E & L Silver (Yearly)

older pets

POLICY ALTERATION & CANCELLATION RIGHTS
If you wish to cancel your policy within the first 14 days of policy inception/review and you have not made a claim there is no penalty and upon cancellation you will be entitled to a full return of premiums.

CONDITIONS OF SETTLING CLAIMS
1. If we request it, the vet attending you pet or the usual vet or previous vet must give us any information about the pet, including its full medical history, or its treatment. You must pay for any costs involved in the above.
2. To deal with a claim, we need the vet to complete a form detailing the condition, the treatment and the amount charged. We also need you to fill in the relevant parts of the claim form. We will not pay for any fee charged by your vet for doing this. We cannot accept any liability for a claim if this form has not been returned to us as soon as possible and at most within 90 days of the incident occurring, or your renewal if sooner.
3. We cannot offer a settlement for a pedigree pet unless you send us a recognised club registration document, pedigree certificate and purchase receipt. (You must pay for these.)
4. It is your responsibility to prove the value of your pet. We will take into account the age, sex, breed and whether the pet is a registered pedigree or not. You must accept that a pets value is likely to become less as it gets older. Settlement is limited to a maximum of 75% of the sum insured value for neutered pets and further limited to 50% of the sum insured value for pets aged 6 years or more.
GENERAL CONDITIONS, INCLUDING HOW TO CLAIM
1. How to claim; On discovering any accident, illness, loss, destruction or damage giving rise to a claim under the policy, you must give full details as soon as possible to our head office: The Equine and Livestock Insurance Company Ltd, PO Box 100, York, YO26 9SZ.
This can be done in writing, by phone, fax or email. If you have not received an acknowledgement from us within 14 days of sending them, you must send us the details again by recorder delivery. You must co-operate fully and truthfully to give us any information we may need.

GENERAL CONDITIONS, INCLUDING HOW TO CLAIM
6. If any loss, damage or liability is insured by any other policy (or would be insured if this policy did not exist) we will not be liable for the whole claim. We will only pay anything over the amount which should have been paid under that policy (or policies) if this insurance had not been taken out.

DOGS

BRONZE  SILVER   GOLD   PLATINUM
Rest of UK/all other counties:
£59   £65   £65   £65
Berks/Essex/Sussex/Herts/Kent/Middx/Surrey:
£59   £69   £69   £69
London:
£59   £79   £79   £79

These excesses apply plus 35% of the remaining claim for all vet fees claims.

SECTION 1 - VETS FEES
Cover
We pay up to the amount shown in the schedule, for each condition, for the proper veterinary charges following treatment given by a qualified vet. We also cover
complementary medicine recommended by your vet and administered by a qualified practitioner. This must follow an injury or illness that happened or started during this period of insurance. We will also contribute a sum of 30p per cat and 60p per dog per day up to the limits specified in the schedule to assist towards the cost difference between your pets normal diet and any special diet prescribed by and only available from your vet as part of the treatment to dissolve bladder stones or crystals in urine.
While your pet continues to receive treatment from your vet or a recommended qualified practitioner unless we say otherwise, we will need a written note from you every 90 days informing us of any costs incurred and the current state of your pets health.
If total vets fees seem likely to exceed £1000, you must notify us immediately as we may wish to obtain a 2nd opinion from our veterinary adviser. NB . We can not accept liability for any claim until a fully completed claim form, detailed veterinary account and full medical history is received.
Exclusions
1. Costs resulting from an injury or illness first showing clinical signs before your pets cover started.
2. Costs for cosmetic treatment, routine treatment or preventative treatment recommended by your vet to prevent injury or illness including trimming, scaling or
polishing teeth, vaccination, spaying, castration, grooming or nail clipping, breeding, whelping, kittening and any claims arising as a result of these procedures.
3. Any costs arising from vicious tendencies or behavioural problems shown by your pet.
4. Any costs for house calls / out-of-hours calls unless your vet confirms that your pet was suffering from a life-endangering condition.
5. Costs of putting a pet to sleep, cremation, disposal.
6. Costs not backed up by a receipt/invoice showing full details of the costs incurred.
7. Any costs incurred more than 365 days after the first date of treatment for any condition, whether it is ongoing, chronic or recurring.
8. Costs for treatment of conditions arising from your pet being overweight, except weight gain as a result of a diagnosed illness.
9. Prescribed diets other than those detailed above.
Note: There will be a fixed deduction of 10% from any recoverable hospitalisation costs of the policy to account for the normal cost of pet ownership such as housing, bedding and food.
CONDITIONS WHICH APPLY TO SECTIONS 1 AND 2.
1. If there is any illness of, or injury to, your pet you must immediately get a qualified vet to treat your pet (you must pay for this). You must allow the vet to take your pet away for treatment if it is best. You must provide a report from the attending vet about the condition of your pet (even if it dies). You must keep to every reasonable instruction we issue.
2. If your pet dies, you must arrange and pay for a qualified vet to certify the cause of death. The vet must make a post-mortem examination at your expense (if we say we need one).

