Halifax Pet Insurance

Cancellation period:
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 that may give rise to a claim(s) 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.
1. In the event of any possible claim under any sections of this insurance You must notify Halifax Pet Insurance as soon as possible and not later than 60 days after any possible Incident likely to result in a claim.
Telephone: 0845 850 0268. If You do not contact Us within 60 days of the Incident and this prejudices Our ability to verify the claim then, other than in exceptional circumstances, We will be unable to deal with Your claim.
2. If any liability under this insurance is covered by any other insurance Policy We will not pay more than Our rateable proportion.
3. 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.
4. 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 or,
- Make a statement in support of a claim knowing the statement to be false in any respect or,
- Submit a document in support of a claim knowing the document to be forged or false in any respect or,
- 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.

How to claim
General
1. We are unable to guarantee a claim over the telephone but please phone 0845 850 0268 as soon as possible to tell Us that You need to claim. You do not need to contact Us before any Treatment begins. We will require Your Policy number when You call so please have this ready.
Please note that calls may be monitored or recorded to assist with training and for quality control purposes.
2. We will send You a claim form. Ask Your Vet to fill in the claim form as soon as You can and collect any extra documents and supporting information We ask for.
3. Halifax Pet Insurance 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.
4. Send Your claim form and supporting documents to:
Halifax Pet Insurance Claims Department
5th Floor
The Connect Centre
Kingston Crescent
Portsmouth
Hants
PO2 8QL
5. We will pay Your claim if the claim form is correct and complete:
- When We have all the information We need to support the claim.
- When We are sure that the claim is valid.
- When any legal action or other action has been settled.
6. If it is more convenient and Your Vet agrees, We can pay claims directly to Your Vet, after deductions. You can tell Us to do this when You make a claim. We will not pay veterinary fees directly to anyone who is not a Vet.
Other Procedures For Each Type Of Claim
Section 1 - Veterinary Fees
1. When You pay Your Vet for Treatment of an Injury or Illness which is covered by this Policy keep the receipts.
2. When the Treatment is over, send Your claim form and receipts to Us.
3. The claim form must be returned within 60 days of the start of the Treatment or by the end of the Period of Insurance, whichever is the sooner.
4. An interim claim can be submitted.
5. Claims for Alternative or Complementary Medicine must be approved by the Halifax Pet Insurance before the commencement of the Treatment.
Section 2 - If Your dog Injures Someone or Damages Their Property/Third Party Liability
Contact Us and wait for written instructions from Us. Do not:
- Admit to anyone that Your dog was at fault.
- Offer to make a payment to anybody.
- Give anybody information or anything that could help them claim against You.
- Answer letters from people who may claim against You, or who are acting for people who may claim against You.
Section 3 - Death of Your Pet
Send the claim form to Us as soon as possible after Your Pet dies, along with the purchase receipt and pedigree certificate (if applicable). You must also obtain a veterinary certificate stating the cause of death.
Sections 4 & 5 - Theft, Straying, Advertising and Reward
1. You must notify Your local police station within 48 hours of the theft or loss (Dogs only). Ask for Our approval before You advertise or try other methods of finding Your Pet. Notify Us if Your Pet has not been recovered after 45 days and send in the purchase receipt and pedigree certificate (if applicable) together with any receipts for advertising costs. A police incident/crime reference number must be obtained by You and supplied to Halifax Pet Insurance.
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.
Section 6 - Boarding Kennel Fees (If You Have To Go Into Hospital)
When You leave hospital, obtain a medical certificate and send Us the medical certificate and the receipt from the boarding kennels/cattery and a covering letter.
Section 7 - Holiday Cancellation / Curtailment
Send Us receipts for the expenses You are claiming, and a letter explaining when and why You had to pay each expense.
Section 8 - Overseas Travel Cover Claim Procedure
1. In the event that Your Pet requires veterinary Treatment whilst temporarily in Eire or a Member Country of the PETS Travel Scheme, payment of any Treatment will be made by You to the Vet whilst You are there.
2. Upon return home You should telephone the Halifax Pet Insurance immediately and report the claim 0845 850 0268. The Halifax Pet Insurance will forward You a claim form for completion and return.
3. This form must be returned complete with all paid veterinary receipts. Settlement of eligible claims will be made to You, after any applicable deductions have been made, in sterling at the current rate of exchange, such payments discharging Us from all further liability connected with such claim.
Section 9- Accidental damage
1 You should call the claims helpline immediately You are aware of any circumstances likely to give rise to a property damage claim. A claim form will be sent to You which should be completed detailing the exact circumstances of the claim including the description of the articles damaged and their purchase price if known.
2 You should not admit any responsibility for the damage until the claim has been reported and considered by Us.

