Section 1 - Veterinary fees We will pay up to £5,000 for reasonable and customary charges made for treatment, alternative medicine and complementary...
expandSection 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.
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