Petplan Showbreeder

Claims Procedure
Unless you are claiming for Veterinary Fees, you must let us know of any circumstances which are likely to lead to a claim.
For a claim form please call our Customer Centre on 0800 072 0004 or write to:
Petplan, Great West House (GW2)
Great West Road, Brentford
Middlesex TW8 9DX, United Kingdom.
Alternatively, most claim forms can be downloaded from our website www.petplan.co.uk/claims. You can also track the progress of your claim on our website.
If you are claiming for Veterinary Fees many veterinary practices will have a supply of claim forms.
You must then follow the procedures set out in the section under which you are claiming.
Please make sure your claim form is fully completed by you and if you are claiming for Veterinary Fees, your vet, as any incomplete claim forms will be returned to you.

General Conditions
1. Throughout the policy year you must take all reasonable steps to maintain your animals health and to prevent injury, illness and loss. You must arrange and pay for your animal to have a yearly dental examination and any treatment normally recommended by a vet to prevent illness or injury.
2. You must arrange for your animal to be kept vaccinated against the following:
Dogs - distemper, hepatitis, leptospirosis and parvovirus.
Cats - feline infectious enteritis, feline leukaemia and cat flu.
If you do not keep your animal vaccinated, we will not pay any claims that result from any of the above illnesses.
3. If, when you claim, there is any other insurance under which you are entitled to an indemnity, we will only pay our share of the claim. You must tell us the name and address of the other insurance company and your policy number with them.
4. If you have any legal rights against another person in relation to your claim, we may take legal action against them in your name at our expense. You must give us all the help you can and provide any documents we ask for.
5. If you have provided false information, or make a false or exaggerated claim, or any claim involving your dishonesty, this policy will end and we will not make any further claim payments.
6. Your animal is only covered under this policy if you pay the premium. If you pay the yearly premium in instalments and you miss an instalment you must pay the outstanding amount within 10 days of the date the instalment was due to be paid. If we do not receive your payment within 10 days of the date the premium was due your insurance will automatically stop, and we will make no further claim payments.
7. When we settle your claim, we will deduct from the claim, any amount due to us.
8. You agree that any vet has your permission to release any information we ask for about your animal. If the vet makes a charge for this, you must pay the charge.
9. If we agree for a claim payment to be paid directly to your vet and you allow this, then if the vet, who has treated your animal or is about to treat your animal, asks for information about your insurance that relates to a claim, we will tell the vet what the insurance covers, what we will not pay for, how the amount we pay is calculated and if the premiums are paid to date.
10. If we receive a request to pay the claim payment direct to a veterinary practice, we reserve the right to decline this request.
11. If the veterinary fees you are charged are higher than the fees usually charged by a general or referral practice, we reserve the right to request a second opinion from a vet that we choose. If the vet we choose does not agree with the veterinary fees charged we may decide to pay only the veterinary fees usually charged by a general or referral practice in a similar area.
12. If we consider the veterinary treatment or complementary treatment your animal receives may not be required or may be excessive when compared with the treatment that is normally recommended to treat the same illness or injury by general or referral practices, we reserve the right to request a second opinion from a vet that we choose. If the vet we choose does not agree with the veterinary treatment or complementary treatment provided we may decide to pay only the cost of the veterinary treatment or complementary treatment that was necessary to treat the injury or illness, as advised by the vet from whom we have requested the second opinion.
13. When we offer further periods of insurance, we may change the premium, and the policy Terms and Conditions.
14. We will not guarantee on the phone if we will pay a claim. You must send us a claim form that has been fully completed and we will then write to you with our decision.
15. When you claim you agree to give us any information we may reasonably ask for.
16. You are free to choose the law to apply to this insurance contract. We are also free to choose the law to apply. Unless there is an agreement between you and us to use a particular law, English law will apply.
17. Unless we agree otherwise the language of the policy and all communications relating to it will be in English.
18. You must arrange for a vet to examine and treat your animal as soon as possible after it shows clinical signs of an injury or an illness. And, if we decide, we will refer the case to a vet that we choose.
19. You agree to pay translation costs for any claims documentation not written in English.

