Esure Pet Plus

General conditions
6) You may cancel this policy at any time by writing to us.
esure pet insurance
The Connect Centre, Kingston Crescent
Portsmouth, Hants PO2 8QL
If you cancel this policy within the first 14 days from the start date of your insurance, provided that there has been no claim(s) or incident(s) that may give rise to a claim(s) for the death/loss of your pet we will refund any premium that has been paid.

Claims conditions
You must comply with the following conditions to have the full protection of your policy. If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any payment made.
- In the event of any possible claim under any sections of this insurance you must notify esure pet insurance as soon as possible and no later than 60 days after any possible incident likely to result in a claim.
Telephone: 0845 606 1390.
If you do not contact esure pet insurance within 60 days of the incident and this prejudices esure pet insurance's ability to verify the claim then, other than in exceptional circumstances, esure pet insurance will be unable to deal with your claim.
- If any liability under this insurance is covered by any other insurance policy we will not pay more than our rateable proportion.
- Following a claim we shall be entitled to take over and exercise any rights in your name against any other party for our own benefit and at our own expense to recover any payment we have made under this policy.
- You must not act in a fraudulent manner. If you or anyone acting for you:
- Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect.
- Make a statement in support of a claim knowing the statement to be false in any respect.
- Submit a document in support of a claim knowing the document to be forged or false in any respect.
- Make a claim in respect of any loss or damage caused by your wilful act or with your connivance.
Then:
- We shall not pay the claim.
- We shall not pay any other claim which has been or will be made under the policy.
- We may at our option declare the policy void.
- We shall be entitled to recover from you the amount of any claim already paid under the policy since the last renewal date.
- We shall not make any return of the premium.
- We may inform the police of the circumstances.

Claims conditions
You must comply with the following conditions to have the full protection of your policy. If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any payment made.
2) If any liability under this insurance is covered by any other insurance policy we will not pay more than our rateable proportion.

Veterinary fees
What is covered
The cost of fees paid for any treatment your pet received whilst insured by us subject to the maximum amount shown on your Schedule and Statement of Insurance.
Pet and Pet Plus Insurance
Cover is continuous for each separate incident up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date.
Treatment in respect of any condition can continue until the original fees limit has been reached.
Cover is subject to the submission of a claim form for the incident having been made to esure pet insurance within 60 days of the incident.
With your authority we will pay your vet directly on your behalf.
The following are the fees which esure pet insurance will pay:
- Vet fees for treating your pets illness or injury or condition.
- Fees for any alternative medicine or complementary medicine which the vet recommends and for which you have obtained pre-approval from esure pet insurance, including a limited number of sessions of hydrotherapy provided by hydrotherapy pool operators who are members of the CHA (Canine Hydrotherapy Association).
- The cost of a clinical diet for your pet, as long as it is prescribed by your vet for reasons other than weight loss. esure pet insurance will pay the cost for the clinical diet after deduction of your pets normal feeding costs.
- Fees for putting your pet to sleep as long as it is recommended by your vet to alleviate incurable and inhumane suffering.
- Fees for dental treatment for your pet as a result of an accident.
What is not covered
- Policy excess, this is shown on your Schedule and Statement of Insurance.
- Any treatment where the policy limit per incident has been reached. See the maximum amount shown on your Schedule and Statement of Insurance.
- Preventative and elective treatments, routine examinations and any claims arising as a result of these procedures, including but not limited to routine spaying, spaying to prevent the recurrence of false pregnancy and/or mammary tumours, routine castration (including the removal of retained testicles), castration for the prevention of anal adenomas, the removal of dew claws, whelping or treatment in connection with
pregnancy or giving birth, vaccinations, grooming, killing and controlling fleas and routine treatment for roundworms and tapeworms.
- Non-essential hospitalisation and/or ambulance charges and/or house calls unless the vet declares that to move your pet would seriously endanger its health.
- A clinical diet that is only prescribed to help your pet lose weight.
- Any treatment administered outside the period of Insurance.
- Fees for unapproved alternative medicine or complementary medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage and faith healing).
- Fees resulting from an injury or illness specified as excluded on your Schedule and Statement of Insurance.
- Fees for the cost of treatment your pet has received after the policy has lapsed or been cancelled.
- Any fee charged by your vet to complete the claim form.
- Any pre-existing condition unless previously agreed by us.
- Vet fees to treat an illness which arises within 10 days of the start of the policy. (Not applicable to renewal policies.)
- Travelling expenses incurred by your vet unless the vet deems that to move your pet would seriously endanger its health.
- Dental treatment, except as a direct result of an accident.
- Any claim for any form of housing or bedding needed for the treatment or wellbeing of your pet.
- Any claim as a result of a "notifiable" disease e.g. Rabies.
- Any post mortem costs.
- Incremental costs caused as a result of the late submission of your claim.
- The repair and treatment of umbilical hernias.
- Organ transplantation and associated treatment.
- Any charges in respect of euthanasia except in the case of your vet putting your pet to sleep to alleviate incurable and inhumane suffering.
- Any charges in respect of disposal, cremation or burial of your pet.
- Treatment for behavioural problems and/or training unless the behavioural problems are caused, in your vets opinion, as a direct result of an insured incident occurring during the period of insurance.

