Empire Stores Silver

8 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.
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Territorial limits
Your Pet is covered whilst in the United Kingdom, Northern Ireland, Isle of Man, Channel Islands and including Eire but only up to a maximum stay of 30 days during the Period of Insurance. In accordance with the European Economic Community regulations this insurance also extends to cover Your Pet under the PETS Travel Scheme whilst temporarily located in any member country of the PETS Travel Scheme (Excluding long haul countries as defined by DEFRA), but only for a maximum stay of thirty (30) days during the Period of Insurance in respect of Silver Cover or unlimited overseas travel during the Period of Insurance in respect of Gold and Platinum plans.collapse

3.2 Death from accident
We will pay You the purchase price of Your Pet as declared on the statement of insurance, up to a maximum of £150 (silver), £400 (gold) or £1,000 (platinum) 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 as necessary to alleviate incurable and inhumane suffering of the Pet, due to accident.collapse

Section 6
6.1 Helplines
All policies automatically include access to the following helplines
6.2 Healthcare away from home
If You and 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, the Company gives You access to Our helplines so We can identify the nearest Vet for You - Telephone: 0844 335 1582
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2.1 Veterinary fees cover
We will pay for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for up to 12 months from the occurrence of an accident, illness or disease occurring to the Pet, up to the limit of £1,500 (silver) or £3,500 (gold).
Platinum cover is continuous for each separate accident, illness or disease up to the limit of £7,000 per Incident. Treatment in respect of any Condition can continue until the original Vet fees limit has been reached subject to the Policy remaining in force, being continuously renewed at each anniversary and premiums paid on time.
Policy limits are dependent on the cover selected and excess as specified on the Policy schedule and subject to written notice of such accident, illness or disease having been given to Us within 60 days of occurrence. The limit of cover and excess are on a per Incident basis.
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 pay for:
1 a) The Excess as shown on the Policy schedule..
b) Any Treatment exceeding 12 months after the Incident under Silver and Gold.
c) Any Treatment exceeding £7,000 per Incident under Platinum.
d) Any Treatment costs incurred after the Policy has expired.
2 Veterinary fees in connection with:
a) Any Pre-existing Conditions or illness unless previously agreed by Us.
b) Any illness or Condition arising prior to or within the first 10 days of the inception date of the Policy (This exclusion is not applicable to renewed policies).
c) Preventative and elective Treatments, routine examinations and Treatment including but not limited to routine vaccinations, grooming, spaying or castration, whelping or kittening or to any Treatment in connection with pregnancy or giving birth or arising out of these procedures.
d) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
e) Non essential hospitalisation and or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
f) Diet foods, other than for a 4 week period for a specific accident or illness.
g) Dental Treatment except as a result of an accident.
h) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general well-being of any Pet.
i) Any claim for cryptorchidism.
j) Any claim as a result of a 'notifiable' disease, e.g. Rabies.
k) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
l) Any charges in respect of disposal, cremation, or burial of Your Pet.
m) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Us.
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