Standard Excess  
Animal   Age    Zone 1  Zone 2  Zone 3  Zone 4
Cat   7 Years or less  £90  £80  £65  £60
  8 Years   £105  £95  £80  £75
  9 Years   £115  £105  £95  £85
  10 Years & Older £115+20% £105+20% £95+20% £85+20%

Section 1A - Veterinary Fees
Cover under this section applies in the UK and agreed countries only.
What we will pay
The cost of any veterinary fees for veterinary treatment your animal has received during the policy year to treat an illness or injury.
If you have chosen additional cover for Veterinary Fees for Whelping/Kittening and this is shown on your Certificate of Insurance Animal Details we will also cover the cost of veterinary treatment for any complications of pregnancy and giving birth.
What you pay
The excess shown on your Certificate of Insurance Animal Details.
What we will not pay
24. The cost of dental treatment unless your animal has had its teeth checked by a vet in the 12 months before the onset date of the claim. If any treatment was recommended as a result of the check this must have been carried out.

Section 1B - Complementary Treatment
Cover under this section applies in the UK only.
What we will pay
If instructed by the vet, the cost of complementary treatment your animal has received during the policy year to treat an illness or injury.
What we will not pay
18. The cost of treatment for a behavioural illness if your animals behaviour is caused by you failing to provide training.

Yes
Definitions state:-
Illness
Any changes to a normal healthy state, sickness, disease, defects and abnormalities including defects and abnormalities your animal was born with or were passed on by its parents.

Section 1A - Veterinary Fees
Cover under this section applies in the UK and agreed countries only.
What we will pay
The cost of any veterinary fees for veterinary treatment your animal has received during the policy year to treat an illness or injury.
If you have chosen additional cover for Veterinary Fees for Whelping/Kittening and this is shown on your Certificate of Insurance Animal Details we will also cover the cost of veterinary treatment for any complications of pregnancy and giving birth.
What you pay
The excess shown on your Certificate of Insurance Animal Details.
What we will not pay
8. The cost of any food (including food prescribed by a vet) unless used to dissolve existing bladders stones and crystals in urine, which is limited to a maximum of 40% of the cost of food for up to 6 months.

Section 1B - Complementary Treatment
Cover under this section applies in the UK only.
What we will pay
If instructed by the vet, the cost of complementary treatment your animal has received during the policy year to treat an illness or injury.
What we will not pay
1. More than the maximum benefit for the combined treatment costs for all illnesses and injuries in the policy year.
2. The cost of any treatment for:
i An injury that happened or an illness that first showed clinical signs before your animals cover started; or,
ii 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 animal had before its cover started; or,
iii An injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your animal had before its cover started,
No matter where the injury, illness or clinical signs are noticed or happen in, or on your animals body. This is in addition to any exclusions stated on your Certificate of Insurance Animal Details.
3. The cost of any treatment for:
i An illness that showed clinical signs in the first 14 days of your animals first policy year; or,
ii An illness which is the same as, or has the same diagnosis or clinical signs as an illness that showed clinical signs in the first 14 days of your animals first policy year; or,
iii An injury or illness that is caused by, relates to or results from a clinical sign that was noticed, or an illness that showed clinical signs, in the first 14 days of your animals first policy year, No matter where the illness or clinical signs are noticed or happen in, or on your animals body.
4. The cost of any treatment to prevent injury or illness.
5. The cost of any treatment or complications arising from treatment that you choose to have carried out that is not directly related to an injury or illness, including cosmetic dentistry.
6. The cost of killing and controlling fleas, general health improvers and any complications of pregnancy and giving birth.
7. The cost of any food, including food prescribed by a vet.
8. The cost of pheromone products, including DAP diffusers and Feliway unless used as part of a structured behaviour modification programme, and then limited to a maximum of 6 months.
9. The cost of vaccinations except the cost of treating any complications arising from these procedures.
10. The cost of treating any injury or illness deliberately caused by you or anyone living with you.
11. The costs of having your animal put to sleep, cremated, buried or otherwise disposed of.
12. The cost of house calls unless the vet or complementary therapist confirms that moving your animal would further damage its health, regardless of your personal circumstances.
13. Extra costs for treating your animal outside usual surgery hours, unless the vet or complementary therapist confirms an emergency consultation is necessary.
14. The cost of hospitalisation and any associated veterinary treatment, unless the vet or complementary therapist confirms it is essential that your animal is hospitalised, regardless of your personal circumstances.
15. Costs resulting from an injury or illness specified as excluded on your Certificates of Insurance or generally not covered within these Terms and Conditions.
16. The cost of any form of housing, including cages, whether hired or purchased.
17. The cost of bathing, grooming or de-matting your animal unless:
- You have taken all reasonable steps to maintain your animals health; and
- The vet or complementary therapist confirms veterinary expertise is needed and therefore only a vet, a member of a veterinary practice or the complementary therapist can carry out these activities, regardless of your personal circumstances.
18. The cost of treatment for a behavioural illness if your animals behaviour is caused by you failing to provide training.
19. The cost of dental treatment unless your animal has had its teeth checked by a vet in the 12 months before the onset date of the claim. If any treatment was recommended as a result of the check this must have been carried out.
20. The cost of any treatment if a claim has not been submitted within 12 months of your animal receiving treatment.
How to claim
Before your animal is treated, you must make sure that the vet and complementary therapist are prepared to fill in our claim form and provide invoices.
You must fill in a claim form and ask your vet and complementary therapist to fill in their part. We will not pay for the vet or complementary therapist to do this.
Send us the claim form together with the invoices setting out the costs involved.
When to claim
You should send us your claim at the end of treatment or the end of the policy year if the treatment has not finished by this time.
The claim must be submitted within 12 months of your animal receiving treatment.