SECTION 1 - VETS FEES
Cover
We will also contribute a sum of 30p per cat and 60p per dog per day up to the limits specified in the schedule to assist towards the cost difference between your pets normal diet and any special diet prescribed by and only available from your vet as part of the treatment to dissolve bladder stones or crystals in urine.
Exclusions
8. Costs for treatment of conditions arising from your pet being overweight, except weight gain as a result of a diagnosed illness.
9. Prescribed diets other than those detailed above.
Note: There will be a fixed deduction of 10% from any recoverable hospitalisation costs of the policy to account for the normal cost of pet ownership such as housing, bedding and food.

SECTION 1 - VETS FEES
Cover
We pay up to the amount shown in the schedule, for each condition, for the proper veterinary charges following treatment given by a qualified vet. We also cover
complementary medicine recommended by your vet and administered by a qualified practitioner. This must follow an injury or illness that happened or started during this period of insurance.
Definitions state:-
"Complementary medicine - physiotherapy, acupuncture, homeopathic or herbal medicines".

SECTION 2 - DEATH OF DOG OR CAT FROM ACCIDENT OR ILLNESS
Cover
We pay the market value, the price paid or the amount shown in the schedule (whichever is less) if your pet dies during the period of insurance or is put down for humane reasons because of injury or illness that happened or started during this period of insurance. The death must occur during the same period of insurance. You must tell us immediately in writing of the accident or illness.
Exclusions
1. Putting a pet to sleep due to law, regulation, an order of the Privy Council, a government department, a public authority or similar, or order related to a notifiable
disease.
2. Death during or after a surgical operation or a general anaesthetic unless a qualified vet certifies that it was necessary because of injury or illness.
3. Putting a pet to sleep for financial reasons or putting a dog to sleep because of its vicious tendencies or problems with its behaviour.
4. Death due to illness of any dog or cat aged 8 years or over at the inception or renewal of any policy.
CONDITIONS WHICH APPLY TO SECTIONS 1 AND 2.
1. If there is any illness of, or injury to, your pet you must immediately get a qualified vet to treat your pet (you must pay for this). You must allow the vet to take your pet away for treatment if it is best. You must provide a report from the attending vet about the condition of your pet (even if it dies). You must keep to every reasonable instruction we issue.
2. If your pet dies, you must arrange and pay for a qualified vet to certify the cause of death. The vet must make a post-mortem examination at your expense (if we say we need one).

SECTION 5 - LOSS BY THEFT OR STRAYING
Cover
We pay the market value, the price paid or the amount shown in the schedule for this section (whichever is less) if the insured pet is not found within 28 days of straying or being stolen. It must have disappeared from your address or another place as given in the proposal form or approved by any endorsement. You must report it to the police as soon as you discover that your pet is missing.
We pay an extra amount up to 25% of your pets sum insured to cover the cost of advertising for lost or stolen pets or paying a reward which leads to getting your pet back. (You must get our written agreement before offering a reward.)
Exclusions
1. Theft which does not involve forcible and violent entry to a secure area, such as a pen or your home.

SECTION 5 - LOSS BY THEFT OR STRAYING
Cover
We pay the market value, the price paid or the amount shown in the schedule for this section (whichever is less) if the insured pet is not found within 28 days of straying or being stolen. It must have disappeared from your address or another place as given in the proposal form or approved by any endorsement. You must report it to the police as soon as you discover that your pet is missing.
We pay an extra amount up to 25% of your pets sum insured to cover the cost of advertising for lost or stolen pets or paying a reward which leads to getting your pet back. (You must get our written agreement before offering a reward.)
Exclusions
1. Theft which does not involve forcible and violent entry to a secure area, such as a pen or your home.

SECTION 5 - LOSS BY THEFT OR STRAYING
Cover
We pay the market value, the price paid or the amount shown in the schedule for this section (whichever is less) if the insured pet is not found within 28 days of straying or being stolen. It must have disappeared from your address or another place as given in the proposal form or approved by any endorsement. You must report it to the police as soon as you discover that your pet is missing.
We pay an extra amount up to 25% of your pets sum insured to cover the cost of advertising for lost or stolen pets or paying a reward which leads to getting your pet back. (You must get our written agreement before offering a reward.)
Exclusions
1. Theft which does not involve forcible and violent entry to a secure area, such as a pen or your home.

