Greenbee Pet Insurance

7. Cancellation
Statutory cancellation rights
You may cancel this policy within 1 days of receipt of the policy documents (new business) or the renewal date (the cancellation period) by writing to Greenbee Pet Insurance at the address given below during the cancellation period. Any premium already paid will be refunded to you providing no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.
Greenbee Pet Insurance
The Connect Centre
Kingston Crescent
North End
Portsmouth
PO 8QL
Tel: 0845 610 0302
There is no refund of premium in the event of a claim for death of your pet caused by injury, theft or straying. However, in all other cases, we will retain an amount of premium in proportion to the time you have been on cover and refund the balance to you.
In the event of a claim for death of your pet caused by injury, theft or straying, if you are paying by instalments, you will either have to continue with the instalment payments until the policy renewal date or we may at our discretion, deduct the outstanding instalments due from any claim payment made.

There is a £50 excess for claims made under Vets fees, Holiday Cancellation and Pet Travel Cover.
There is also an excess of £250 for claims made under Third Party Liability cover.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
1. Up to £500 per period of insurance for the cost of dental treatment due to an injury.
What is not covered
6. The cost of dental treatment unless the treatment relates to an injury and 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.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
1. Up to £500 per period of insurance for the cost of dental treatment due to an injury.
What is not covered
6. The cost of dental treatment unless the treatment relates to an injury and 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.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
3. Up to £250 per period of insurance for the costs of treatment for behavioural problems carried out by a specialist under the direction of a vet.
What is not covered
27. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
Special conditions relating to claims
4. If your claim involves behavioural or complementary treatment the claim form and invoices must be countersigned by your vet.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
3. Up to £250 per period of insurance for the costs of treatment for behavioural problems carried out by a specialist under the direction of a vet.
What is not covered
27. The cost of treatment for a behavioural illness if your pets behaviour is caused by you failing to provide training.
Special conditions relating to claims
4. If your claim involves behavioural or complementary treatment the claim form and invoices must be countersigned by your vet.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
4. Up to £250 per period of insurance for the cost of a clinical diet for your pet (for a maximum period of weeks), as long as it is recommended by your vet in order to treat a condition and is only available from your vet. In this case we will pay the difference between the normal cost of feeding your pet and what you pay for the diet.
What is not covered
9. Obesity and oral hygiene diets unless we agree to pay for these under What is covered paragraph 5. above.

What we will not pay
2. The cost of any treatment for:
a. an illness that first showed clinical signs within 14 days of your pets cover starting; or,
b. an illness that 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,
c. 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.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
2. Up to £1,000 per period of insurance for complementary treatment carried out by a vet or a complementary therapist.
What is not covered
11. Complementary treatments that are not carried out under the direction of a vet.
Special conditions relating to claims
4. If your claim involves behavioural or complementary treatment the claim form and invoices must be countersigned by your vet.
Complementary therapist
A member of one of the following organisations:
- Association of Chartered Physiotherapists in Animal Therapy
- Association of Pet Behaviour Counsellors
- Canine and Feline Behaviour Association
- Canine Hydrotherapy Association
- McTimoney Chiropractic Association
- National Association of Veterinary Physiotherapists incorporating the National Association of Animal Therapists (NAAT)
- The International Association of Animal Therapists (UK)
Complementary treatment
Any of the following:
- Acupuncture and homeopathy carried out by, and herbal medicine prescribed treatment by, a veterinary practice.
- 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.
- Hydrotherapy carried out by a veterinary practice or a member of the Canine Hydrotherapy Association.
- 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.
- Physiotherapy carried out by a veterinary practice or 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 the National Association of Animal Therapists (NAAT) providing the member is a qualified animal physiotherapist.
- Treatment of a behavioural illness carried out by a veterinary practice or a member of the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
2. Up to £1,000 per period of insurance for complementary treatment carried out by a vet or a complementary therapist.
What is not covered
11. Complementary treatments that are not carried out under the direction of a vet.
Special conditions relating to claims
4. If your claim involves behavioural or complementary treatment the claim form and invoices must be countersigned by your vet.
Complementary therapist
A member of one of the following organisations:
- Association of Chartered Physiotherapists in Animal Therapy
- Association of Pet Behaviour Counsellors
- Canine and Feline Behaviour Association
- Canine Hydrotherapy Association
- McTimoney Chiropractic Association
- National Association of Veterinary Physiotherapists incorporating the National Association of Animal Therapists (NAAT)
- The International Association of Animal Therapists (UK)
Complementary treatment
Any of the following:
- Acupuncture and homeopathy carried out by, and herbal medicine prescribed treatment by, a veterinary practice.
- 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.
- Hydrotherapy carried out by a veterinary practice or a member of the Canine Hydrotherapy Association.
- 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.
- Physiotherapy carried out by a veterinary practice or 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 the National Association of Animal Therapists (NAAT) providing the member is a qualified animal physiotherapist.
- Treatment of a behavioural illness carried out by a veterinary practice or a member of the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
2. Up to £1,000 per period of insurance for complementary treatment carried out by a vet or a complementary therapist.
What is not covered
11. Complementary treatments that are not carried out under the direction of a vet.
Special conditions relating to claims
4. If your claim involves behavioural or complementary treatment the claim form and invoices must be countersigned by your vet.
Complementary therapist
A member of one of the following organisations:
- Association of Chartered Physiotherapists in Animal Therapy
- Association of Pet Behaviour Counsellors
- Canine and Feline Behaviour Association
- Canine Hydrotherapy Association
- McTimoney Chiropractic Association
- National Association of Veterinary Physiotherapists incorporating the National Association of Animal Therapists (NAAT)
- The International Association of Animal Therapists (UK)
Complementary treatment
Any of the following:
- Acupuncture and homeopathy carried out by, and herbal medicine prescribed treatment by, a veterinary practice.
- 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.
- Hydrotherapy carried out by a veterinary practice or a member of the Canine Hydrotherapy Association.
- 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.
- Physiotherapy carried out by a veterinary practice or 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 the National Association of Animal Therapists (NAAT) providing the member is a qualified animal physiotherapist.
- Treatment of a behavioural illness carried out by a veterinary practice or a member of the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association.

