M&S Standard

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...expand

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...expand

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...expand

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.
4 The cost of scaling and polishing your pet's teeth.
5 The cost of killing or controlling fleas, worming or wormer products, general health enhancers and any treatment caused by, resulting from or related to pregnancy or giving birth.
6 The cost of treating;
- a dental disorder, or;
- a gum disorder, or:
- any other disorder caused by, relating to or resulting from dental or gum disorder; unless;
- your pet has had its teeth checked in the 12 months before the first clinical signs of the dental or gum disorder that you are claiming the cost of treatment for, and;
- your pet has had all treatment, recommended during that check carried out.
7 The cost of:
- food that is not produced by a pet food manufacturer as a prescription food;
- prescription food that is not prescribed by a vet;
- obesity and weight control prescription foods;
- prescription food, after a diagnosis is made to help manage an illness, including allergies, food intolerance and joint disorders;
- prescription food to prevent the formation of bladder stones and crystals in urine.
8 The cost of vaccinations, spaying and castration.
9 The cost of house calls unless the vet confirms that moving your pet would damage its health.
10 The cost of any treatment outside normal surgery hours except for treatment that a vet considers cannot wait until normal surgery hours.
11 Travel costs to a specialist vet or veterinary hospital that is at or in the same building, premises or veterinary practice as your vet.
12 The cost of any veterinary treatment if a claim has not been made within 12 months of your pet receiving its first treatment.
13 The cost of pheromone products.
14 The cost of your pet's stay at a vet practice unless a vet confirms your pet's treatment can only be given at a vet practice.
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.
16 The cost of buying or hiring a cage or any other medical equipment.
17 The cost of any transplant treatment.
18 The cost of treatment you choose for your pet that is not as a result of an injury, illness or behavioural disorder.
19 The cost of bathing or dematting your pet unless a vet confirms this can only be carried out by a vet or a member of a vet practice under a vet's supervision because its needs their professional expertise.
20 Any treatment your pet receives outside the United Kingdom, Isle of Man or the Channel Islands
21 The cost of any treatment for any illness your pet must be vaccinated against.
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
1 If your normal vet practice is shut, or your normal vet cannot offer an appointment for treatment, then you must phone our M&S Vetfone service for advice. Your policy does not cover the cost of treatment outside normal surgery hours, unless you have telephoned our M&S Vetfone service, or your vet considers treatment cannot wait until normal surgery hours.
The M&S Vetfone service is available 24 hours a day, 365 days a year on 0800 980 5583.
2 If your vet tells you he/she wants to refer your pet to another vet for veterinary treatment costing more than £1,000 you must tell us before the referral happens or before your pet receives the veterinary treatment. If your pet needs emergency veterinary treatment immediately on the same day as the referral takes place you must tell us as soon as you can. We may ask for an estimate of the veterinary treatment to agree the cost or contact the referral vet to agree the cost.
3 You must send us your claim form within 30 days of start of first treatment. If your pet develops an ongoing illness or injury you must submit the first claim within 30 days of start of first treatment and then submit ongoing claims every 3-6 months.
4 If you claim for the cost of any complementary treatment you must supply a letter of referral from your vet to the complementary professional that includes;
- the diagnosis of the illness or injury needing treatment
- the treatment needed
- the length of time or date when your pet should go back to the vet for further treatment
5 Before your pet is treated check that a vet will fill in a claim form and supply the supporting invoices.
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.
7 You can ask us to pay your vet or someone else. You will need to make arrangements to pay your vet or someone else any part of the cost of any treatment not covered by this insurance. If we do not agree to send a payment to the person you asked us to pay we will send any payment covered by this insurance to you.
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.
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...expand

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.
collapse