Liverpool Victoria Essential

Cancellation
When you receive your Policy, you have 14 days in which to consider the cover provided. lf the cover does not meet your requirements, you have the right to cancel the Policy and receive a full refund. You will need to return all your documents to us within 14 days of receipt. Refunds will be made within 30 days of receipt of your request to cancel. lf you wish to terminate the contract after this 14 day period, please contact us.

General conditions
You must comply with and agree to the following conditions to have the full protection of your policy. If you do not follow these conditions we may at our option cancel your policy or refuse to deal with your claim or reduce the amount of any claim payment.
6. You must provide and pay for all information, documents and help that we need; including vet certificates and records, details of any other relevant insurance that may apply, and supporting evidence of any claim and the circumstances around the claim.

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 Essential policy, payments will be made for a maximum period of 12 months starting on the first date of treatment.
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:
1. The first £60 of each and every claim for a separate condition.
2. Any amount for charges incurred after 12 months from the start of treatment for a condition under the Essential policy.
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.
6. For anything related to a pre-existing condition.
7. For any condition or incident arising before or within the first 14 days of the start date of the policy as shown in your Pet Insurance Schedule and Statement. In addition, any claims that are in any way related to an incident or condition that arises during the first 14 days of the policy will not be covered. (This exclusion is not applicable to renewed policies.)
8. For any preventative or non-essential treatment, prescribed general health supplements, routine examinations or tests, bathing or dematting.
9. The cost of routine or investigative tests or diagnostic procedures, unless these are being undertaken specifically to diagnose a condition due to specific existing symptoms or clinical signs and where such a diagnosis will potentially alter the course of treatment.
10. For any treatment costs that as a responsible pet owner you would expect to pay, such as (but not limited to) vaccinations, flea treatment, wormers, nail clipping, spaying or castration.
11. For spaying to prevent the recurrence of false pregnancy and/or mammary tumours.
12. For castration due to one or both testes being retained.
13. For any treatment connected with pregnancy or giving birth.
14. For the treatment of umbilical hernias.
15. Any costs relating to behavioural problems or for any conditions arising as a result of behavioural problems.
16. For hospitalisation, out-of-hours treatment or house calls unless the vet can confirm that it was absolutely essential and that not taking such action would have seriously worsened your pets condition.
17. For any food, even if this has been prescribed to treat a condition, unless it can be proved that the food is being used instead of an alternative form of medication.
18. For any treatment relating to the teeth or gums except:
-as a direct result of an accident
-the removal of first teeth after your pet is more than six months of age and provided your pet was insured with us before it was 16 weeks of age.
19. For any condition or treatment that occurs because of tooth or gum disease.
20. The cost of having your pet put to sleep (euthanasia), cremated, buried or for disposing of your pets remains.
21. Any post mortem costs.
22. The cost of any analysis (including biopsies or histology tests) on any type of lump or other part of your pet that has been removed, unless your vet can confirm that he/she needs to know the results of the analysis in order to know how to continue treatment of your pet.
23. For any form of housing (such as a cage or basket) or bedding.
24. For any referral, second opinion or specialist treatment or fees, unless you have told us prior to going for any treatment and we have agreed to pay for it.
25. If a claim form has not been received by us within 3 months of your pets first treatment for the condition.
Please remember the General Exclusions and General Conditions also apply.

Definitions state:-
Territorial Limits:
Your pet is covered under all policy sections whilst in the United Kingdom.
In addition, provided you comply with all the Pet Travel Scheme (PETS) regulations and requirements that apply both in the United Kingdom and the country to which you are travelling, this insurance also extends to cover your pet whilst temporarily located in any member country of the Pet Travel Scheme (PETS) excluding non EU listed countries as defined by the government Department of Environment Food and Rural Affairs (DEFRA).