Section 14 Repeat tick and worming treatment
What is covered
We will pay the cost of reasonable veterinary fees incurred by you in getting repeat tick and worming treatment for your pet if your scheduled departure to the United Kingdom is delayed by your carrier.
What is not covered
1. Any veterinary fees incurred in obtaining the initial tick and worming treatment.
2. Any veterinary fees incurred if the initial tick and worming treatment was not performed in the time-scale required by the pet travel scheme.
3. Any veterinary fees incurred if the repeat tick and worming treatment was not necessary in order to comply with the pet travel scheme.
4. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must keep receipts or bills for all veterinary fees incurred as these will help you substantiate your claim.
2. You must provide documentary evidence that the initial tick and worming treatment was obtained and that this was done in the time-scale required by the pet travel scheme.
3. You must provide evidence that the repeat tick and worming treatment was necessary in order to comply with the pet travel scheme.
4. You must get written confirmation from the carrier (or their handling agents) of the delay.
Claims evidence
We will require the following evidence where relevant:
- Receipts or bills for any veterinary fees claimed for.
- Documentary evidence confirming details of both the initial and repeat tick and worming treatments.
- A letter from the carrier (or their handling agents) confirming details of the delay.
- Any other relevant information that we may ask you for.

Section 1 Veterinary fees
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to £7,000 per period of insurance including:
6. Up to £100 for the cost of cremation if your pet dies or is put to sleep by a vet as a result of injury or illness, provided such injury or illness is covered under Section 7 - Death caused by injury or Section 8
- Death from illness.

Section 8
Death from illness
What is covered
We will pay you the market value up to a maximum of £1,000 if your pet dies or has to be put to sleep by a vet as a result of an illness.
What is not covered
1. Death caused by injury.
2. Any claim where your pet dies or has to be put to sleep due to:
a) an illness that first showed clinical signs within 14 days of your pets cover starting; or,
b) an illness that 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,
c) an 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.
3. Any claim if your pet is aged over 8 years at the time of death.
4. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep.
5. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us a death certificate from your vet (at your expense) or if not available a statement from an independent witness confirming your pets death, together with any pedigree certificate and receipt for the original purchase of your pet.
Claims evidence
We will require the following evidence where relevant:
- A death certificate from your vet (at your expense) or if not available a written statement from an independent witness confirming your pets death.
- A pedigree certificate and receipt for the original purchase of your pet.
- Any other relevant information that we may ask you for.

