Debenhams Gold

Cancellation of the policy within the first 14 days of receipt of the policy documents
Provided there has not been a total loss claim, a pro rata refund will be made if you decide to cancel the policy within the first 14 days of the policy.

How We settle claims
1 Veterinary Fees
Upon commencement of Treatment You should telephone Debenhams and report the possible claim.
Debenhams will then send You a claim form for completion by You and Your Vet. Please return the completed claim form to Debenhams 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 Debenhams 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 Debenhams on the above number and advise them of any possible claim. Debenhams 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 cover 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 Debenhams 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 mad.

General Exclusions - Applicable to all sections of each policy:
We will have no liability for:
13. Any liability where the insured is entitled to indemnity under any other insurance will be dealt with on a rateable proportion basis.

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 Debenhams 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.
Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members 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 Debenhams.
(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 Debenhams.

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 Debenhams 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.
Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members 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 Debenhams.
(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 Debenhams.

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 Debenhams 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.
Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members of
the Canine Hydrotherapy Association.
Exclusions:
We will not be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
2. Veterinary fees in connection with:
(h) The cost of dentistry except as result of an Accident.

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 Debenhams 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.
Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members of
the Canine Hydrotherapy Association.
Exclusions:
We will not be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
2. Veterinary fees in connection with:
(n) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Debenhams.

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 (Silver) or £750 (Gold) whichever the lesser dependent on the cover selected, 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, dependent on the cover selected.

Section 4:
Death from Accident
1. We will pay You up to the purchase price, or up to a maximum of £250 (Silver) or £750 (Gold) whichever the lesser dependent on the cover selected, 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, dependent on the cover selected.

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 for Silver and £750 for Gold.

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 for Silver and £750 for Gold.

Section 6:
Theft and Straying
1. We will pay You up to the purchase price or a maximum of £250 for Silver and £750 for Gold, whichever is the lesser 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, dependent on the cover selected.

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 for Silver and £1,000 for Gold, (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 hospitalisation that arises due to an illness that existed in any form prior to the start of the insurance.

Section 8:
Holiday Cancellation Costs
We will reimburse You for any non-recoverable cancellation and curtailment costs up to a maximum limit of £250 for Silver or £2,000 for Gold, (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.

Section 9:
Accidental Damage
We will compensate third parties for any accidental property damage up to a maximum of £500 caused by Your Pet named in the schedule.
Exclusions:
We will not be liable for:
1. The first £100 of each and every claim.
2. Damage to property in the ownership, custody or control of You or Your family or household or any person employed by members of Your household.
3. Damage to property in the ownership or any person entrusted with the care, control and custody of Your Pet.
4. Any damage caused while your pet is left unattended

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):
Vet Finder:
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, Debenhams 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.)