection with pregnancy or giving birth.
10. The cost of any food, including food prescribed by a vet, unless it is used to dissolve existing bladder stones and crystals in urine.
11. The cost of pheromone products, including DAP diffusers and Feliway.
12. The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
13. The cost of treating any injury or illness deliberately caused by you or anyone living with you.
14. The costs of having your pet put to sleep, cremated, buried or otherwise disposed of.
15. The cost of house calls unless the vet or complementary therapist confirms that moving your pet would further damage its health, regardless of your personal circumstances.
16. Extra costs for treating your pet outside usual surgery hours, unless the vet or complementary therapist confirms an emergency consultation is necessary.
17. The cost of hospitalisation and any associated veterinary treatment, unless the vet or complementary therapist confirms it is essential that your pet is hospitalised.
18. Costs resulting from an injury or illness specified as excluded on your Certificate of Insurance or generally not covered within these Terms and Conditions.
19. The cost of any form of housing, including cages, whether hired or purchased.
20. The cost of bathing, grooming or de-matting your pet unless:
- you have taken all reasonable steps to maintain your pets health; and
- the vet or complementary therapist confirms veterinary expertise is needed and therefore only a vet, a member of a veterinary practice or the complementary therapist can carry out these activities, regardless of your personal circumstances.
21. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
22. The cost of dental treatment unless your pet has had its teeth checked by a vet no longer than 12 months before the onset date of the claim. If any treatment was recommended as a result of the check this must have been carried out.
23. The cost of any treatment if a claim has not been submitted within 12 months of your pet receiving treatment.
Special conditions that apply to this section
1. The maximum amount we will pay for the cost of complementary treatment for all illnesses and injuries during the policy year is the maximum benefit that applied on the date the injury happened or the date the clinical signs or the illness were first noticed.
2. The period of 12 months will always start or be calculated from the date in the policy year:
- the injury first happened or the clinical signs or illness were first noticed; or,
- an illness with the same diagnosis or clinical signs as the illness or clinical signs that you have claimed the cost of treatment for, were first noticed, no matter how many times the same injury, illness or clinical signs are noticed
or happen in, or on any part of your pets body.
3. If a number of injuries, illnesses or clinical signs are:
- diagnosed as one injury or illness; or,
- they are caused by, relate to or result from another injury, illness, or clinical sign, one period of 12 months will apply to the treatment received for all the injuries,
illnesses or clinical signs.
4. The period of 12 months will start or be calculated from the first date in the policy year;
- any of the clinical signs or any of the illnesses were noticed; or;
- any of the injuries happened.
5. After we have paid the cost of treatment for 12 months for an illness, injury or clinical signs under this or any other insurance. We will not pay the cost of any more treatment for:
- the same illness or injury;
- the same clinical signs;
- an illness or injury with the same diagnosis or clinical signs as the illness or clinical signs we have paid the limit for; or
- an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign that we have paid the limit for,
no matter where the clinical signs, illness or injury are noticed or happen in, or on your pets body.
How to claim
Before your pet is treated, you must make sure that the vet and complementary therapist are prepared to fill in our claim form and provide invoices. You must fill in a claim form and ask your vet and complementary therapist to fill in their part. We will not pay for the vet or complementary therapist to do this. Send us the claim form together with the invoices setting out the costs involved.
When to claim
You should send us your claim at the end of treatment or the end of the policy year if the treatment has not finished by this time. The claim must be submitted within
12 months of the pet receiving treatment.

Definitions state:-
Complementary Treatment:
The cost of any examination, consultation, advice, test and legally prescribed medication for the following procedures where they treat an illness or injury. This includes any veterinary treatment specifically needed to carry out the procedure:
6. Treatment of a behavioural illness carried out by a Certified Clinical Animal Behaviourist or a member of the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association.