Section 7
Death caused by injury
What is covered
We will pay you the market value up to a maximum of £1,500 if your pet dies or has to be put to sleep by a vet following an injury.
What is not covered
1. Death caused by an illness.
2. Any claim if the death results from an injury that happened before your pets cover started.
3. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep.
4. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us a death certificate from your vet (at your expense) or if not available a statement from an independent witness confirming your pets death, together with any pedigree certificate and receipt for the original purchase of your pet.
Claims evidence
We will require the following evidence where relevant:
- A death certificate from your vet (at your expense) or if not available a written statement from an independent witness confirming your pets death.
- A pedigree certificate and receipt for the original purchase of your pet.
- Any other relevant information that we may ask you for.

Section 5 Advertising and reward costs
What is covered
We will pay you:
1. Up to £1,000 in each period of insurance for the costs incurred of local advertising if your pet is lost or stolen (including up to £100 towards sundries to make your own posters and advertising material).
2. Up to £1,000 in each period of insurance for the reward costs incurred to recover your pet if it is lost or stolen.
What is not covered
1. Any reward to a person living with you.
2. Any reward that we have not agreed to before you advertised it.
3. Any reward not supported by a signed receipt giving the full name and address of the person who found your pet.
4. Any reward paid to the person who was caring for your pet when it was lost or stolen.
5. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us full details of the circumstances including copies and a receipt for any advertisements that you have placed.
2. If you are claiming for the recovery of a reward we will also need a receipt giving us the full name and address of the person who found your pet and the amount you have paid them.
Claims evidence
We will require the following evidence where relevant:
- Copies of and receipts or bills for any advertisement costs claimed for.
- Receipt for the amount of the reward you are claiming.
- Any other relevant information that we may ask you for.

Section 5 Advertising and reward costs
What is covered
We will pay you:
1. Up to £1,000 in each period of insurance for the costs incurred of local advertising if your pet is lost or stolen (including up to £100 towards sundries to make your own posters and advertising material).
2. Up to £1,000 in each period of insurance for the reward costs incurred to recover your pet if it is lost or stolen.
What is not covered
1. Any reward to a person living with you.
2. Any reward that we have not agreed to before you advertised it.
3. Any reward not supported by a signed receipt giving the full name and address of the person who found your pet.
4. Any reward paid to the person who was caring for your pet when it was lost or stolen.
5. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us full details of the circumstances including copies and a receipt for any advertisements that you have placed.
2. If you are claiming for the recovery of a reward we will also need a receipt giving us the full name and address of the person who found your pet and the amount you have paid them.
Claims evidence
We will require the following evidence where relevant:
- Copies of and receipts or bills for any advertisement costs claimed for.
- Receipt for the amount of the reward you are claiming.
- Any other relevant information that we may ask you for.

Section 6 Theft or straying
What is covered
We will pay you the market value up to a maximum of £1,500 if your pet is stolen or goes missing and is not recovered within 90 days of the theft or straying.
What is not covered
1. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. If you have lost a dog you must report this to the Police within 24 hours of becoming aware that the dog is missing. In the case of cats you must make enquiries with local rescue centres.
2. Any claim notification must be made within 121 days of the date on which your pet is stolen or goes missing. The notification may be made at any time during this period but we will not make any payment to you within the first 90 days of the theft or straying.
3. You must send us any pedigree certificate and receipt for the original purchase of your pet.
4. If your pet is eventually found or returns you must repay the full amount that we have paid under this section of your policy.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the Police station where you reported the loss of your dog.
- Written details of the rescue centres you have spoken to about your cat.
- Any pedigree certificate and receipt for the original purchase of your pet.
- Any other relevant information that we may ask you for.

Section 3 - Emergency boarding kennel and cattery fees
What we will pay
The cost of boarding your pet at a licensed premises up to £100 per week up to a maximum benefit per period of insurance of £1,000. This is if and when you or any member of your family permanently residing with you should suffer any illness, condition, disease or accidental physical injury which necessitates you or any member of your family permanently residing with you having to go into hospital for emergency
treatment as an in-patient.
What we will not pay
1. Any hospitalisation that results from an illness that existed prior to the inception of the Policy.
2. Anything mentioned in the General exclusions on page 17.
3. Any amount if you are in hospital for less than 4 days.
4. Any costs resulting from your being pregnant, giving birth or any treatment that is not related to an injury or illness.
5. Any costs resulting from your going into a hospital for the treatment of alcoholism, drug abuse, drug addiction, attempted suicide or self-inflicted injuries.
6. Any costs resulting from nursing home care or from convalescence care that you do not receive in a hospital.
Special conditions relating to claims
There must be no member of your immediate family able to look after your pet. The claim must be supported by receipts from the kennels or cattery showing the dates and daily cost of boarding.
The claim must be supported by a medical certificate or confirmation from your doctor or the hospital that confirms the dates and length of your visit.

