Healthy Pets Insurance Gold

General Conditions
7. If You wish to cancel this policy within 14 days of receipt of the policy documents or the renewal date You may do so by writing to Healthy Pets and returning Your schedule of insurance. Where this happens You will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover, unless You have claimed for the death/loss of Your pet then the annual premium must be paid in full.

Claims Conditions - Applicable to all sections of each policy:
You must comply with the following conditions, to the best of Your knowledge and belief, 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 claim payment.
1. In the event of any possible claim under any sections of this insurance You must notify Healthy Pets as soon as possible and not later than 60 days after any possible Incident likely to result in a claim.
If You do not notify Us within 60 days and this prejudices Our ability to verify the claim then, other than in exceptional circumstances, no payments will be made in respect of the 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:
- Makes a claim under the Policy knowing the claim to be false or fraudulently exaggerated in any respect or
- Makes a statement in support of a claim knowing the statement to be false in any respect or
- Submits a document in support of a claim knowing the document to be forged or false in any respect or
- Makes 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.
- We may inform the police of the circumstances.
- We will not return any premium.
Claims Made Overseas
In the event that Your Pet requires veterinary treatment whilst temporarily in Eire or a Member Country of the PETS Travel Scheme (Non EU countries are excluded), payment of any treatment will be made by You to the Vet whilst You are there.
Upon Your return home You should telephone the claims helpline immediately and report the claim. You will then be sent a claim form for completion and return with all the paid Veterinary receipts. Settlement will then be made to You after the deduction of the Excess in Sterling at the current rate of exchange, such payment discharging Us from all further liability connected with such claim.

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 1:
Veterinary Fees Cover
We will pay You or Your Vet for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident, Illness or Incident occurring to Your Pet, subject to the indemnity
limit of £1,000 (Bronze) or £3,000 (Silver) or £5,000 (Gold) dependent on the cover selected and Excess as specified below and subject to written notice of such Accident, Illness or Incident having been given to
Healthy Pets within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We will pay fees for Alternative Medicine or Complimentary Medicine which the Vet recommends and that are 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 be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
1.
(a) The Excess shown in Your Policy schedule.
(b) Any Treatment after the Policy has cancelled/ lapsed/expired.
2. Veterinary fees in connection with:
(a) Any Pre-existing Conditions or Illness unless previously agreed by Healthy Pets.
(b) Any Illness or condition (not Accident) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.)
(c) Preventative and elective Treatments, routine examinations and Treatment including:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition (giving birth).
(d) Organ transplantation and associated cost.
(e) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
(f) Non-essential hospitalisation and / or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
(g) Prescription foods, other than for a 4 week period for a specific Incident.
(h) The cost of dentistry except as result of an Accident.
(i) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general wellbeing of Your Pet.
(j) Any claim for cryptorchism (Retained testicle(s)).
(k) Any claim as a result of a notifiable disease e.g. Rabies.
(l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
Any charges in respect of disposal, cremation, or burial of Your Pet.
(m) The repair and treatment of umbilical hernias.
(n) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Healthy Pets.

Section 1:
Veterinary Fees Cover
We will pay You or Your Vet for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident, Illness or Incident occurring to Your Pet, subject to the indemnity
limit of £1,000 (Bronze) or £3,000 (Silver) or £5,000 (Gold) dependent on the cover selected and Excess as specified below and subject to written notice of such Accident, Illness or Incident having been given to
Healthy Pets within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We will pay fees for Alternative Medicine or Complimentary Medicine which the Vet recommends and that are 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 be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
1.
(a) The Excess shown in Your Policy schedule.
(b) Any Treatment after the Policy has cancelled/ lapsed/expired.
2. Veterinary fees in connection with:
(a) Any Pre-existing Conditions or Illness unless previously agreed by Healthy Pets.
(b) Any Illness or condition (not Accident) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.)
(c) Preventative and elective Treatments, routine examinations and Treatment including:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition (giving birth).
(d) Organ transplantation and associated cost.
(e) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
(f) Non-essential hospitalisation and / or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
(g) Prescription foods, other than for a 4 week period for a specific Incident.
(h) The cost of dentistry except as result of an Accident.
(i) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general wellbeing of Your Pet.
(j) Any claim for cryptorchism (Retained testicle(s)).
(k) Any claim as a result of a 'notifiable' disease e.g. Rabies.
(l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
Any charges in respect of disposal, cremation, or burial of Your Pet.
(m) The repair and treatment of umbilical hernias.
(n) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Healthy Pets.

Section 1:
Veterinary Fees Cover
We will pay You or Your Vet for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident, Illness or Incident occurring to Your Pet, subject to the indemnity
limit of £1,000 (Bronze) or £3,000 (Silver) or £5,000 (Gold) dependent on the cover selected and Excess as specified below and subject to written notice of such Accident, Illness or Incident having been given to
Healthy Pets within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We will pay fees for Alternative Medicine or Complimentary Medicine which the Vet recommends and that are 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 be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
2. Veterinary fees in connection with:
(h) The cost of dentistry except as result of an Accident.