Yes
Definitions state:-
Illness
Any changes to a normal healthy state, sickness, disease, defects and abnormalities including defects and abnormalities your animal was born with or were passed on by its parents.

Section 1A - Veterinary Fees
Cover under this section applies in the UK and agreed countries only.
What we will pay
The cost of any veterinary fees for veterinary treatment your animal has received during the policy year to treat an illness or injury.
If you have chosen additional cover for Veterinary Fees for Whelping/Kittening and this is shown on your Certificate of Insurance Animal Details we will also cover the cost of veterinary treatment for any complications of pregnancy and giving birth.
What you pay
The excess shown on your Certificate of Insurance Animal Details.
What we will not pay
5. The cost of any treatment to prevent injury or illness.

Section 1A - Veterinary Fees
Cover under this section applies in the UK and agreed countries only.
What we will pay
The cost of any veterinary fees for veterinary treatment your animal has received during the policy year to treat an illness or injury.
If you have chosen additional cover for Veterinary Fees for Whelping/Kittening and this is shown on your Certificate of Insurance Animal Details we will also cover the cost of veterinary treatment for any complications of pregnancy and giving birth.
What you pay
The excess shown on your Certificate of Insurance Animal Details.
What we will not pay
13. The costs of having your animal:
- Put to sleep, including any veterinary consultations/visits or prescribed medications specifically needed to carry out the procedure, or
- Cremated, buried or otherwise disposed of.

Section 1A - Veterinary Fees
Cover under this section applies in the UK and agreed countries only.
What we will pay
The cost of any veterinary fees for veterinary treatment your animal has received during the policy year to treat an illness or injury.
If you have chosen additional cover for Veterinary Fees for Whelping/Kittening and this is shown on your Certificate of Insurance Animal Details we will also cover the cost of veterinary treatment for any complications of pregnancy and giving birth.
What you pay
The excess shown on your Certificate of Insurance Animal Details.
What we will not pay
13. The costs of having your animal:
- Put to sleep, including any veterinary consultations/visits or prescribed medications specifically needed to carry out the procedure, or
- Cremated, buried or otherwise disposed of.