Claims Conditions
2. If any liability under this insurance is covered by any other insurance Policy We will not pay more than Our rateable proportion.

Section 8 - Overseas Travel / Territorial Limits
1. Your pet is covered whilst in the United Kingdom, Northern Ireland, Isle of Man and the Channel Islands
2. In accordance with the European Economic Community regulations, provided that You comply with the PETS Travel Scheme, this insurance also extends to cover Your Pet for 12 months in any Period of Insurance under this scheme whilst temporarily located in any member country of the PETS Travel Scheme (Excluding Non EU / Long Haul Countries as defined by DEFRA) for overseas travel.

Section 1 - Veterinary Fees
We will pay
8. Dental Treatment to relieve suffering due to Illness, provided the Pet has been insured under this Policy for at least 2 years, no dental Treatment has been recommended during this time and there is a history of regular routine check-ups.
9. Fees for dental Treatment as a result of an Accident.
We will not pay (The general conditions and exclusions also apply)
1. The first £50 of each unrelated Injury or Illness treated per Period of Insurance.
12. Dental Treatment, except as a direct result of an Accident.
19. Fees for dental Treatment to relieve suffering due to Illness, unless the Pet has been insured under this Policy for at least 2 years, no dental Treatment has been recommended during this time and there is a history of regular routine check-ups.
20. Fees for Treatment for deciduous teeth if Your Pet is over 16 weeks of age at the inception of the Policy.

Section 1 - Veterinary Fees
We will pay
3. Subject to approval the cost of Treatment for behavioural problems carried out by a member of a professional organization acting under the direction of a Vet up to the maximum benefit of £200 per Period of Insurance.

Section 1 - Veterinary Fees
We will pay
4. The cost of a clinical diet for Your pet, as long as it is recommended by Your Vet. We will pay the cost for the clinical diet after deduction of Your Pets normal feeding costs.
We will not pay (The general conditions and exclusions also apply)
1. The first £50 of each unrelated Injury or Illness treated per Period of Insurance.
4. A clinical diet that is only prescribed to help Your Pet lose weight.

Section 1 - Veterinary Fees
We will pay
2. Fees for any Alternative or Complementary Medicine which the Vet recommends and as approved by Halifax Pet Insurance, including a limited number of sessions of hydrotherapy provided by hydrotherapy pool operators who are members of the CHA (Canine Hydrotherapy Association).
We will not pay (The general conditions and exclusions also apply)
1. The first £50 of each unrelated Injury or Illness treated per Period of Insurance.
5. Fees for unapproved Alternative or Complementary Medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage and faith healing.)

Section 1 - Veterinary Fees
We will pay
2. Fees for any Alternative or Complementary Medicine which the Vet recommends and as approved by Halifax Pet Insurance, including a limited number of sessions of hydrotherapy provided by hydrotherapy pool operators who are members of the CHA (Canine Hydrotherapy Association).
We will not pay (The general conditions and exclusions also apply)
1. The first £50 of each unrelated Injury or Illness treated per Period of Insurance.
5. Fees for unapproved Alternative or Complementary Medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage and faith healing.)

We have received verification from the Insurer's that cover is provided on this basis:-
"we only consider a condition to be pre-existing IF the condition is evident to the policyholder prior to the inception date of the policy".

Section 1 - Veterinary Fees
We will pay
5. Fees for putting Your Pet to sleep as long as it is recommended by Your Vet.

8 weeks.
General Exclusions
Applicable to all sections of this policy
We will not pay for claims arising directly or indirectly from:
2. Your Pet being under the age of 8 weeks when You take out the Policy. (There is no maximum pet age limit).

Section 1 - Veterinary Fees
We will pay
6. The cost of cremation and burial up to the maximum benefit of £100 if Your Pet dies or has to be put to sleep by a Vet as a result of an Accident or Illness covered by the Policy.

Section 3 - Death of Your Pet
We will pay
1. The price You paid for Your Pet as declared on the statement of insurance up to the purchase price of Your Pet subject to a maximum of £500 under Halifax Pet Insurance if Your Pet dies because of an Illness, Injury, Accident, 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 during the Period of Insurance.
We will not pay (The general conditions and exclusions also apply)
1. 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.
2. If Your Pet is put to sleep due to aggression unless this can be attributed to a medical condition.
3. If Your Pet dies from an Illness or disease which arises or first shows clinical signs or symptoms within 10 days or prior to You taking out this Policy.

