Liverpool Victoria Essential

Section 4 - Death from accident
We will pay you the price you paid for your pet up to a maximum of the declared purchase price amount stated on the Pet Insurance Schedule and Statement or £750, whichever is the lower, if your pet dies (or is put to sleep to prevent suffering) as a result of an accident.collapse

Helplines
You have access to four helplines as below:
Vet search
Telephone 0845 600 4828
Lines are open 8am - 8pm weekdays and 9am - 5pm on Saturdays
If you and your pet are away from home whilst in the United Kingdom and your pet needs veterinary care, we can help you identify the nearest/most suitable vet for you.collapse

Section 9 - Accidental damage
We will pay up to £750 for any liability that you become legally responsible to pay due to accidental damage caused by your pet.
What is not covered
We will not pay:
1. The first £250 of each and every claim.
2. For 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. For damage to property in the ownership of any person entrusted with the care, control or custody of the pet.
4. If you admit any responsibility for the damage before the claim has been reported and considered by us.
Please remember the General Exclusions and General Conditions also apply.collapse

Section 1 - Veterinary fees
What is not covered
We will not pay:
12. For castration due to one or both testes being retained. collapse

Section 1 - Veterinary fees
We will pay up to £5,000 for reasonable and customary charges made for treatment, alternative medicine and complementary medicine, for each condition or recurring condition that occurs during a period of insurance.
Under the Premier policy there is no time limit on reaching the monetary limit.
The maximum payable for each condition or recurring condition will be the veterinary fee limit applicable to the period of insurance when the condition first started.
If two or more claims that are first believed to be separate conditions are later considered to be related or a recurring condition, we will add up the amounts paid to you for these claims and not make any more payments during the life of your pet once the policy limits described above have been reached.
Cover is subject to you:
-whenever possible, advising us of your intention to visit a vet for a condition and the full completion by you and your vet of a claim form, together with all invoices and receipts and required medical history, at your expense
-obtaining our approval prior to your pet receiving any alternative medicine or complementary medicine or going for treatment at a referral veterinary practice/hospital or going for a second vet opinion or for specialist treatment
-informing us of each condition as soon as you become aware of the condition
- paying the first £60 of each claim you make that relates to a different condition.
With your authority we can pay your vet in the United Kingdom directly for any fees for which cover applies.
What is not covered
We will not pay:
3. More than £5,000 for each condition.
4. Any costs incurred unless the condition and treatment both occur in a period of insurance.
5. Any costs incurred for any treatment, alternative medicine or complementary medicine that your pet receives after the policy has lapsed or been cancelled or if your premiums have not been paid up to date.
Definitions
Alternative medicine:
Herbal or homoeopathic medicine recommended by your vet and prescribed by a suitably qualified vet.
Complementary medicine:
Acupuncture, hydrotherapy, osteopathy, physiotherapy and chiropractic therapy recommended by your vet and carried out by a suitably qualified person that has been specifically recommended by your vet.collapse

Section 1 - Veterinary fees
What is not covered
We will not pay:
15. Any costs relating to behavioural problems or for any conditions arising as a result of behavioural problems. collapse