Section 6 - Death from Illness
Cover under this section applies in the UK only.
What we will pay
The market value of your animal either if it dies or has to be put to sleep by a vet during the policy year as a result of an illness.
If you have chosen additional cover for Death in Whelping/Kittening and this is shown on your Certificate of Insurance Animal Details we will also pay the market value of your animal it if dies or has to be put to sleep during the policy year due to a complications of pregnancy and giving birth.
What we will not pay
1. More than the sum insured.
2. Any amount if your animals death results from:
i An illness that first showed clinical signs before your animals cover started; or,
ii An illness that is the same as, or has the same diagnosis or clinical signs as an illness or clinical sign your animal had before its cover started; or,
iii An injury or illness that is caused by, relates to or results from an illness or clinical sign, your animal had before its cover started,
No matter where the illness or clinical signs are noticed or happen in, or on your animals body. This is in addition to any exclusions stated on your Certificate of Insurance Animal Details.
3. Any amount if your animals death results from:
i An illness that showed clinical signs in the first 14 days of your animals first policy year; or,
ii An illness which is the same as or has the same diagnosis or clinical signs as an illness that showed clinical signs in the first 14 days of your animals first policy year; or,
iii An illness that is caused by, relates to or results from a clinical sign that was noticed, or an illness that showed clinical signs in the first 14 days of your animals first policy year,
No matter where the illness or clinical signs are noticed or happen in or on your animals body.
4. Any amount for complications of pregnancy and giving birth unless you have chosen additional cover for Death during Whelping/Kittening and this section of cover is shown on your Certificate of Insurance Animal Details.
5. Any amount if the death results from an illness in any Select breed aged 5 years or over or any other animal aged 8 years or over.
6. Any amount if the death results from an illness specified as excluded on your Certificate of Insurance or generally not covered within these Terms and Conditions.
7. The market value of your animal unless the death results from an incurable illness and the vet confirms it was not humane to keep your animal alive because it was suffering.
8. Any amount if a claim has not been submitted within 12 months of your animals death.
Point 9 also applies if you have chosen the additional cover for Death during Whelping/Kittening and this section of cover is shown on your Certificate of Insurance Animal Details.
9. Any amount if the death results from any complications of pregnancy and giving birth:
- First occurring or showing clinical signs before or in the first 26 weeks of the animals first policy year.
- If the litter is the first litter you have bred.
- For the following breeds; Bulldogs, French Bulldogs, Boston Terriers and Scottish Terriers.
How to claim
Please send us:
1. A death certificate from your vet;
2. The pedigree certificate, documents of any successful showing and breeding history and a receipt from when you bought your animal, where applicable; and
3. Your completed claim form.
We will not pay for this information.
Special Conditions that apply to Section 5 - Death from Injury and Section 6 - Death from Illness
1. It is your responsibility to ensure the value you have chosen, and we have agreed, for your animal is kept up to date on the policy. You must review this amount on a regular basis to ensure it accurately reflects the market value of your animal. In the event of your animals death we will pay the market value (or the sum insured if it is less) of your animal. If the market value at the time of death is lower than the value you have chosen to insure your animal for, we will only pay the market value and we will not provide any refund of premium.

Section 5 - Death from Injury
Cover under this section applies in the UK only.
What we will pay
The market value of your animal if it either dies or has to be put to sleep by a vet during the policy year as a result of an injury.
What we will not pay
1. More than the sum insured.
2. Any amount if the death results from an injury that happened before your animals cover started.
3. Any amount if the death results from an injury specified as excluded on your Certificates of Insurance Animal Details or generally not covered within these Terms and Conditions.
4. Any amount unless the death results from an injury that cannot be treated and your vet confirms it was not humane to keep your animal alive because it was suffering.
5. Any amount if a claim has not been submitted within 12 months of your animals death.
How to claim
Please send us:
1. A death certificate from your vet;
2. The pedigree certificate, documents of any successful showing and success at shows, breeding history and a receipt from when you bought your animal, where applicable; and
3. Your claim form.
We will not pay for this information.
Special Conditions that apply to Section 5 - Death from Injury and Section 6 - Death from Illness
1. It is your responsibility to ensure the value you have chosen, and we have agreed, for your animal is kept up to date on the policy. You must review this amount on a regular basis to ensure it accurately reflects the market value of your animal. In the event of your animals death we will pay the market value (or the sum insured if it is less) of your animal. If the market value at the time of death is lower than the value you have chosen to insure your animal for, we will only pay the market value and we will not provide any refund of premium.