Section 9 Trip cancellation or return home
What is covered
We will pay you up to £3,000 in any period of insurance for travel and accommodation expenses that you cannot recover if you or any member of your family permanently residing with you have to cancel or cut short your trip because your pet:
1. Has gone missing while you are away or
2. Is injured or shows the first clinical signs of any illness while you are away or up to 7 days before you leave and needs immediate life-saving surgery.
What is not covered
1. The amount of the excess shown in your Schedule of Insurance.
2. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us confirmation of the treatment signed by your vet.
2. You must send us cancellation invoices from your travel agent, tour operator or other holiday sales organisation. The invoices must show the dates and total cost of your holiday, the date you decided to cancel or return home and any expenses that you cannot recover.
Claims evidence
We will require the following evidence where relevant:
- Written confirmation of the treatment signed by your vet.
- Cancellation invoices from your travel agent, tour operator or other holiday sales organisation.
- Any other relevant information that we may ask you for.

Section 11 Accidental damage
What is covered
We will pay you up to £750 if your pet causes damage to:
a) 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 while your pet is visiting someone elses property, whether or not you are legally liable for the damage.
What is not covered
1. Damage to any motor vehicle or its contents.
2. Damage caused by your pet vomiting, defecating (fouling) or urinating.
3. Damage while your pet is left unattended.
4. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us written and photographic evidence of the damage. The damaged item(s) must not be disposed of without our written consent.
2. You must send us an estimate for the cost of repair or reinstatement, or, where the property cannot be repaired, receipts for the items damaged as these will help you substantiate your claim.
Claims evidence
We will require the following evidence where relevant:
- Written and photographic evidence of the damage caused.
- Repair report where applicable.
- Receipts or valuations for items damaged beyond repair.
- Any other relevant information that we may ask you for.

Section 15 Emergency expenses abroad
What is covered
We will pay you up to £500 per trip (with a maximum of three trips in any period of insurance) for any of the following incurred by you outside the United Kingdom during a trip:
1. Reasonable additional accommodation and repatriation costs and expenses of you and your pet:
a) if your pet needs emergency veterinary treatment and as a result of this you miss your scheduled departure to the United Kingdom, provided such emergency veterinary treatment is covered under Section 1
- Veterinary fees.
b) if your scheduled departure to the United Kingdom is missed as a direct result of the loss of your pet's health certificate, provided that such loss is covered under Section 13 - Loss of health certificate.
c) if your scheduled departure to the United Kingdom is delayed by the carrier in order to get the tick and worm treatment repeated, provided the repeat tick and worm treatment is covered under Section 14 - Repeat tick and worm treatment.
2. Reasonable additional travel and accommodation costs and expenses (up to a maximum of 14 days) if your pet becomes lost during a trip, whilst you try to find your pet before your scheduled return date to the United Kingdom.
What is not covered
1. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us receipts or bills for all costs and expenses you have incurred as these will help you substantiate your claim.
2. You must provide documentary evidence that the initial tick and worming treatment was obtained and that this was done in the time-scale required by the pet travel scheme.
3. You must provide evidence that the repeat tick and worming treatment was necessary in order to comply with the pet travel scheme.
Claims evidence
We will require the following evidence where relevant:
- Receipts or bills for any transport, accommodation and repatriation costs or expenses claimed for.
- Documentary evidence that the initial tick and worming treatment was obtained and that this was done in the time-scale required by the pet travel scheme.
- Evidence that the repeat tick and worming treatment was necessary in order to comply with the pet travel scheme.
- Any other relevant information that we may ask you for.

