Kays Silver

Section one - Pet insurance terms and conditions
Changing your mind
We hope you are happy with the cover provided by this policy. You have the right to cancel your policy during a period of 14 days from the day you receive your policy documentation.
If you decide to cancel your policy, please call 0870 242 0224 or write to Littlewoods Shop Direct Pet Insurance, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL. We will then cancel your cover and refund any premium paid subject to no claims being made. You are free to cancel this policy at any time.

Section 8
Claims Procedure
In the event of any possible claim under any sections of this insurance You must notify the claims helpline (see below) as soon as possible and not later than 60 days after any possible Incident likely to result in a claim.
Overseas travel
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. 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.
Telephone claim line: 0870 240 1495. Please note that telephone calls may be monitored or recorded to assist with staff training and for quality control purpose.
Veterinary fees
Upon commencement of Treatment You should telephone the claims helpline and report the possible claim. You will then be sent a claim form for completion by Your Vet. Once this Treatment has been completed the claim form should be returned along with all supporting receipts.
Settlement can be made directly to the Vet after deduction of the excess, such payment discharges Us from all further liability connected with such claim.
We have the right to require further information either directly from the Vet or from You to confirm the validity of the claim at Your expense.
Third party liability
1 You shall not admit or accept liability, negotiate or make any payment or promise of payment without Our written consent.
2 You should immediately contact the claims helpline on the above number and advise them of any possible claim. You will then be given instructions on what to do with any letter, claim, writ or summons.
3 You are required to provide Us with all the information that they may reasonably require.
4 We will have the sole conduct and control of any claim and legal proceeding relating thereto including the right to prosecute in the name of the insured but for Our benefit for any claim, damages or liability.
Death from Accident, and Illness
You must obtain a Veterinary Certificate at Your own expense stating the date and cause of death. In the event that the Pet is put to sleep, (euthanised) You must obtain a Veterinary Certificate stating that this was necessary for humane reasons to terminate incurable suffering.
Advertising and Reward
In the event of the insured Pet being lost, You should telephone the claims helpline immediately and secure the prior approval of Us prior to any expenditure.
Theft and Straying
1 The loss of Dogs should be reported to the Police within 24 hours of disappearance.
2 For Cats and Dogs You should telephone the claims helpline and report the possible loss. A claim form should then be completed if there is no recovery of Your Pet after 45 days.
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.
Boarding kennel/cattery fees
You should obtain at Your own expense receipted bills from the boarding kennel or cattery or from the person responsible for looking after the insured Pet, detailing dates and expenses incurred.
You must also obtain at Your own expense confirmation of the period You or Your family members were in hospital and any additional information requested by Us.
Holiday Cancellation Costs
You should obtain at Your own expense the booking invoice and cancellation invoice from Your travel agent or tour operator. This should detail the total irrevocable charges made and the date of cancellation.

Section 7
Claims conditions
1 If any liability under this Policy is covered by another insurance Policy We will not pay more than Our rateable proportion.

2.1 Veterinary fees cover
We will pay for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for up to 12 months from the occurrence of an accident, illness or disease occurring to the Pet, up to the limit of £1,000 and excess as specified below and subject to written notice of such accident, illness or disease having been given to Us within 60 days of occurrence. The limit of cover and excess are on a per Incident basis.
Exclusions
We will not pay for:
1 a) The first £50 of each and every claim
b) Any Treatment exceeding 12 months after the Incident
2 Veterinary fees in connection with:
a) Any Pre-existing Conditions or illness unless previously agreed by Us.
b) Any illness or Condition arising prior to or within the first 10 days of the inception date of the Policy. (This exclusion is not applicable to renewed policies.)
c) Preventative and elective Treatments, routine examinations and Treatment including but not limited to routine vaccinations, grooming, spaying or castration, whelping or kittening or to any Treatment in connection with pregnancy or giving birth or arising out of these procedures.
d) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
e) Non essential hospitalisation and or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
f) Diet foods, other than for a 4 week period for a specific accident or illness.
g) Dental Treatment except as a result of an accident.
h) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general well-being of any Pet.
i) Any claim for cryptorchidism.
j) Any claim as a result of a 'notifiable' disease. e.g. Rabies
k) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
l) Any charges in respect of disposal, cremation, or burial of Your Pet.
Territorial limits
Your Pet is covered whilst in the United Kingdom, Northern Ireland, Isle of Man, Channel Islands and including Eire but only up to a maximum stay of thirty (30) days during the Period of Insurance. In accordance with the European Economic Community regulations this insurance also extends to cover Your Pet under the PETS Travel Scheme whilst temporarily located in any member country of the PETS Travel Scheme, but only for a maximum stay of thirty (30) days during the Period of Insurance.

