Benefits You may claim up to the maximum amount shown on the Policy Schedule. A. Your pet s veterinary treatment fees received during the policy year...
expandBenefits You may claim up to the maximum amount shown on the Policy Schedule.
A. Your pet s veterinary treatment fees received during the policy year for each separate illness and injury.
Exclusions You will not be able to claim for the following: A. Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of: 1. an injury that happened or an illness that first showed clinical signs before the Policy start date; or,
2. an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before the Policy start date, no matter where the injury, illness or clinical signs are noticed or happen in, or on your pet's body.
Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of: 1. an illness that first showed clinical signs within 14 days of the Policy start date; or,
2. an illness 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 Policy start date; or,
3. an injury or illness 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 Policy start date, no matter where the illness or clinical signs are noticed or happen in, or on your pet's body.
- Advertising or reward costs, or the price you paid for your pet, if (s)he is stolen or strays before the Policy start date or during the first 14 days after the Policy start date.
- Kennel or cattery fees if you go into hospital due to a medical problem which you knew about before the Policy start date.
B. Any routine dental treatment. Dental and gum disorders unless they are caused by an injury. And any other disorders that result from a dental or gum disorder unless the dental or gum disorder is caused by an injury.
- Vaccinations, worming, killing or controlling fleas, spaying, castration, grooming and de-matting.
- Any problems resulting from pregnancy, giving birth or rearing puppies or kittens.
- Any behavioural problem, mental or emotional disorder.
- The cost of food including food prescribed by a vet.
- Any cost relating to transplant surgery, including any post-operative care.
- Home visits, including those necessitated by your personal circumstances unless your Veterinary Surgeon states that moving your pet would endanger her/his health.
- Putting your pet to sleep (euthanasia), or disposal, cremation and post-mortems.
C. - Any claim arising when your pet is less than eight weeks old.
- Any claim due to any illness or injury, or any claim due to death, loss or damage which happens outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, except claims under Benefit G - Pet Holiday Cover.
- Any claim arising whilst the pet is being used in connection with any trade or business except shepherding.
- Any claim arising as a direct or indirect result of nuclear waste or radiation.
- Any claim caused by, resulting from or connected in any way to war, invasion, riot, revolution or any similar event.
- Any claim caused by, resulting from or connected in any way to:
i. any act of force or violence; including, biological, chemical and/or nuclear force or contamination; or,
ii. the threat of biological, chemical and/or nuclear force or contamination, by anyone:
iii. acting alone; or,
iv. acting for any organisation(s) or government(s); or,
v. connected with any organisation(s) or government(s), carried out:
vi. for political, religious, ideological or similar reasons; or,
vii. to influence any government(s); or,
viii. to put any section of the public in fear. Excess for Veterinary Treatment Fee Claims This section applies to claims under Benefit A only
You must pay an amount towards the cost of treatment your pet receives during the Policy Year for each illness, injury or clinical sign.
If, during the Policy Year:
- the same illness or injury happens more than once anywhere in or on your pets body; or,
- the same clinical signs are noticed more than once anywhere in or on your pets body, you must pay an amount towards the cost of treatment each time the illness or injury happens or the clinical signs are noticed.
Dogs Age at time of treatment:
| Under 9 years:£70 |
| 9 years or over:£70 + 20% of the rest of the cost of veterinary treatment |
The rest of the cost of veterinary treatment means the amount left from the amount covered by this insurance after the £70 for dogs.
Special Condition You pay an amount towards the cost of treatment your pet receives in each Policy Year. The amount you pay may be different for each Policy Year. You need to look at your Policy Schedule to find out the dates of your Policy Year and your Policy wording for the amount you have to pay.
At the start of each Policy Year we will tell you in your renewal documents the amount you have to pay towards the cost of treatment received in the coming year.
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