SECTION 3 - BOARDING KENNEL/CATTERY FEES
Cover
We pay the cost of boarding your pet for the duration that you are a registered in-patient of a hospital provided you suffer:
- any bodily injury, sickness or disease and you are in hospital for longer than the period shown in the schedule; and
- there is no other responsible person who can care for your pet. You must board your pet at a licensed kennel or cattery and we will pay up to the amount given in the policy schedule
Exclusions
1. Any claims by you or your partner for:
(a) pregnancy;
(b) any hospital treatment that was expected or probable when you started or renewed this insurance; and any medical condition you or your partner already have which might happen again;
2. Any claim if:
(a) you do not send us receipts from the boarding kennel or cattery clearly showing the name of the pet, the owners name and address, the date your pet was cared for by the kennel or cattery and the amounts charged for each day;
(b) a medical certificate from the hospital you attended does not show your name and address or we do not receive it.

SECTION 4 - HOLIDAY CANCELLATION
Cover
If you have to cancel or cut short your holiday because your cat or dog needs emergency life-saving surgery because of an accident or illness occurring within 14 days of the holiday, we pay the costs that you cannot recover. We only pay up to the amount shown in the schedule.
You will need to get (at your own cost) receipts from the travel company, tour operator or other similar party for the expenses that are being claimed, clearly showing dates and charges you have to pay because of cancelling or cutting short your holiday.
Exclusions
1. Surgery for non-life-saving operations.
2. Costs for any holiday booked less than 28 days before you leave.
3. Expenses that can be claimed from any other source.

SECTION 6 - ACCIDENTAL DAMAGE
Cover
We insure you for accidental damage to personal property that is not owned by you, a member of your immediate family, a relative, employee, guest or other person who is responsible for or in control of your pet. You are covered while the pet is visiting someone elses property, whether or not you are legally liable for the damage. You must give us evidence of the loss. The damaged item must not be disposed of without our written consent.
Exclusions
1. Damage to any motor vehicle or its contents.
2. Damage caused by your pet vomiting, defecating (fouling) or urinating.
3. Damage while the pet is left unattended.

SECTION 10 - PERSONAL ACCIDENT
Cover
We cover you up to the amount stated in the schedule as a result of lost income if you are bitten by your pet while you are caring for it and have to miss work as a result of the injury.
Exclusions
1. Any losses incurred without a doctors note to confirm the incapacity suffered.
2. Any pet that is known to have vicious tendencies unless we have been previously told about this and have accepted it in writing.

SECTION 11 - DOG WALKER
Cover
We pay up to the amount stated in the schedule for the reasonable cost of paying someone to daily walk your dog if you suffer any bodily injury, sickness or disease that requires you to go to into hospital. Your stay in hospital must be longer than the period shown in the schedule and there must be no member of your immediate family able to look after your dog. We must agree to the amount to be paid to the person looking after the dog before they accept any responsibility unless emergency hospital treatment is required.
Exclusions
1. Any claims by you or your partner for:
(a) pregnancy;
(b) any hospital treatment that was expected or probable when you started or renewed this insurance;
and any medical conditions you or your partner already have or which might happen again.
2. Any claim that is not supported by a cheque stub showing the amount paid or written confirmation from the carer that the agreed sum has been received.
3. Any claim where a medical certificate from the hospital you attended does not show your name, address or dates that you were hospitalised or that we do not receive.

SECTION 9 - TRANSPORT COSTS
Cover
We cover you up to the amount stated in the schedule for any reasonable transport or mileage costs incurred if your vet refers your pet to another practice or veterinary school. Personal mileage costs will be calculated at 11p per mile.
Exclusions
1. Any repeat journey costs unless agreed by us.
2. Any loss not backed up by a detailed receipt for public transport or fuel and full details of mileage travelled.

The policies are loaded depending on where you live. They are divided into 3 sections and are as follows
Area C  London 
Area B  Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex, Surrey
Area A  Rest of UK

Policy alteration & cancellation rights
If you ask to alter this policy, its schedule or any part of the cover there will be a reasonable endorsement fee.

£0
Policy wording states:-
Policy alteration & cancellation rights
If you wish to cancel your policy within the first 14 days of policy inception/review and you have not made a claim there is no penalty and upon cancellation you will be entitled to a full return of premiums.
If you wish to cancel after 14 days of policy inception/review and you have not made a claim you can cancel at any time and will be entitled to the return of the unexpired portion of your premium. However, we will deduct the reasonable cost of setting up and administering your policy. We may cancel this insurance at any time in which case we will return the premiums paid less a reasonable amount for the time the policy has been in force. Our liability then ceases immediately but without affecting your or our rights under the policy up to the cancellation date. Notice will be treated as sufficiently given if posted to your last known address. Following the cancellation charge, no refund will be made of any amount equal to or less than £5.

However after checking with the insurer they have advised that there is no cancellation fee, but policy would be cancelled on a 'short period basis'.