Veterinary fees
What is covered
The cost of fees paid for any treatment your pet received whilst insured by us subject to the maximum amount shown on your Schedule and Statement of Insurance.
Pet and Pet Plus Insurance
Cover is continuous for each separate incident up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date.
Treatment in respect of any condition can continue until the original fees limit has been reached.
Cover is subject to the submission of a claim form for the incident having been made to esure pet insurance within 60 days of the incident.
With your authority we will pay your vet directly on your behalf.
The following are the fees which esure pet insurance will pay:
- Vet fees for treating your pet's illness or injury or condition.
- Fees for any alternative medicine or complementary medicine which the vet recommends and for which you have obtained pre-approval from esure pet insurance, including a limited number of sessions of hydrotherapy provided by hydrotherapy pool operators who are members of the CHA (Canine Hydrotherapy Association).
- The cost of a clinical diet for your pet, as long as it is prescribed by your vet for reasons other than weight loss. esure pet insurance will pay the cost for the clinical diet after deduction of your pet's normal feeding costs.
- Fees for putting your pet to sleep as long as it is recommended by your vet to alleviate incurable and inhumane suffering.
- Fees for dental treatment for your pet as a result of an accident.
What is not covered
- Policy excess, this is shown on your Schedule and Statement of Insurance.
- Any treatment where the policy limit per incident has been reached. See the maximum amount shown on your Schedule and Statement of Insurance.
- Preventative and elective treatments, routine examinations and any claims arising as a result of these procedures, including but not limited to routine spaying, spaying to prevent the recurrence of false pregnancy and/or mammary tumours, routine castration (including the removal of retained testicles), castration for the prevention of anal adenomas, the removal of dew claws, whelping or treatment in connection with pregnancy or giving birth, vaccinations, grooming, killing and controlling fleas and routine treatment for roundworms and tapeworms.
- Non-essential hospitalisation and/or ambulance charges and/or house calls unless the vet declares that to move your pet would seriously endanger its health.
- A clinical diet that is only prescribed to help your pet lose weight.
- Any treatment administered outside the period of Insurance.
- Fees for unapproved alternative medicine or complementary medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage and faith healing).
- Fees resulting from an injury or illness specified as excluded on your Schedule and Statement of Insurance.
- Fees for the cost of treatment your pet has received after the policy has lapsed or been cancelled.
- Any fee charged by your vet to complete the claim form.
- Any pre-existing condition unless previously agreed by us.
- Vet fees to treat an illness which arises within 10 days of the start of the policy. (Not applicable to renewal policies.)
- Travelling expenses incurred by your vet unless the vet deems that to move your pet would seriously endanger it's health.
- Dental treatment, except as a direct result of an accident.
- Any claim for any form of housing or bedding needed for the treatment or wellbeing of your pet.
- Any claim as a result of a "notifiable" disease e.g. Rabies.
- Any post mortem costs.
- Incremental costs caused as a result of the late submission of your claim.
- The repair and treatment of umbilical hernias.
- Organ transplantation and associated treatment.
- Any charges in respect of euthanasia except in the case of your vet putting your pet to sleep to alleviate incurable and inhumane suffering.
- Any charges in respect of disposal, cremation or burial of your pet.
- Treatment for behavioural problems and/or training unless the behavioural problems are caused, in your vet's opinion, as a direct result of an insured incident occurring during the period of insurance.