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 Essential policy, payments will be made for a maximum period of 12 months starting on the first date of treatment.
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:
1. The first £60 of each and every claim for a separate condition.
2. Any amount for charges incurred after 12 months from the start of treatment for a condition under the Essential policy.
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.
6. For anything related to a pre-existing condition.
7. For any condition or incident arising before or within the first 14 days of the start date of the policy as shown in your Pet Insurance Schedule and Statement. In addition, any claims that are in any way related to an incident or condition that arises during the first 14 days of the policy will not be covered. (This exclusion is not applicable to renewed policies.)
8. For any preventative or non-essential treatment, prescribed general health supplements, routine examinations or tests, bathing or dematting.
9. The cost of routine or investigative tests or diagnostic procedures, unless these are being undertaken specifically to diagnose a condition due to specific existing symptoms or clinical signs and where such a diagnosis will potentially alter the course of treatment.
10. For any treatment costs that as a responsible pet owner you would expect to pay, such as (but not limited to) vaccinations, flea treatment, wormers, nail clipping, spaying or castration.
11. For spaying to prevent the recurrence of false pregnancy and/or mammary tumours.
12. For castration due to one or both testes being retained.
13. For any treatment connected with pregnancy or giving birth.
14. For the treatment of umbilical hernias.
15. Any costs relating to behavioural problems or for any conditions arising as a result of behavioural problems.
16. For hospitalisation, out-of-hours treatment or house calls unless the vet can confirm that it was absolutely essential and that not taking such action would have seriously worsened your pets condition.
17. For any food, even if this has been prescribed to treat a condition, unless it can be proved that the food is being used instead of an alternative form of medication.
18. For any treatment relating to the teeth or gums except:
-as a direct result of an accident
-the removal of first teeth after your pet is more than six months of age and provided your pet was insured with us before it was 16 weeks of age.
19. For any condition or treatment that occurs because of tooth or gum disease.
20. The cost of having your pet put to sleep (euthanasia), cremated, buried or for disposing of your pets remains.
21. Any post mortem costs.
22. The cost of any analysis (including biopsies or histology tests) on any type of lump or other part of your pet that has been removed, unless your vet can confirm that he/she needs to know the results of the analysis in order to know how to continue treatment of your pet.
23. For any form of housing (such as a cage or basket) or bedding.
24. For any referral, second opinion or specialist treatment or fees, unless you have told us prior to going for any treatment and we have agreed to pay for it.
25. If a claim form has not been received by us within 3 months of your pets first treatment for the condition.
Please remember the General Exclusions and General Conditions also apply.

Section 1 - Veterinary fees
What is not covered
We will not pay:
18. For any treatment relating to the teeth or gums except:
-as a direct result of an accident
-the removal of first teeth after your pet is more than six months of age and provided your pet was insured with us before it was 16 weeks of age.
19. For any condition or treatment that occurs because of tooth or gum disease.

Section 1 - Veterinary fees
What is not covered
We will not pay:
17. For any food, even if this has been prescribed to treat a condition, unless it can be proved that the food is being used instead of an alternative form of medication.

Section 1 - Veterinary fees
What is not covered
We will not pay:
7. For any condition or incident arising before or within the first 14 days of the start date of the policy as shown in your Pet Insurance Schedule and Statement. In addition, any claims that are in any way related to an incident or condition that arises during the first 14 days of the policy will not be covered. (This exclusion is not applicable to renewed policies.)

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:
1. The first £60 of each and every claim for a separate condition.
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 state:-
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.

Section 10 - Overseas Travel
All benefits under this section are dependent on full compliance with the Pet Travel Scheme (PETS). Full documentary evidence of compliance with the scheme as well as evidence of expenditure and the necessity to claim will be required for any claim to be considered.
Repeat tick and worming treatment
We will pay up to £1,000 in any period of insurance towards costs incurred in getting repeat tick and worming treatment where this becomes necessary because your carrier delays your departure back to the United Kingdom.
What is not covered
We will not pay:
1. For any costs involved in getting the first tick and worming treatment.
2. For any costs if the tick and worming treatment was not necessary under the Pet Travel Scheme (PETS).
3. If the original tick and worming treatment was not carried out or was not carried out in the timescale needed under the Pet Travel Scheme (PETS). Documentary evidence that this was done will be required.
Please remember the General Exclusions and General Conditions also apply.

