Petpals Direct TenantCare

Section 13 - Third Party Liability Cover Cover applies to dog policies only. Please refer to your schedule and/or your product specific cover chart to...expand

Section 13 - Third Party Liability Cover
Cover applies to dog policies only. Please refer to your schedule and/or your product specific cover chart to check whether this benefit applies to your policy.
In this section 'you' and 'your' mean you or any person looking after or handling your pet with your permission.
Property Damage Liability Cover
- We will pay for physical property damage to the interior of your rented accommodation only, as a result of an incident involving your pet during the period of insurance.
- We will pay for the cost of damage to buildings and fixtures and fittings belonging to the landlord for which the tenant is legally obliged to pay.
- The most we will pay is the maximum benefit as shown on your schedule.
Summary of what is not covered
- More than the maximum benefit per specified period of insurance, as shown on your schedule.
- More than one claimed occurrence per policy.
- The excess as stated on your schedule.
- Compensation or legal costs for injury to persons caused by the property damage.
- Compensation or legal costs for damage to the contents of the rental unit caused by your pet.
- Compensation or legal costs for injury to persons caused by the pet, unless provided for elsewhere in these policy terms and conditions.
Maximum Benefit
- £700 if claim occurs within 36 months of occupancy date.
- £500 if claim occurs after the first 36 months of occupancy date.
Your responsibilities
- You must not admit responsibility, agree to pay any claim or negotiate with any other person following an incident.
- You agree to provide us with any information connected with the claim that we ask for, including details of your pet's history.
- You agree to help us find out details of the incident that results in a claim or provide us with written statements and go to court if needed.
- You must allow us to take charge of claims made against you and allow us to prosecute in your name.
What this policy covers
What is covered
- The most we will pay is the maximum benefit as shown on your schedule.
- If property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your pet during the period of insurance we will pay:
- compensation and costs awarded against you by a court; and
- the legal costs and expenses for defending a claim against you.
If other dogs are involved:
- If other dogs are involved with your dog in causing injury or damage, we will only pay for the share of the injury or damage which your dog causes.
- If the other dogs belong to you but are not insured, you will have to pay for the share of the injury or damage which your uninsured dogs cause.
For example, if you have three dogs which cause injury or damage and only one is insured, we will pay one-third of any claims made against you.
- If the other dogs belong to someone else, that person will have to pay for the share of the injury or damage which their dogs cause. For example, if your dog and someone else's dog cause injury or damage, we will only pay for costs that have been allocated to you.
What isn't covered
We will not pay for:
- More than the maximum benefit as shown on your schedule.
- The excess as stated on your schedule.
- Compensation or legal costs if the injured person:
- is part of your family;
- lives in your home;
- works for you;
- is looking after your dog with your permission.
- Compensation or legal costs if the damaged property belongs to you or someone who:
- is part of your family;
- lives in your home;
- works for you;
- is looking after your dog with your permission.
- Compensation or legal costs if you or someone listed above is looking after the property or holding it in trust.
- If you work from home and your dog has access to your work area and/or your clients' property and causes any incident which results in any form of compensation, costs and expenses.
- Any compensation costs and expenses if you are legally responsible only because of a contract you have entered into.
- Any compensation, costs and expenses resulting from an incident that takes place as a result of your profession, occupation or any business.
- Any costs or expenses defending you which we have not agreed beforehand.
- Any compensation costs and expenses arising from an incident if you have not followed advice or information given to you by previous owners or re-homing organisations about the behaviour of your dog.
- Any compensation costs and expenses if you are deemed responsible under laws outside the United Kingdom.
- Any compensation, costs or expenses due to a deliberate act by you, a member of your family or anyone living with you. Any compensation costs and expenses if you are responsible for air, water or soil pollution, unless it can be proved that the pollution took place immediately after and as a result of an accident involving your dog.
- Costs resulting from any incident specified as excluded on your schedule or generally not covered within these terms and conditions.
- Claims which would be covered by any other insurance that you or the person looking after your dog have.
- Any loss as a result of disease transmitted from animals to humans.
How to claim Please read in conjunction with Section 15 - How to Claim.
- You must inform us immediately of any accident or injury that your dog causes.
- Contact us and wait for written instructions from us. We will send you a third-party liability claim form.
Please complete it as fully as possible including details of any household contents insurance that you may have. This will assist us in processing your claim.
- You must immediately forward original copies of written summons or any other legal document you receive and you must never send any replies to any of these documents.collapse

Section 5 - Vet Fees Please refer to your schedule and/or product specific cover chart for the specifics and maximum benefit of the cover provided. What...expand