Veterinary fees
What is covered
The cost of fees paid for any treatment your pet received whilst insured by us subject to the maximum amount shown on your Schedule and Statement of Insurance.
Pet and Pet Plus Insurance
Cover is continuous for each separate incident up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date.
Treatment in respect of any condition can continue until the original fees limit has been reached.
Cover is subject to the submission of a claim form for the incident having been made to esure pet insurance within 60 days of the incident.
With your authority we will pay your vet directly on your behalf.
The following are the fees which esure pet insurance will pay:
- Vet fees for treating your pets illness or injury or condition.
- Fees for dental treatment for your pet as a result of an accident.
What is not covered
- Dental treatment, except as a direct result of an accident.

Veterinary fees
What is covered
The cost of fees paid for any treatment your pet received whilst insured by us subject to the maximum amount shown on your Schedule and Statement of Insurance.
Pet and Pet Plus Insurance
Cover is continuous for each separate incident up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date.
Treatment in respect of any condition can continue until the original fees limit has been reached.
Cover is subject to the submission of a claim form for the incident having been made to esure pet insurance within 60 days of the incident.
With your authority we will pay your vet directly on your behalf.
The following are the fees which esure pet insurance will pay:
- The cost of a clinical diet for your pet, as long as it is prescribed by your vet for reasons other than weight loss. esure pet insurance will pay the cost for the clinical diet after deduction of your pets normal feeding costs.
What is not covered
- A clinical diet that is only prescribed to help your pet lose weight.

Meaning of words and terms
alternative medicine
Means herbal or homeopathic medicine.
complementary medicine
Means physiotherapy, acupuncture, osteopathy, hydrotherapy and chiropractic treatment.

Veterinary fees
What is covered
The cost of fees paid for any treatment your pet received whilst insured by us subject to the maximum amount shown on your Schedule and Statement of Insurance.
Pet and Pet Plus Insurance
Cover is continuous for each separate incident up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date.
Treatment in respect of any condition can continue until the original fees limit has been reached.
Cover is subject to the submission of a claim form for the incident having been made to esure pet insurance within 60 days of the incident.
With your authority we will pay your vet directly on your behalf.
The following are the fees which esure pet insurance will pay:
- Fees for any alternative medicine or complementary medicine which the vet recommends and for which you have obtained pre-approval from esure pet insurance, including a limited number of sessions of hydrotherapy provided by hydrotherapy pool operators who are members of the CHA (Canine Hydrotherapy Association).
What is not covered
- Fees for unapproved alternative medicine or complementary medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage and faith healing).

Overseas travel
Repeat tick and worming treatment
- Tick and worming treatment is required by the PETS travel scheme to be administered between 24-48 hours prior to departure to the UK. We will reimburse you for reasonable costs incurred in arranging repeat tick and worming treatment where you have already had your pet treated, but then you are required to have repeat treatment due to your departure to the UK being delayed by your carrier.
All claims under this section of the policy are subject to a policy limit, which is shown in your Schedule and Statement of Insurance and must be supported with all relevant receipts and documentary evidence of expenditure including documentary evidence that the initial tick and worming treatment was administered.

Veterinary fees
What is covered
The cost of fees paid for any treatment your pet received whilst insured by us subject to the maximum amount shown on your Schedule and Statement of Insurance.
Pet and Pet Plus Insurance
Cover is continuous for each separate incident up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date.
Treatment in respect of any condition can continue until the original fees limit has been reached.
Cover is subject to the submission of a claim form for the incident having been made to esure pet insurance within 60 days of the incident.
With your authority we will pay your vet directly on your behalf.
The following are the fees which esure pet insurance will pay:
- Fees for putting your pet to sleep as long as it is recommended by your vet to alleviate incurable and inhumane suffering.
What is not covered
- Any charges in respect of euthanasia except in the case of your vet putting your pet to sleep to alleviate incurable and inhumane suffering.
- Any charges in respect of disposal, cremation or burial of your pet.