Section 3 - Death from illness
This cover is only applicable to dogs under 9 years of age and to cats under 11 years of age.
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 a condition covered under the terms of the Veterinary fees section of the policy.
What is not covered
We will not pay:
1. For death arising from any pre-existing condition.
2. Once your pet has reached the age of 9 years of age for dogs and 11 years of age for cats.
3. If you are unable to provide us with evidence of the price you purchased your pet for.
Please remember the General Exclusions and General Conditions also apply.

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.
What is not covered
We will not pay:
1. For death arising from any pre-existing condition.
2. If you are unable to provide us with evidence of the price you purchased your pet for.
3. Without a certificate from your vet specifying the cause of death if your dog is more than 8 years old or your cat is more than 10 years old.
Please remember the General Exclusions and General Conditions also apply.

Section 5 - Advertising and reward
If your pet is lost or stolen we will reimburse you up to £750 for expenses you incur and we agree are reasonable in trying to get your pet back.
What is not covered
We will not pay:
1. Any reward to anyone living with you.
2. Any costs unless we have agreed to them prior to you incurring them.
3. Unless you have a receipt with the full name, address and signature of the person who found your pet and the amount you have paid them.
Please remember the General Exclusions and General Conditions also apply.

Section 5 - Advertising and reward
If your pet is lost or stolen we will reimburse you up to £750 for expenses you incur and we agree are reasonable in trying to get your pet back.
What is not covered
We will not pay:
1. Any reward to anyone living with you.
2. Any costs unless we have agreed to them prior to you incurring them.
3. Unless you have a receipt with the full name, address and signature of the person who found your pet and the amount you have paid them.
Please remember the General Exclusions and General Conditions also apply.

Section 6 - Theft and straying
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 goes missing or is stolen and after 45 days has not been located by you.
If your pet is subsequently found you must pay back to us the amount we have paid under this section of cover.
What is not covered
We will not pay:
1. If you do not report to the police and obtain a police incident/crime reference number (that can be verified by us) that your dog has gone missing, within two days of your dogs disappearance.
2. If you do not inform your vet and local rescue centres (and can provide evidence of having done so) that your cat has gone missing, within 10 days of your cats disappearance.
Please remember the General Exclusions and General Conditions also apply.

Section 7 - Boarding fees if you have to go into hospital
We will pay you up to £750 in any period of insurance for costs you incur to have your pet looked after by a licensed boarding kennel, cattery or pet minding service, for the period you are in hospital if this is more than four days in a row.
We will also pay on the same basis as above, if rather than you it is a member of your family permanently residing with you who has to go into hospital for more than four days in a row, provided that you are able to provide evidence that as a direct result of their hospitalisation you are unable to adequately care for your pet.
What is not covered
We will not pay:
1. For any fees that you incur as a result of hospitalisation that you were aware was likely to be needed on the start date of insurance.
2. For any fees as a result of a hospital stay that is not on the advice of a doctor, specialist or consultant.
3. For fees if your pet is being looked after as a result you or a member of your family receiving any nursing home care, convalescence care, treatment for addictions or any other care that is not received in a hospital.
4. Unless you can provide written confirmation from the doctor or the hospital treating you or the member of your family of the dates of the hospital stay (this will usually be a medical certificate that can be obtained when leaving the hospital) and the condition/symptoms that led to this and adequate evidence of the expenses and dates of your pet being looked after.
Please remember the General Exclusions and General Conditions also apply.

Section 8 - Holiday cancellation or curtailment
We will pay you up to £1,000 in any period of insurance for any holiday costs you are unable to get back from anywhere else if you have to cancel or cut short a holiday because:
- in the opinion of your vet, your pet requires emergency life saving treatment (i.e. treatment without which your pet would die) whilst you are away or within seven days of you going on holiday; or
- your pet goes missing while you are away or in the seven-day period before you go away.
What is not covered
We will not pay:
1. For any claim resulting from any pre-existing condition or condition that you were aware of before booking or going on your holiday unless it could not reasonably be expected to deteriorate.
2. For any claim if earlier treatment could have avoided the necessity for life saving emergency treatment.
Please remember the General Exclusions and General Conditions also apply.

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.

Helplines
You have access to four helplines as below:
Pet legal
Telephone 0870 162 8153
Lines are 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.

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.

