M&S Premier

8 weeks
General exclusions
1 We will not pay for claims under any section of this insurance that are caused by, connected to or result from:
- your pet being under 8 weeks of age.
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Section 11 - Emergency expenses abroad
(This section only applies if you have Premier cover)
What we will pay
1 If your pet needs emergency veterinary treatment as a result of;
an injury that happens or an illness that first shows clinical signs during a holiday in the period of insurance, we will pay up to £2,000 towards;
- emergency veterinary treatment.collapse

Section 5 - Death from injury
What we will pay
If your pet dies or is put to sleep in the United Kingdom, Isle of Man or Channel Islands by a vet as a result of an injury that happens during the period of insurance we will pay;
if you have Premier cover, up to £1,500; or
if you have Standard cover, up to £600 towards;
- the purchase price of your pet, or;
- the market value of your pet, if you do not have a receipt or any proof of how much you paid for your pet.collapse

Advice lines
Your insurance automatically includes access to advice lines that you can use as often as you like.
Vetfone: 0800 980 5583
Your vet may not be available or the practice is closed. Vetfone's veterinary nurses will give you advice about your pet's health and welfare. Available 24 hours a day, 365 days a year.
You must also call this number if your pet shows signs of illness or injury when your vet practice is shut before you use an out of hours service or another vet.collapse

Advice lines
Your insurance automatically includes access to advice lines that you can use as often as you like.
Emergency Veterinary Helpline: 0800 980 8740
If you are on a UK holiday or are moving home and your pet needs to visit a vet. Help is at hand to find the nearest vet. Available Monday to Friday 9.00am to 5.00pm.collapse

Section 1 - Veterinary fees
What we will pay
If your pet is ill or injured in the United Kingdom, Isle of Man or Channel Islands during the period of insurance we will pay;
if you have Premier cover;
the cost of veterinary treatment carried out in the period of insurance up to £7,000 for all illnesses and injuries, and included in the £7,000;
- complementary treatment up to £1,000;
- the cost to treat a behavioural disorder up to £250.
if you have Standard cover:
the cost of veterinary treatment carried out in the period of insurance for all illnesses and injuries up to £4,000, limited to £1,000 for each separate illness or injury.
What we will not pay
1. The cost of any treatment for;
- an injury that happened or an illness or behavioural disorder that first showed clinical signs before your pets insurance started, or;
- an injury or illness or behavioural disorder that is the same as, or has the same diagnosis or clinical signs as an injury, illness, behavioural disorder or clinical sign your pet had before your pets insurance started, or;
- an injury, illness or behavioural disorder that is caused by, relates to or results from an injury, illness or clinical sign your pet had before your pets insurance started;
no matter where the injury, illness, behavioural disorder or clinical signs are noticed or happen in, or on your pets body.
2. The cost of any treatment for;
- an illness or behavioural disorder that first showed clinical signs within 14 days of the date your pets insurance started, or;
- an illness or behavioural disorder which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of the date your pets insurance started, or;
- an injury, illness or behavioural disorder that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of the date your pets insurance started;
no matter where the illness or behavioural disorder are noticed or happen in, or on your pets body.
3. The cost of any treatment your vet recommends to prevent an injury, Illness or behavioural disorder.
15. The cost of hydrotherapy for:
- arthritis;
- obesity;
- weight loss;
- general fitness;
- stamina;
- general pain relief;
- general mobility;
- genetic and hereditary disorders in dogs less than 2 years old.
18. The cost of treatment you choose for your pet that is not as a result of an injury, illness or behavioural disorder.
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Section 1 - Veterinary fees
What we will pay
If your pet is ill or injured in the United Kingdom, Isle of Man or Channel Islands during the period of insurance we will pay;
if you have Premier cover;
the cost of veterinary treatment carried out in the period of insurance up to £7,000 for all illnesses and injuries, and included in the £7,000;
- complementary treatment up to £1,000;
- prescription food to help diagnose an illness up to £200;
- the cost of putting your pet to sleep and cremation or burial up to £100;
- travel expenses of 30p for each mile you travel if your vet refers your pet to another vet at a specialist veterinary practice or veterinary hospital;
- the cost to treat a behavioural disorder up to £250.
if you have Standard cover:
the cost of veterinary treatment carried out in the period of insurance for all illnesses and injuries up to £4,000, limited to £1,000 for each separate illness or injury.
What we will not pay
1 The cost of any treatment for;
- an injury that happened or an illness or behavioural disorder that first showed clinical signs before your pet's insurance started, or;
- an injury or illness or behavioural disorder that is the same as, or has the same diagnosis or clinical signs as an injury, illness, behavioural disorder or clinical sign your pet had before your pet's insurance started,
or;
- an injury, illness or behavioural disorder that is caused by, relates to or results from an injury, illness or clinical sign your pet had before your pet's insurance started;
no matter where the injury, illness, behavioural disorder or clinical signs are noticed or happen in, or on your pet's body.
2 The cost of any treatment for;
- an illness or behavioural disorder that first showed clinical signs within 14 days of the date your pet's insurance started, or;
- an illness or behavioural disorder which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of the date your pet's insurance started, or;
- an injury, illness or behavioural disorder that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of the date your pet's
insurance started;
no matter where the illness or behavioural disorder are noticed or happen in, or on your pet's body.
3 The cost of any treatment your vet recommends to prevent an injury, Illness or behavioural disorder.
18 The cost of treatment you choose for your pet that is not as a result of an injury, illness or behavioural disorder.
What you pay
You pay an amount, as shown in the table below, towards the cost of any treatment your pet receives in the period of insurance for each illness, injury, behavioural disorder or for prescription food:

Age	Premier cover	Standard cover
Cats under 9£50£75
Cats 9 and over£50 + 20% of the£75 + 20% of the
	rest of the cost of	rest of the cost of
	any treatment	any treatment
Dogs under 9£70£90
Dogs 9 and over£70 + 20% of the£90 + 20% of the
	rest of the cost of	rest of the cost of
	any treatment	any treatment

This means that if your pet receives any treatment for the same illness, injury, behavioural disorder or for prescription food in more than one period of insurance you must pay an amount towards the cost of the treatment your pet receives in each period of insurance.
The amount you pay may be different in each period of insurance. If the amount you pay changes we will tell you at the start of the period of insurance in your renewal documents.
The rest of the cost of any treatment means the amount left from the amount of a claim covered by this insurance after;
- the £70 for dogs or £50 for cats is deducted if you have a M&S Premier Insurance, or;
- the £90 for dogs or £75 for cats is deducted if you have a M&S Standard Insurance.
Special conditions that apply to this section
6 If you want to claim for complementary treatment, or treatment of a behavioural disorder your vet must still fill in the claim form.
We do not accept claim forms that are filled in by someone who is not a vet or a member of a vet practice.
How to claim
Please write to us and send with your letter;
- a claim form filled in by you and your vet, and;
- any receipts and supporting invoices.
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