Section 2 - Advertising and Reward
Cover under this section applies in the UK and agreed countries only.
What we will pay
If your animal is stolen or goes missing during the policy year we will pay:
1. The cost of advertising; and
2. The reward you have offered and paid to get your animal back.
If your animal is stolen or goes missing during your journey, we will also pay the cost of your accommodation to stay and look for your animal if it has not been found or returned by the scheduled last date of your journey.
What we will not pay
1. More than the maximum benefit.
2. More than 10% of the maximum benefit towards sundries to make your own posters and advertising material.
3. Any reward that we have not agreed before you advertised it.
4. Any reward not supported by a signed receipt giving the full name and address of the person who found your animal.
5. Any reward paid to a member of your family, any person living with you or employed by you, including anyone travelling with you during your journey.
6. Any reward paid to the person who was caring for your animal when it was lost or stolen.
7. If your animal is stolen or goes missing during your journey more than 7 daysaccommodation costs and more than £30 for each days accommodation.
8. If your animal is stolen or goes missing during your journey, any amount if the cost of accommodation is at a property owned by you or your family.
9. Any amount if your animal is stolen or goes missing during your journey, unless there is some official documentation to certify the theft or loss was reported to the police, or the ship, aircraft, train or coach operator if the loss or theft happened while you were travelling with them.
10. Any amount if the claim has not been submitted within 12 months of your animal going missing or being stolen.
Special conditions that apply to this section when your animal is stolen or goes missing during your journey
1 You must report the loss or theft of your animal within 24 hours of discovering it missing to the police and obtain a police report. If your animal was lost or stolen on a ship, aircraft, train or coach you must report the loss or theft to the operator and obtain a report.
2 You must immediately take all reasonable steps to find or recover your animal.
How to claim
Please phone us on 0800 072 0004 for approval of any reward before you advertise it.
Fill in the claim form and send it to us with invoices and receipts to show the costs involved, including a receipt for any reward you paid.
If the loss or theft happened during your journey please also send us the booking invoice for your journey or any other official documents to show the dates of your journey.

Section 2 - Advertising and Reward
Cover under this section applies in the UK and agreed countries only.
What we will pay
If your animal is stolen or goes missing during the policy year we will pay:
1. The cost of advertising; and
2. The reward you have offered and paid to get your animal back.
If your animal is stolen or goes missing during your journey, we will also pay the cost of your accommodation to stay and look for your animal if it has not been found or returned by the scheduled last date of your journey.
What we will not pay
1. More than the maximum benefit.
2. More than 10% of the maximum benefit towards sundries to make your own posters and advertising material.
3. Any reward that we have not agreed before you advertised it.
4. Any reward not supported by a signed receipt giving the full name and address of the person who found your animal.
5. Any reward paid to a member of your family, any person living with you or employed by you, including anyone travelling with you during your journey.
6. Any reward paid to the person who was caring for your animal when it was lost or stolen.
7. If your animal is stolen or goes missing during your journey more than 7 daysaccommodation costs and more than £30 for each days accommodation.
8. If your animal is stolen or goes missing during your journey, any amount if the cost of accommodation is at a property owned by you or your family.
9. Any amount if your animal is stolen or goes missing during your journey, unless there is some official documentation to certify the theft or loss was reported to the police, or the ship, aircraft, train or coach operator if the loss or theft happened while you were travelling with them.
10. Any amount if the claim has not been submitted within 12 months of your animal going missing or being stolen.
Special conditions that apply to this section when your animal is stolen or goes missing during your journey
1 You must report the loss or theft of your animal within 24 hours of discovering it missing to the police and obtain a police report. If your animal was lost or stolen on a ship, aircraft, train or coach you must report the loss or theft to the operator and obtain a report.
2 You must immediately take all reasonable steps to find or recover your animal.
How to claim
Please phone us on 0800 072 0004 for approval of any reward before you advertise it.
Fill in the claim form and send it to us with invoices and receipts to show the costs involved, including a receipt for any reward you paid.
If the loss or theft happened during your journey please also send us the booking invoice for your journey or any other official documents to show the dates of your journey.