Helplines
You have access to four helplines as below:
Pet Bereavement/Illness counselling
Telephone 0870 162 8153
Lines are open 24 hours a day, 365 days a year
An understanding, confidential and professional service enabling you to talk about the death or illness of your pet; with help and advice available to address the symptoms brought about by bereavement.

Helplines
You have access to four helplines as below:
Pet minders
Telephone 0845 600 4828
Lines are open 8am - 8pm weekdays and 9am - 5pm on Saturdays.
This enables you to locate a registered pet minder (on a national basis) to look after your pet while you are away either for a few hours or weeks.

Section 10 - Overseas Travel
All benefits under this section are dependent on full compliance with the Pet Travel Scheme (PETS). Full documentary evidence of compliance with the scheme as well as evidence of expenditure and the necessity to claim will be required for any claim to be considered.
Emergency expenses abroad
We will pay up to £750 in total on each trip overseas towards reasonable emergency expenses you incur in certain specified scenarios. The scenarios and cover provided are:
- Additional accommodation and fees incurred by you to get back to the United Kingdom should your pet require emergency veterinary treatment which results in you missing your return travel back to the United Kingdom.
- Additional accommodation and transportation costs incurred by you following your pet becoming lost during a trip overseas whilst you try to find your pet before your due return date to the United Kingdom.
- Additional accommodation and transportation costs incurred by you for up to 4 days should your pet become lost or stray in the 3 days immediately before your scheduled return journey to the United Kingdom and you decide to stay overseas specifically to try to find your pet.
- Additional accommodation expenses and other expenses incurred to get you and your pet home if you miss your departure to the United Kingdom as a direct result of losing your pets Health Certificate/Pet Passport.
For all the scenarios above please record all dates, any investigation undertaken before incurring expenses, and keep all documents and receipts to help support any claim.
What is not covered
We will not pay:
1. For any expenses or losses incurred for anyone other than you, except children under the age of 18 years where you are the only adult travelling with them.
2. If you do not notify the police or relevant transport operator or available animal care services, as applicable, within 24 hours of the event leading to the need to incur emergency expenses; and in the instance of your pet becoming lost, following the reasonable suggestions of the local police/re-homing centres/veterinary centres (as appropriate), for finding your pet. Documentary evidence of this may be required before a claim can be paid.
3. For any accommodation or transportation fees where we consider the expense to be unreasonable (an example might be where an adequate two star accommodation was available yet a five star accommodation was taken).
Please remember the General Exclusions and General Conditions also apply.

Section 10 - Overseas Travel
All benefits under this section are dependent on full compliance with the Pet Travel Scheme (PETS). Full documentary evidence of compliance with the scheme as well as evidence of expenditure and the necessity to claim will be required for any claim to be considered.
Quarantine costs
We will pay up to £1,500 in any period of insurance towards:
1. Quarantine kennelling costs and costs incurred in obtaining a replacement Health Certificate /Pet Passport for your pet should a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fail.
2. Quarantine kennelling costs if, despite compliance with all the relevant regulations, your pet has to go into quarantine due to illness.
What is not covered
We will not pay:
1. Any costs if the microchip was not checked and found to be working properly within 30 days of your departure on a trip overseas, evidence of which will need to be provided to us before any claim payment can be made.
2. Any costs as a result of a condition that you were aware of before the start of your trip or where it can be established that your pet was suffering from a condition that is directly or indirectly linked to the reason your pet has to go into quarantine before your departure on a trip.
Please remember the General Exclusions and General Conditions also apply.

Section 10 - Overseas Travel
All benefits under this section are dependent on full compliance with the Pet Travel Scheme (PETS). Full documentary evidence of compliance with the scheme as well as evidence of expenditure and the necessity to claim will be required for any claim to be considered.
Loss of PETS Certificate/Pet Passport
We will pay up to £250 in any period of insurance for the cost of a replacement Health Certificate/Pet Passport should the original become lost during your trip.
This includes any quarantine costs incurred as a direct result of such loss.
What is not covered
We will not pay:
1. Any claim if the loss of the Health Certificate/Pet Passport was not reported to the issuing vet within 24 hours of discovery and you can provide evidence that this was done.
2. Any claim where the loss of the Health Certificate / Pet Passport was established before you left your country of residence.