Section 4 Daily minding
What is covered
We will pay you up to £100 per week up to a maximum of £1,000 in any period of insurance for the reasonable costs incurred in paying someone to look after your pet if:
a) you or any member of your family permanently residing with you should suffer any bodily injury, illness or disease which necessitates your or their hospitalisation as an in-patient for a period exceeding 4 complete days and no other member of your family permanently residing with you is able to look after your pet.
What is not covered
1. Any hospitalisation that is either known or foreseeable before cover for your pet started.
2. Any costs resulting from any treatment that is not related to a bodily injury, illness or disease.
3. Any costs resulting from your going into a hospital for the treatment for alcohol or solvent abuse, drug abuse, drug addiction, attempted suicide or self-inflicted injuries.
4. Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
5. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. We must agree to the amount to be paid to the person looking after your pet.
2. You must send us written confirmation from the carer that the agreed sum has been received.
3. You must send us a medical certificate or written confirmation from the treating doctor or the hospital that confirms the dates of your or your family member's admission and subsequent discharge from hospital.
Claims evidence
We will require the following evidence where relevant:
- A letter from the carer that the agreed sum has been received.
- Written confirmation from the treating doctor or the hospital of the dates of your or your family member's admission and subsequent discharge from hospital.
- Any other relevant information that we may ask you for.

Section 10 Expenses for referral to another vet
What is covered
We will pay you up to £150 in any period of insurance for any travel and accommodation expenses (between your home and the other veterinary practice) that you or any member of your family permanently residing with you incur if:
a) your pet is injured or shows the first clinical signs of an illness and your usual vet recommends another vet treats your pet provided that the illness or injury is covered under Section 1 - Veterinary fees.
What is not covered
1. Any expenses to travel to or from your pet's usual veterinary practice or to, from or in between any branch of a group of veterinary practices your usual veterinary practice belongs to.
2. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us receipts or bills for all travel and accommodation expenses you have incurred as these will help you substantiate your claim.
Claims evidence
We will require the following evidence where relevant:
- Receipts or bills for any travel and accommodation expenses claimed for.
- Any other relevant information that we may ask you for.

Section 12 Quarantine costs
What is covered
We will pay you up to £2,000 per trip (with a maximum of three trips in any period of insurance) for:
1. Quarantine kennelling costs and other costs incurred in getting a new health certificate for your pet, should your pet's microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fail.
2. Quarantine kennelling costs should your pet have to go into quarantine due to illness despite your compliance with all the required regulations of the pet travel scheme.
What is not covered
1. Any costs if the microchip was not checked and found to be functioning properly within the 14 days prior to your departure on any trip.
2. Any costs arising from any condition of which you were aware before the start of any trip.
3. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us Documentary evidence that your pet was microchipped prior to your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785.
2. You must send us all receipts or bills for quarantine kennelling and other costs incurred as these will help you substantiate your claim.
Claims evidence
We will require the following evidence where relevant:
- Documentary evidence that your pet was microchipped prior to your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785.
- Receipts or bills for any quarantine kennelling or other costs claimed for.
- Any other relevant information that we may ask you for.

Section 13 Loss of health certificate
What is covered
We will pay you up to £250 towards the cost of a replacement health certificate should the original health certificate become lost, stolen or destroyed during a trip. This includes any quarantine costs incurred as a direct result of the loss of the health certificate.
What is not covered
1. Any loss, theft or destruction that occurs prior to the start of your trip.
2. Any claim where the loss, theft or destruction of the health certificate is not reported to the issuing vet within hours of discovery.
3. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us receipts or bills for all costs you have incurred as these will help you substantiate your claim.
Claims evidence
We will require the following evidence where relevant:
- Receipts or bills for any replacement health certificate and quarantine costs claimed for.
- Any other relevant information that we may ask you for.

Section 7
Death caused by injury
What is covered
We will pay you the market value up to a maximum of £1,500 if your pet dies or has to be put to sleep by a vet following an injury.
What is not covered
1. Death caused by an illness.
2. Any claim if the death results from an injury that happened before your pets cover started.
3. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep.
4. Anything mentioned in the General exclusions applicable to all sections of the policy on page 17.
Special conditions relating to claims
1. You must send us a death certificate from your vet (at your expense) or if not available a statement from an independent witness confirming your pets death, together with any pedigree certificate and receipt for the original purchase of your pet.
Claims evidence
We will require the following evidence where relevant:
- A death certificate from your vet (at your expense) or if not available a written statement from an independent witness confirming your pets death.
- A pedigree certificate and receipt for the original purchase of your pet.
- Any other relevant information that we may ask you for.