Death of your pet
What is covered
- The purchase price you paid for your pet as declared on the Schedule and Statement of Insurance subject to the maximum policy limit shown on your Schedule and Statement of Insurance. If your pet dies because of an illness, injury, or in the event of your vet putting your pet to sleep, if recommended by a vet as necessary to alleviate incurable and inhumane suffering of your pet, due to illness or injury during the period of insurance.
If you did not pay for your pet or cannot provide evidence of the purchase price, we will pay the market value instead. (Market value means the price generally paid for a similar pet based on its age, breed and pedigree at the time you took ownership.)
What is not covered
- If your pet dies from an illness when your pet is 9 years or over in the case of dogs and 11 years or over in the case of cats.
- If your pet is put to sleep due to aggression unless this can be attributed to a medical condition.
- If your pet dies from an illness which arises or first shows clinical signs or symptoms within 10 days or prior to you taking out this policy.
- If you are not able to provide esure pet insurance with a death certificate.

Death of your pet
What is covered
- The purchase price you paid for your pet as declared on the Schedule and Statement of Insurance subject to the maximum policy limit shown on your Schedule and Statement of Insurance. If your pet dies because of an illness, injury, or in the event of your vet putting your pet to sleep, if recommended by a vet as necessary to alleviate incurable and inhumane suffering of your pet, due to illness or injury during the period of insurance.
If you did not pay for your pet or cannot provide evidence of the purchase price, we will pay the market value instead. (Market value means the price generally paid for a similar pet based on its age, breed and pedigree at the time you took ownership.)
What is not covered
- If your pet dies from an illness when your pet is 9 years or over in the case of dogs and 11 years or over in the case of cats.
- If your pet is put to sleep due to aggression unless this can be attributed to a medical condition.
- If your pet dies from an illness which arises or first shows clinical signs or symptoms within 10 days or prior to you taking out this policy.
- If you are not able to provide esure pet insurance with a death certificate.

Advertising and reward
What is covered
If you try to find your pet after it is lost, stolen or strays (not dog-napped), we will pay you up to the amount shown in your Schedule and Statement of Insurance (including £250 reward costs) for advertising and other appropriate costs. You must contact us and wait for us to agree in writing before you pay any costs for trying to find your pet.
What is not covered
- The money you spend trying to find your pet if we have not agreed in advance to the method and cost.
- Any reward to a person who is living with you.

Advertising and reward
What is covered
If you try to find your pet after it is lost, stolen or strays (not dog-napped), we will pay you up to the amount shown in your Schedule and Statement of Insurance (including £250 reward costs) for advertising and other appropriate costs. You must contact us and wait for us to agree in writing before you pay any costs for trying to find your pet.
What is not covered
- The money you spend trying to find your pet if we have not agreed in advance to the method and cost.
- Any reward to a person who is living with you.

Theft, straying or loss of your pet
What is covered
The purchase price for your pet as declared on the Schedule and Statement of Insurance up to the maximum policy limit shown on your Schedule and Statement of Insurance if during the period of insurance your pet is lost, stolen, strays or is dog-napped and your pet is not returned to you within 45 days. If you get your pet back after we have paid you, you must pay back all of the money we paid you.
If you did not pay for your pet or cannot provide evidence of the purchase price we will pay the market value instead. (Market value means the price generally paid for a similar pet based on its age, breed and pedigree at the time you took ownership.)
What is not covered
- We will not make any payment if you do not report your missing dog to the police within 24 hours of discovering the loss.
- You must make enquiries with local rescue centres (in the case of both dogs and cats).