2.1 Veterinary fees cover
We will pay for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for up to 12 months from the occurrence of an accident, illness or disease
occurring to the Pet, up to the limit of £1,000.
Policy limits are dependent on the cover selected and excess as specified below and subject to written notice of such accident, illness or disease having been given to Us within 60 days of occurrence. The limit of cover and excess are on a per Incident basis.
Exclusions
We will not pay for:
1 a) The first £50 of each and every claim
b) Any Treatment exceeding exceeding 12 months after the Incident.
d) Any Treatment costs incurred after the Policy has expired
2 Veterinary fees in connection with:
a) Any Pre-existing Conditions or illness unless previously agreed by Us.
b) Any illness or Condition arising prior to or within the first 10 days of the inception date of the Policy. (This exclusion is not applicable to renewed policies.)
c) Preventative and elective Treatments, routine examinations and Treatment including but not limited to routine vaccinations, grooming, spaying or castration, whelping or kittening or to any Treatment in connection with pregnancy or giving birth or arising out of these procedures.
d) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
e) Non essential hospitalisation and or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
f) Diet foods, other than for a 4 week period for a specific accident or illness.
g) Dental Treatment except as a result of an accident.
h) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general well-being of any Pet.
i) Any claim for cryptorchidism.
j) Any claim as a result of a 'notifiable' disease. e.g. Rabies
k) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
l) Any charges in respect of disposal, cremation, or burial of Your Pet.

3.1 Death from illness
We will pay You the purchase price of Your Pet as declared on the statement of insurance, up to a maximum of £150, 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 the Pet, due to illness or disease.
Exclusion
1. Any Pre-existing Condition or illness unless previously agreed by Us
2. Any pet under the age of 8 weeks or once having reached the age of 9 years (for dogs) or 11 years (for cats).

3.2 Death from accident
We will pay You the purchase price of Your Pet as declared on the statement of insurance, up to a maximum of £150, in the event Your Pet dies from accident or in the event of humane destruction, if certified by a Vet as necessary to alleviate incurable and inhumane suffering of the Pet, due to an accident.

3.3 Advertising and Reward
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper and for a suitable reward to be offered for recovery of the Pet (previously agreed with Us) up to a maximum of £150.

3.3 Advertising and Reward
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper and for a suitable reward to be offered for recovery of the Pet (previously agreed with Us) up to a maximum of £150.

3.4 Theft and straying
We will pay You the purchase price of Your Pet as declared on the statement of insurance up to a maximum of £150, in respect of permanent loss due to Your Pet being lost or stolen and after no recovery has been made after 45 days despite advertising and reward.

3.5 Boarding kennel/cattery fees
We will reimburse You for boarding kennel or cattery fees up to a maximum of £150 (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.
Exclusions
We will not pay 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.

3.6 Holiday cancellation costs
We will reimburse You for any non-recoverable cancellation costs up to a maximum limit of £100, (in any one Period of Insurance), in the event that in Your Vet's opinion the Pet named in the schedule requires emergency life saving surgery, within 7 days of Your departure on holiday and this necessitates cancellation or curtailment.
Exclusions
We will not pay for:
1 Non life-saving operations.
2 Any Pre-existing or foreseeable Condition or disease likely to necessitate emergency life saving surgery.
3 Any costs or expenditure for any holiday booked less than 28 days prior to departure.

6.1 Helplines
All policies automatically include access to the following helplines
6.4 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.

6.1 Helplines
All policies automatically include access to the following helplines
6.2 Healthcare away from home
If You and Your Pet are away from home whilst in the United Kingdom, Northern Ireland, Isle of Man, and Channel Islands and Your Pet needs urgent Veterinary care, the Company gives You access to Our helplines so We can identify the nearest Vet for You - Telephone: 0870 240 1495.

6.1 Helplines
All policies automatically include access to the following helplines
6.3 Bereavement counselling
An understanding and 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. Telephone: 0870 1628 153.

6.1 Helplines
All policies automatically include access to the following helplines
6.5 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.