Section 1:
Veterinary Fees Cover
We will pay You or Your Vet for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for an Accident, Illness or Incident occurring to Your Pet, subject to the indemnity
limit of £1,000 (Bronze) or £3,000 (Silver) or £5,000 (Gold) dependent on the cover selected and Excess as specified below and subject to written notice of such Accident, Illness or Incident having been given to
Healthy Pets within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis.
Cover remains in place for each Incident until the Policy limit is reached subject to the payment of relevant premiums.
We will pay fees for Alternative Medicine or Complimentary Medicine which the Vet recommends and that are 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 be liable for:
(Please refer to Your current Policy schedule to establish the Excess applicable.)
2. Veterinary fees in connection with:
(n) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Healthy Pets.

6 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.

Section 3:
Death from Illness
This section does not apply in the case of Dogs that are 9 or more years old and cats that are 11 or more years old.
1. We will pay You up to the purchase price, or up to a maximum of £250 (Silver) or £750 (Gold) whichever the lesser dependent on the cover selected, in the event Your Pet dies from Illness or disease, 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.
2. If no purchase receipt can be produced, We will pay the replacement cost of a similar Pet up to the above stated maximum limits of indemnity, dependent on the cover selected.

Section 4:
Death from Accident
1. We will pay You up to the purchase price, or up to a maximum of £250 (Silver) or £750 (Gold) whichever the lesser 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 necessary to alleviate incurable and inhumane suffering of the Pet, due to Accident.
2. If no purchase receipt can be produced, We will pay the replacement cost of a similar Pet up to the above stated maximum limits of indemnity, dependent on the cover selected.

Section 5:
Advertising and Reward
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper or other approved expenditure and for a suitable reward to be offered for recovery of Your Pet (previously agreed by Us) up to a
maximum of £250 for Silver and £750 for Gold.

Section 5:
Advertising and Reward
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper or other approved expenditure and for a suitable reward to be offered for recovery of Your Pet (previously agreed by Us) up to a
maximum of £250 for Silver and £750 for Gold.

Section 6:
Theft and Straying
1. We will pay You up to the purchase price or a maximum of £250 for Silver and £750 for Gold, whichever is the lesser in respect of permanent loss due to Your Pet being lost or stolen and after no recovery has been made after 45 days despite reasonable and appropriate endeavours including advertising and reward.
2. If no purchase receipt can be produced We will pay the replacement cost of a similar Pet up to the above stated maximum limits of indemnity, dependent on the cover selected.

Section 7: Boarding Kennel Fees
We will reimburse You for boarding kennel or cattery fees, in a licensed boarding establishment, up to a maximum of £1,000, (in any one Period of insurance) in the event that You or a member of Your family permanently residing with You, is hospitalised on medical advice for a period exceeding 4 days.
As well as the General Conditions applying to all Sections the following exclusions apply:
Exclusions:
We will not be liable for:
1. Hospitalisation of You or any member of Your family permanently residing with you as a result of pregnancy.
2. Any known medical condition likely to give rise to hospitalisation at the inception date of this insurance.

Section 8:
Holiday Cancellation Costs
We will reimburse You for any non-recoverable cancellation and curtailment costs/expenditure up to a maximum limit of £250 for Silver or £2,000 for Gold, (in any one Period of Insurance), in the event that in Your
Vet's opinion Your Pet named in the schedule requires emergency life saving surgery, within 7 days of Your departure on holiday and this necessitates, in Your Vets opinion, cancellation or curtailment.
Exclusions:
We will not be liable for:
1. Non life-saving operations.
2. Any Pre-existing Condition or Illness likely to necessitate emergency life saving surgery.
3. Any costs or expenditure for any holiday booked less than 28 days prior to departure.

Section 9:
Accidental Damage
We will compensate third parties for any accidental property damage up to a maximum of £500 per Incident caused by Your Pet named in the schedule.
Exclusions:
We will not be liable for:
1. The first £100 of each and every claim.
2. Damage to property in the ownership, custody or control of You or Your family or household or any person employed by members of Your household.
3. Damage to property in the ownership of any person entrusted with the care, control and custody of Your Pet.

Pet Legal
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.
Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year.)

Vet Finder:
If You or 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, Healthy Pets gives you access to our help lines so we can identify the nearest Vet for You.
Telephone 0870 240 1495
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays.)

Bereavement Counselling
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
is available 24 hours a day, 365 days a year.
Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year.)

Pet Minders
This enables You to locate a registered pet minder (on a national basis) for either a few minutes or indeed weeks, in order to look after Your Pet while You are away.
Telephone 0870 240 1495
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays.)

Section 4:
Death from Accident
1. We will pay You up to the purchase price, or up to a maximum of £250 (Silver) or £750 (Gold) whichever the lesser 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 necessary to alleviate incurable and inhumane suffering of the Pet, due to Accident.
2. If no purchase receipt can be produced, We will pay the replacement cost of a similar Pet up to the above stated maximum limits of indemnity, dependent on the cover selected.