Section 3 - Death of Your Pet
We will pay
1. The price You paid for Your Pet as declared on the statement of insurance up to the purchase price of Your Pet subject to a maximum of £500 under Halifax Pet Insurance if Your Pet dies because of an Illness, Injury, Accident, 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 during the Period of Insurance.
We will not pay (The general conditions and exclusions also apply)
1. 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.
2. If Your Pet is put to sleep due to aggression unless this can be attributed to a medical condition.
3. If Your Pet dies from an Illness or disease which arises or first shows clinical signs or symptoms within 10 days or prior to You taking out this Policy.

Section 5 - Advertising and reward
We will pay
If You try to find Your Pet after it is lost, stolen or strays, We will pay You up to £500 (£250 reward costs) under Halifax Pet Insurance 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.
We will not pay (The general conditions and exclusions also apply)
1. Back the money You spend trying to find Your Pet if We have not agreed to the way You are doing this.
2. Any reward to a person living with You.

Section 5 - Advertising and reward
We will pay
If You try to find Your Pet after it is lost, stolen or strays, We will pay You up to £500 (£250 reward costs) under Halifax Pet Insurance 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.
We will not pay (The general conditions and exclusions also apply)
1. Back the money You spend trying to find Your Pet if We have not agreed to the way You are doing this.
2. Any reward to a person living with You.

Section 4 - Theft or straying
We will pay (The general conditions and exclusions also apply)
We will pay the price You paid for Your Pet as declared on the application form up to a maximum of £500 under Halifax Pet Insurance if during the Period of Insurance Your Pet is lost, stolen or strays 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.

Section 6 - Boarding Kennel Fees (If you have to go in to hospital)
We will pay
We will pay kennel fees for Your Pet Up to a maximum of £500 under Halifax Pet Insurance if during the Period of Insurance:
1. You are ill or injured and have to go into hospital for more than 48 hours.
2. Your Pet stays in a licensed kennel/cattery while You are in hospital.
We will not pay (The general conditions and exclusions also apply)
1. If You have to go into hospital more than once for the same Illness or Injury, We will not pay more than £500 under Halifax Pet Insurance in total.
2. Kennel fees incurred as a result of the hospitalisation of anyone other than You the policyholder.
3. Kennel fees incurred as a result of hospitalisation required due to pregnancy or giving birth, drug abuse, attempted suicide
4. Any known medical condition likely to give rise to hospitalisation at the start of cover.
5. Transportation costs for You and Your Pet to and from the boarding kennel/cattery establishment.

Section 7 - Holiday Cancellation / Curtailment
We will pay
We will pay You up to £1,000 under Halifax Pet Insurance if during the Period of Insurance:
1. You cancel Your holiday or come home early because Your Vet believes Your Pet needs lifesaving surgery.
2. You cancel Your holiday less than 7 days before You were due to leave.
3. You can not get these expenses back from anywhere else, for example, from travel insurance.
We will not pay (The general conditions and exclusions also apply)
1. These costs for anyone else, who is on holiday with You.
2. If You cancel Your holiday or come home early because Your Pet needs surgery which is not life-saving.
3. If You booked Your holiday less than 28 days before You were due to leave.
4. If You cancel Your holiday or come home early as a result of any Pre-existing or foreseeable condition or disease likely to necessitate emergency Treatment.
5. 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 pay
- Up to £500 under Halifax Pet Insurance for any liability that You become legally responsible to pay due to accidental damage caused by Your Pet.
We will not pay
- The first £100 of each and every claim.
- Damage to property in the ownership, custody or control of You, Your family, household or any person employed by members of Your household or any person
entrusted with the care, control and custody of Your Pet.

HELPLINES
All policies automatically include access to the following helplines:
Pet Legal - Telephone 0870 162 8153
(Lines open 24 hours a day, 365 days a year)
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.

HELPLINES
All policies automatically include access to the following helplines:
Healthcare away from Home - Telephone 0845 850 0268
(Lines open 8.00am to 8.00pm weekdays and 9.00am to 5.00pm on Saturdays)
If You and Your Dog are away from home whilst in the United Kingdom, Northern Ireland, Isle of Man and Channel Islands and Your Pet needs urgent veterinary care, You have access to a helpline so You can identify the nearest Vet for You.

HELPLINES
All policies automatically include access to the following helplines:
Bereavement Counselling Telephone 0870 162 8153
(Lines open 24 hours a day, 365 days a year)
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 - available 24 hours a day, 365 days a year.

HELPLINES
All policies automatically include access to the following helplines:
Pet Minders - Telephone 0845 850 0268
(Lines open 8.00am to 8.00pm weekdays and 9.00am to 5.00pm on Saturdays)
This enables You to locate a registered Dog Minder (on a National basis) for either a few minutes or indeed weeks, in order to look after Your Dog whilst You are away.