Section 2 - Complementary treatment
This section is only covered if it is shown on your Certificate of Insurance Animal Details.
Cover under this section applies in the UK only
What we will pay
If instructed by the vet, the cost of complementary treatment your pet has received to treat an illness or injury during a period of 12 months starting from the date during the policy year when the injury happened or the clinical signs of an illness were first noticed.
What we will not pay
1. More than the maximum benefit during the policy year for all illnesses and injuries.
2. The cost of any treatment for:
i) an injury that happened or an illness that first showed clinical signs before your pets cover started; or,
ii) an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before its cover started; or,
iii) an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before its cover started,
no matter where the injury, illness or clinical signs are noticed or happen in, or on your pets body.
3. The cost of any treatment for:
i) an illness that first showed clinical signs within 14 days of your pets cover starting; or,
ii) an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of your pets cover starting; or,
iii) an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of your pets cover starting,
no matter where the illness or clinical signs are noticed or happen in, or on your pets body.
4. The cost of any complementary treatment your pet receives more than 12 months after the date the injury happened or the illness first showed clinical signs.
5. The cost of any complementary treatment resulting from an injury or illness, if the clinical signs are the same as the clinical signs of an injury or illness we have already paid the cost of treatment for 12 months.
6. The cost of any medicines or materials prescribed or supplied to be used after the period of 12 months has finished.
7. The cost of any treatment a vet normally recommends to prevent injury or illness.
8. The cost of any treatment, or complications arising from treatment, that you choose to have carried out that is not directly related to an injury or illness, including cosmetic dentistry.
9. The cost of killing and controlling fleas, general health improvers and any treatment in connection with pregnancy or giving birth.
10. The cost of any food, including food prescribed by a vet, unless it is used to dissolve existing bladder stones and crystals in urine.
11. The cost of pheromone products, including DAP diffusers and Feliway.
12. The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
13. The cost of treating any injury or illness deliberately caused by you or anyone living with you.
14. The costs of having your pet put to sleep, cremated, buried or otherwise disposed of.
15. The cost of house calls unless the vet or complementary therapist confirms that moving your pet would further damage its health, regardless of your personal circumstances.
16. Extra costs for treating your pet outside usual surgery hours, unless the vet or complementary therapist confirms an emergency consultation is necessary.
17. The cost of hospitalisation and any associated veterinary treatment, unless the vet or complementary therapist confirms it is essential that your pet is hospitalised.
18. Costs resulting from an injury or illness specified as excluded on your Certificate of Insurance or generally not covered within these Terms and Conditions.
19. The cost of any form of housing, including cages, whether hired or purchased.
20. The cost of bathing, grooming or de-matting your pet unless:
- you have taken all reasonable steps to maintain your pets health; and
- the vet or complementary therapist confirms veterinary expertise is needed and therefore only a vet, a member of a veterinary practice or the complementary therapist can carry out these activities, regardless of your personal circumstances.
21. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
22. The cost of dental treatment unless your pet has had its teeth checked by a vet no longer than 12 months before the onset date of the claim. If any treatment was recommended as a result of the check this must have been carried out.
23. The cost of any treatment if a claim has not been submitted within 12 months of your pet receiving treatment.
Special conditions that apply to this section
1. The maximum amount we will pay for the cost of complementary treatment for all illnesses and injuries during the policy year is the maximum benefit that applied on the date the injury happened or the date the clinical signs or the illness were first noticed.
2. The period of 12 months will always start or be calculated from the date in the policy year:
- the injury first happened or the clinical signs or illness were first noticed; or,
- an illness with the same diagnosis or clinical signs as the illness or clinical signs that you have claimed the cost of treatment for, were first noticed, no matter how many times the same injury, illness or clinical signs are noticed
or happen in, or on any part of your pets body.
3. If a number of injuries, illnesses or clinical signs are:
- diagnosed as one injury or illness; or,
- they are caused by, relate to or result from another injury, illness, or clinical sign, one period of 12 months will apply to the treatment received for all the injuries,
illnesses or clinical signs.
4. The period of 12 months will start or be calculated from the first date in the policy year;
- any of the clinical signs or any of the illnesses were noticed; or;
- any of the injuries happened.
5. After we have paid the cost of treatment for 12 months for an illness, injury or clinical signs under this or any other insurance. We will not pay the cost of any more treatment for:
- the same illness or injury;
- the same clinical signs;
- an illness or injury with the same diagnosis or clinical signs as the illness or clinical signs we have paid the limit for; or
- an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign that we have paid the limit for,
no matter where the clinical signs, illness or injury are noticed or happen in, or on your pets body.
How to claim
Before your pet is treated, you must make sure that the vet and complementary therapist are prepared to fill in our claim form and provide invoices. You must fill in a claim form and ask your vet and complementary therapist to fill in their part. We will not pay for the vet or complementary therapist to do this. Send us the claim form together with the invoices setting out the costs involved.
When to claim
You should send us your claim at the end of treatment or the end of the policy year if the treatment has not finished by this time. The claim must be submitted within
12 months of the pet receiving treatment.

Definitions state:-
Complementary Treatment:
The cost of any examination, consultation, advice, test and legally prescribed medication for the following procedures where they treat an illness or injury. This includes any veterinary treatment specifically needed to carry out the procedure:
1. Acupuncture and homeopathy carried out by, and herbal medicine prescribed by, a veterinary practice.
2. Chiropractic manipulation carried out by a veterinary practice or a member of the McTimoney Chiropractic Association or the International Association of Animal Therapists (UK), providing the member is a qualified animal chiropractor.
3. Hydrotherapy carried out by a veterinary practice or a member of the Canine Hydrotherapy Association.
4. Osteopathy carried out by a veterinary practice or a member of the International Association of Animal Therapists (UK) providing the member is a qualified animal osteopath.
5. Physiotherapy carried out by a member of the Association of Chartered Physiotherapists in Animal Therapy, the International Association of Animal Therapists (UK) or the National Association of Veterinary Physiotherapists (Incorporating NAAT) providing the member is a qualified animal physiotherapist.
6. Treatment of a behavioural illness carried out by a Certified Clinical Animal Behaviourist or a member of the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association.

General exclusions
The following exclusions apply to all sections of the policy.
1. Any animal less than 6 weeks old, or less than 8 weeks old if sold by a licensed breeder.

Section 3 - Legal helpline
Cover under this section applies in the UK only
What we will provide
Access to Lawphone, a helpline that gives you legal advice on any personal legal issues that affect you. It is available 24 hours a day 365 days a year.
What we will not provide
Legal advice for business issues.
How to get advice
Phone 0870 241 4140 and quote master policy number 36105. You will be asked about the problem and details will be passed to an advisor who will call you back.