Section 4 - Theft or Straying
Cover under this section applies in the UK only.
What we will pay
The market value of your animal if it is stolen or goes missing during the policy year and is not recovered or does not return.
What we will not pay
1. More than the sum insured.
2. Any amount if you or the person looking after your animal has freely parted with it, even if tricked into doing so, unless anyone was looking after or transporting your animal in return for money, goods or services.
3. Any amount if a claim has not been submitted within 12 months of your animal going missing or being stolen.
Special conditions that apply to this section
1. As soon as you discover your animal is missing:
- If your animal is a dog you must tell the police and ask for the crime reference number or written confirmation of your report.
- If your animal is a cat and it may have been stolen, you must tell the police and ask for the crime reference number or written confirmation of your report.
2. You must tell all vets and local rescue centres within a reasonable distance of the area where your animal was last seen within 5 days of your animal going missing.
At least one veterinary practice must be notified.
3. If your animal has not been found within 30 days, please fill in a claim form and return it to us as soon as possible.
4. If your animal is found or returns, you must repay the full amount we have paid you.
5. To submit a claim for Theft or Straying you must have advertised the loss of your animal.
How to claim
Please send us:
1. The original pedigree certificate and original purchase receipt from when you bought your animal, where applicable; and
2. Your claim form.
We will not pay for this information. Please note, if the claim is paid the original pedigree certificate and purchase receipt will not be returned to you.

Section 3 - Boarding Fees
Cover under this section applies in the UK only.
In this section youmeans you or your husband, wife, life or civil partner.
What we will pay
The cost of boarding your animal at a licensed kennel, cattery, rabbit hotel or £5 a day towards the cost of someone, who does not live with you, looking after your animal while you are in hospital during the policy year.
What we will not pay
1. More than the maximum benefit.
2. Any amount if you are in hospital for less than 4 days.
3. More than £100 for all your animals for each illness or injury while you are in hospital.
4. Any costs resulting from you having to go into a hospital because of an injury or illness first occurring or showing symptoms before your animals cover started.
5. Any costs resulting from you being pregnant or giving birth or any treatment that is not related to an injury or illness.
6. Any costs resulting from you going into a hospital for the treatment for alcoholism, drug abuse, drug addiction, attempted suicide or self-inflicted injuries.
7. Any costs resulting from nursing home care or from convalescence care that you do not receive in a hospital.
8. Any costs if a claim has not been submitted within 12 months of the stay in hospital.
How to claim
Please send us a claim form filled in by your doctor or consultant and by the owner of the boarding kennel or cattery.
We also need an invoice from the kennel or cattery or written confirmation from the person looking after your animal.
We will not pay for this information.

 Standard Excess  
Animal   Age    Zone 1  Zone 2  Zone 3  Zone 4
Cat   7 Years or less  £90  £80  £65  £60
  8 Years   £105  £95  £80  £75
  9 Years   £115  £105  £95  £85
  10 Years & Older £115+20% £105+20% £95+20% £85+20%

Premiums are payable in four postcode zones:
Zone 1: N, NW, SW, W, WC.
Zone 2: AL, BN, BR, CM, CR, CT, DA, E, EC, EN, GU, HA, HP, IG, KT, ME, RG, RH, RM, SE, SG, SL, SM, SS, TN, TW, UB, WD.
Zone 3: AB, B, BA, BD, BS, BT, CA, CB, CH, CO, CW, DD, DE, DY, EH, FK, FY, G, GL, GY, HD, HG, HU, HX, IP, JE, KY, L, LA, LS, M, MK, ML, NE, NG, NN, NR, OL, OX, PA, PE, PO, PR, S, SK, SN, SO, SP, TA, TR, WF, WN, WV.
Zone 4: BB. BH, BL, CF, CV, DG, DH, DL, DN, DT, EX, HR, HS, IM, IV, KA, KW, LD, LE, LL, LN, LU, NP, PH, PL, SA, ST, SY, TD, TF, TQ, TS, WA, WR, WS, YO, ZE.