Section 5 - Vet Fees
Please refer to your schedule and/or product specific cover chart for the specifics and maximum benefit of the cover provided.
What this policy covers
Veterinary Fees - Illness and Accident Categories
- We will cover reasonable and customary treatment for named injuries or illness categories and up to the maximum benefit, as both defined on your schedule and product specific cover chart.
We will cover the following named illness categories:
- For cats: cancer, diabetes mellitus, feline asthma, feline lower urinary tract disease, infectious disease.
- For dogs: cancer, digestive ailments, infectious disease, ear problems, heart disease
We will cover the following named accident categories:
- For cats: bite wounds & bite wound abscesses, bone fractures, burns, feline high rise syndrome, foreign body ingestion removal, poison ingestion.
- For dogs: bite wounds / lacerations, bone fractures, burns, allergic reaction to insect bites, motor vehicle accidents, foreign body ingestion removal, poison ingestion.
Complementary medicines such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture as long as related to a named illness or accident category.
Summary of what is not covered
Veterinary Fees - Illness and Accident Categories
- Any pre-existing conditions.
- Any illness or accident other than named and described on your product specific coverage chart.
- The excess as stated on your schedule.
- Routine pre-operative screening without symptoms of any illness or disorder.
- Other preventative and routine treatments (e.g. vaccinations).
Maximum Benefit
For Cats
£1,500 per named illness category per policy
£1,500 per named accident category per policy
For Dogs
£2,000 per named illness category per policy
£2,000 per named accident category per policy
What is covered
We will pay up to the maximum benefit as shown on your schedule and/or your product specific cover chart where applicable, for the cost of veterinary treatment your pet has received for an illness or injury during the period of insurance.
If your pet has been referred to another veterinary practice or authorised organisation, you will need to contact us prior to your appointment for authorisation.
We can ask to see your pet's records from any vet who has treated it, and any other information about your pet. If the vet charges for this information, you will have to pay.
You are covered for:
- Reasonable and customary vet fees arising from reasonable and customary veterinary procedures for treating the illness or injury.
- Diagnostic, medical and surgical treatment facilities, procedures and fees not primarily originating within your usual veterinary practice, provided we consider such fees are reasonable and customary, and the originator's invoice is submitted. If you are referred to, for example, human hospitals, veterinary referral practices, for diagnostic imaging, hydrotherapy etc, you must advise us prior to your appointment.
- Fees for any complementary treatment which the vet recommends.
- The cost of clinical diet food (where applicable) that has been prescribed and supplied by your vet as part of treatment for a covered illness/accident. In this case we will pay a percentage of the costs of this food as shown on your schedule. Please be advised that clinical diet food is subject to excess and vet fees contribution where applicable (please see your schedule for what isn't covered for vet fees contribution).
- Fees for putting your pet to sleep as long as this is recommended by your vet (euthanasia).
- Behavioural consultations for a covered illness/disease as referred by your vet.
- Dental treatment, as long as it is for non-cosmetic and non-preventable dental problems and related to a covered illness/disease or medical condition.
What isn't covered
We will not pay for:
- More than the maximum benefit as shown on your schedule.
- The excess as stated on your schedule. If the treatment dates of an injury, disease or illness fall into more than one period of insurance, you will pay an excess for each period of insurance.
- Vet fees to treat an illness/accident which arises before the benefit start date as shown on your schedule.
- Costs arising from a pre-existing medical condition.
- Costs of any treatment your pet has received after the period of insurance.
- Costs of treatment for medical conditions not listed on your product specific cover chart, where applicable.
- Costs for treatment for any disease or illness contracted abroad.
- Your vet fees contribution. In addition to the excess you may also be required to pay a percentage contribution of the cost of the treatment ('vet fees contribution') depending upon the age of your pet at the start of the current period of insurance. The percentage amount will be calculated from the balance of the total cost of treatment less the excess. The percentage contribution is stated on your schedule.
- Vet fees to treat an illness or injury related to your pet being pregnant or having puppies/kittens.
- Routine pre-operative screening without symptoms of any illness or disorder.
- Preventative and routine treatments, for example, vaccinations, spaying, castration, cosmetic procedures (including grooming), elective surgery, nail clipping, the cost of killing and controlling fleas and/or tapeworms and roundworms, or measures to rid the pet of internal and external parasites, and any claims arising as a result of these procedures.
- Pheromone therapy.
- A clinical diet that is only prescribed to help your pet lose weight.
- The cost of any food prescribed by a vet to prevent illness.
- Dentistry that you choose to have carried out that is not related to an injury or illness.
- Behavioural fees not originating directly from your own vet or referred by your own vet.
- Charges for house calls or domiciliary visits, ambulance or other carriage involving veterinary staff only, unless it is life-threatening to the pet to move it.
- Having your pet cremated, buried or otherwise disposed of.
- Travelling expenses incurred either by yourself or your vet.
- Any fee charged by your vet to complete the claim form or send any information.
- The hire or purchase of equipment e.g. cages, K9 carts, buster collars.
- Organ transplants or any associated costs.
- Behavioural equipment such as training aids, purchase of videos, tapes, books, other training equipment, retraining programmes or relocating your pet for training purposes.
- The cost of treating any injury or illness deliberately caused by you or anyone living with you.
- Complementary treatments that are not carried out under the direction of a vet.
- Costs resulting from an injury or illness specified as excluded on your schedule or generally not covered within these terms and conditions.
- Costs incurred outside the United Kingdom unless agreed by us in advance.
- Costs for referral vet fees not authorised in advance by us.
How to claim
Please read in conjunction with Section 15 - How to Claim.
- Contact us to request a claim form.
- Please remember that claims only apply to treatment received during the Period of Insurance.
- Your usual veterinary practice - for claims relating to fees originating from your usual veterinary practice you do not need to obtain prior approval before commencing treatment.
- Referral veterinary practice - for claims involving fees originating from a referral veterinary practice you must first gain approval from us.
- Ensure that all receipts or original invoices are retained, as these are required when you submit your completed claim form.
- If treatment has not been completed, an interim claim can be submitted.
- All claims must be accompanied by a completed claim form with original invoices attached and must be submitted:
- Within 6 months of the treatment start date.
- If treatment has continued beyond one Period of Insurance and into the next (as shown on your schedule), please ask the vet to provide an itemised receipt showing the date and cost of fees incurred on each day.collapse

