Cornhill Direct Select

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 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 during the policy year to treat an illness or injury.
What we will not pay
1. More than the maximum benefit.
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 a vet normally recommends to prevent injury or illness.
5. 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.
6. The cost of killing and controlling fleas, general health improvers and any treatment in connection with pregnancy or giving birth.
7. The cost of any food, including food prescribed by a vet, unless it is used to dissolve existing bladder stones and crystals in urine.
8. The cost of pheromone products, including DAP diffusers and Feliway.
9. The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
10. The cost of treating any injury or illness deliberately caused by you or anyone living with you .
11. The costs of having your pet put to sleep, cremated, buried or otherwise disposed of.
12. 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.
13. Extra costs for treating your pet outside usual surgery hours, unless the vet or complementary therapist confirms an emergency consultation is necessary.
14. The cost of hospitalisation and any associated veterinary treatment, unless the vet or complementary therapist confirms it is essential that your pet is hospitalised.
15. Costs resulting from an injury or illness specified as excluded on your Certificate of Insurance or generally not covered within these Terms and Conditions.
16. The cost of any form of housing, including cages, whether hired or purchased.
17. 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.
18. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
19. 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.
20. The cost of any treatment if a claim has not been submitted within 12 months of your pet receiving treatment.
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 during the policy year to treat an illness or injury.
What we will not pay
1. More than the maximum benefit.
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 a vet normally recommends to prevent injury or illness.
5. 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.
6. The cost of killing and controlling fleas, general health improvers and any treatment in connection with pregnancy or giving birth.
7. The cost of any food, including food prescribed by a vet, unless it is used to dissolve existing bladder stones and crystals in urine.
8. The cost of pheromone products, including DAP diffusers and Feliway.
9. The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
10. The cost of treating any injury or illness deliberately caused by you or anyone living with you .
11. The costs of having your pet put to sleep, cremated, buried or otherwise disposed of.
12. 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.
13. Extra costs for treating your pet outside usual surgery hours, unless the vet or complementary therapist confirms an emergency consultation is necessary.
14. The cost of hospitalisation and any associated veterinary treatment, unless the vet or complementary therapist confirms it is essential that your pet is hospitalised.
15. Costs resulting from an injury or illness specified as excluded on your Certificate of Insurance or generally not covered within these Terms and Conditions.
16. The cost of any form of housing, including cages, whether hired or purchased.
17. 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.
18. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
19. 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.
20. The cost of any treatment if a claim has not been submitted within 12 months of your pet receiving treatment.
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.