Boarding kennel fees
What is covered
Kennel fees for your pet up to the amount shown on your Schedule and Statement of Insurance if during the period of insurance:
- You have an illness or injury which requires you to go into hospital for more than 48 hours; and
- Your pet stays in a licensed kennel/cattery while you are in hospital.
We will also pay for Boarding your pet at a licensed establishment if your main UK residence is deemed to be uninhabitable as a result of circumstances beyond your control, including but not limited to: flood, fire, hurricane, and/or an enforced evacuation on order of the emergency services.
What is not covered
- Kennel fees if you have previously gone into hospital for the same illness or injury.
- Kennel fees incurred as a result of the hospitalisation of anyone other than you.
- Kennel fees incurred as a result of hospitalisation required due to pregnancy or giving birth, drug abuse or attempted suicide.
- Any known medical condition likely to give rise to hospitalisation at the start of the cover.
- Transportation costs for you and your pet to or from the boarding kennel/cattery establishment.
- Where the incident which led to the incurring of kennel fees occurred outside of the period of insurance.

Holiday cancellation/curtailment
What is covered
We will pay you up to the amount shown on your Schedule and Statement of Insurance for the costs incurred by you if during the period of insurance:
- You cancel your holiday or come home early because your vet believes your pet needs lifesaving treatment or surgery.
- You cancel your holiday less than 7 days before you were due to leave because your vet believes your pet needs lifesaving treatment or surgery.
What is not covered
- These costs for anyone else who is on holiday or who is going to be on holiday with you.
- If you cancel your holiday or come home early because your pet needs surgery which is not life-saving.
- If you booked your holiday less than 28 days before you were due to leave.
- If you cancel your holiday or come home early as a result of any pre-existing condition or if you knew about the illness before going on holiday and the illness was likely to necessitate emergency treatment.
- Any additional costs which are incurred due to your fault, e.g. if you fail to arrive on time at the airport/ferry port.
- If you can get these expenses back from anywhere else, for example, from your travel insurance.
- Any additional 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 your holiday.

Accidental damage
What is covered
- Accidental damage to personal property not owned by or in the custody or control of you caused by your pet. The payment made will take into account the pre incident age and condition of the damaged item(s).
- Accidental damage is subject to the maximum amount shown on your Schedule and Statement of Insurance.
What is not covered
- Policy excess applies, this is shown on your Schedule and Statement of Insurance.
- Damage to property in the ownership, custody or control of you, your family, household or any person employed by members of your household.
- Damage to property in the ownership of any person entrusted with the care, control and custody of the pet named in the Schedule.
- Any damage occurring whilst your pet is left unattended.

Other contact numbers
Vet Search
0845 606 1360 - Monday - Friday 8am-8pm, Saturday 9am-5pm
To find a local veterinary practice when you are at home or elsewhere in the United Kingdom, the Isle of Man or the Channel Islands.

Key contact numbers
24-hour Pet Health & Wellbeing
0845 606 1394 - 24 hours a day, 7 days a week
For veterinary advice on all aspects of your pets health and wellbeing.

Other contact numbers
24-hour bereavement counselling
0845 606 1391 - 24 hours a day, 7 days a week
For confidential, understanding and professional support when your pet is ill or dies.

Other contact numbers
Pet Minders
0845 606 1393 - Monday - Friday 8am-8pm, Saturday 9am-5pm
To find a registered pet minder to look after your pet while you are away from home.

Overseas travel
Loss of healthcare certificate
What is covered
- The cost of a replacement health certificate should the original become lost during the trip. This includes any quarantine costs incurred as a direct result of such a loss. All claims under this section of the policy are subject to a policy limit, which is shown in your Schedule and Statement of Insurance and must be supported by all relevant receipts and documentary evidence of expenditure.
What is not covered
- Any claims where the loss of the certificate was not reported to the issuing vet within 24 hours of discovery.
- Any claims where the loss of the health certificate was established prior to departure.
Emergency expenses cover abroad
What is covered
- Additional accommodation and repatriation fees incurred by you should your pet require emergency veterinary treatment which results in you missing your return journey.
- Reimbursement of reasonable accommodation and transportation costs incurred by you following your pet becoming lost during a journey, whilst you endeavour to find your pet prior to your due return date to the UK.
- Reimbursement of reasonable additional accommodation and transportation costs incurred by you, for up to 4 days, should your pet become lost or stray prior to your return journey to the UK resulting in you remaining abroad whilst endeavouring to locate your pet.
All claims under this section of the policy are subject to a policy limit, which is shown in your Schedule and Statement of Insurance and must be supported with all relevant receipts and documentary evidence of expenditure. Additionally, you must notify the police or relevant transport operator within 24 hours of the incident and obtain, at your own expense, a written report should you wish to claim following the loss or theft of your pet.