Section 5 - Vet Fees Please refer to your schedule and/or product specific cover chart for the specifics and maximum benefit of the cover provided. What...expand

Section 5 - Vet Fees
Please refer to your schedule and/or product specific cover chart for the specifics and maximum benefit of the cover provided.
What this policy covers
Veterinary Fees - Illness and Accident Categories
- We will cover reasonable and customary treatment for named injuries or illness categories and up to the maximum benefit, as both defined on your schedule and product specific cover chart.
We will cover the following named illness categories:
- For cats: cancer, diabetes mellitus, feline asthma, feline lower urinary tract disease, infectious disease.
- For dogs: cancer, digestive ailments, infectious disease, ear problems, heart disease
We will cover the following named accident categories:
- For cats: bite wounds & bite wound abscesses, bone fractures, burns, feline high rise syndrome, foreign body ingestion removal, poison ingestion.
- For dogs: bite wounds / lacerations, bone fractures, burns, allergic reaction to insect bites, motor vehicle accidents, foreign body ingestion removal, poison ingestion.
Complementary medicines such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture as long as related to a named illness or accident category.
Summary of what is not covered
Veterinary Fees - Illness and Accident Categories
- Any pre-existing conditions.
- Any illness or accident other than named and described on your product specific coverage chart.
- The excess as stated on your schedule.
- Routine pre-operative screening without symptoms of any illness or disorder.
- Other preventative and routine treatments (e.g. vaccinations).
Maximum Benefit
For Cats
£1,500 per named illness category per policy
£1,500 per named accident category per policy
For Dogs
£2,000 per named illness category per policy
£2,000 per named accident category per policy
What is covered
We will pay up to the maximum benefit as shown on your schedule and/or your product specific cover chart where applicable, for the cost of veterinary treatment your pet has received for an illness or injury during the period of insurance.
If your pet has been referred to another veterinary practice or authorised organisation, you will need to contact us prior to your appointment for authorisation.
We can ask to see your pet's records from any vet who has treated it, and any other information about your pet. If the vet charges for this information, you will have to pay.
You are covered for:
- Fees for any complementary treatment which the vet recommends.
What isn't covered
We will not pay for:
- Complementary treatments that are not carried out under the direction of a vet.
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Section 5 - Vet Fees Please refer to your schedule and/or product specific cover chart for the specifics and maximum benefit of the cover provided. What...expand

Section 5 - Vet Fees
Please refer to your schedule and/or product specific cover chart for the specifics and maximum benefit of the cover provided.
What this policy covers
Veterinary Fees - Illness and Accident Categories
- We will cover reasonable and customary treatment for named injuries or illness categories and up to the maximum benefit, as both defined on your schedule and product specific cover chart.
We will cover the following named illness categories:
- For cats: cancer, diabetes mellitus, feline asthma, feline lower urinary tract disease, infectious disease.
- For dogs: cancer, digestive ailments, infectious disease, ear problems, heart disease
We will cover the following named accident categories:
- For cats: bite wounds & bite wound abscesses, bone fractures, burns, feline high rise syndrome, foreign body ingestion removal, poison ingestion.
- For dogs: bite wounds / lacerations, bone fractures, burns, allergic reaction to insect bites, motor vehicle accidents, foreign body ingestion removal, poison ingestion.
Complementary medicines such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture as long as related to a named illness or accident category.
Summary of what is not covered
Veterinary Fees - Illness and Accident Categories
- Any pre-existing conditions.
- Any illness or accident other than named and described on your product specific coverage chart.
- The excess as stated on your schedule.
- Routine pre-operative screening without symptoms of any illness or disorder.
- Other preventative and routine treatments (e.g. vaccinations).
Maximum Benefit
For Cats
£1,500 per named illness category per policy
£1,500 per named accident category per policy
For Dogs
£2,000 per named illness category per policy
£2,000 per named accident category per policy
You are covered for:
- Behavioural consultations for a covered illness/disease as referred by your vet.
What isn't covered
We will not pay for:
- Behavioural fees not originating directly from your own vet or referred by your own vet.collapse