Flea cover
What is covered
- Payment for contractors charges in dealing with the professional extermination of fleas in the event of an emergency, provided that the charges are authorised by us in advance of being incurred.
- Flea cover is subject to the maximum amount shown on your Schedule and Statement of Insurance.
What is not covered
- Costs incurred for an incident which is not an emergency.
- Costs incurred for any decorative or cosmetic part of any equipment.
- Cost as a result of your own negligence or deliberate act.
- If the home is left unoccupied for 30 consecutive days or more.
- Charges arising from your failure to comply with a reasonable request from us or our agent concerning the assistance being provided to you.
- Costs incurred for incident(s) occurring prior to or within 14 days from the start of cover.
- Costs resulting from your failure to follow recommendations made by us or by the contractor on pest prevention and hygiene measures.
- Charges we have not pre-approved or authorised as to amount and purpose.
- Call-out charges if there is no one at the home when the contractor arrives unless the contractor fails to arrive at the agreed time/date.
- Charges where we have not been notified promptly of the emergency prior to expenses being incurred and we have incurred additional expense as a result of your failure.
- Charges where having contacted us, you arrange for work to be carried out by different means from those agreed with us.
- An incident where a pet has not been treated appropriately for flea infestation.
- Loss or damage to any property or any consequential loss or damage of any kind.
- Where at, or before the start of, the first period of insurance in our reasonable opinion you were aware that a claim was likely to be made.
In addition to the General conditions the following conditions apply to Section 11 - Flea cover
- You must co-operate with us at all times and provide us with all information that we request from you. We may take proceedings at our own expense in your name to recover any money paid under this insurance.
If you fail to comply with this condition, we may refuse to pay any claim or part arising as a result of your failure.
- The policyholder named in the Schedule and Statement of Insurance must have paid the relevant premium and have been declared to us as having done so.
- If we waive any right or breach of any term of this policy this will not waive any other right or later breach.
- You cannot transfer your rights under this policy. A person, partnership (whether limited or not) or company who is not a party to this policy has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.
esure pet insurance may send notices and letters on our behalf to the address set out in the Schedule and Statement of Insurance.
esure pet insurances address is set out in the Complaints section and notices and letters will be accepted on behalf of us at that address.

Overseas travel
Quarantine costs
What is covered
- Quarantine kennelling costs and costs incurred in obtaining a replacement health certificate for your pet should a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fail.
- Quarantine kennelling costs should, despite compliance with the relevant regulations, your pet be placed in quarantine due to illness or condition.
All claims under this section of the policy are subject to a policy limit, which is shown in your Schedule and Statement of Insurance and must be supported with all relevant receipts and documentary evidence that your pet was micro-chipped prior to your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785.
What is not covered
- Any costs incurred where it was established that the microchip was not functioning prior to departure.
- Any costs incurred where it can be established that your pet was suffering from a condition prior to departure.

Overseas travel
Loss of PETS passport
What is covered
- The cost of a replacement PETS passport should the original become lost during the trip. This includes any quarantine costs incurred as a direct result of such a loss.
All claims under this section of the policy are subject to a policy limit, which is shown in your Schedule and Statement of Insurance and must be supported with all relevant receipts and documentary evidence of expenditure.
What is not covered
- Any claims where the loss of the passport was not reported to the issuing vet within 24 hours of discovery.
- Any claims where the loss of the passport was established prior to departure.

Definitions state:-
condition
Any illness or injury (or symptoms of these) whether or not it results in a diagnosis. Recurring and/or chronic conditions shall be considered as one loss.
Such conditions are defined as:
- clinical manifestations resulting in the same diagnosis (regardless of the number of events or areas of the body affected) to which your pet has an ongoing predisposition or susceptibility related in any way to the original claim; or
- conditions which are incurable and likely to continue for the remainder of your pet's life.