Saga Saver Cover

Cancellation within the first 14 days
If you cancel your policy within 14 days of receiving it we will refund your full premium within 30 days, unless you have made a claim. If you have made a claim in the first 14 days, we will give you a pro-rata refund on your premium based on the cover you have had.
If you do wish to cancel your policy and the insurance cover has not yet commenced you will be entitled to a full refund of the premium.
If after 14 days you have not cancelled your policy, we will assume that you have accepted the terms and wish your policy to continue for the agreed period of cover.

Making a Claim
If you need to make a claim, the following procedure will help guide you through the process.
1. Please first check the schedule and policy to make sure that you are covered for this type of claim. If you are in any doubt, please call us on 0800 056 6063.
2. If the event is covered, please call us on 0800 056 6063. We will ask for your name, address and policy number.
3. We ask that you tell us of any claim as soon as is reasonably possible and supply any supporting documentation that is requested.
4. When you call we will take some relevant details and send you a claim form within two working days.
5. We will respond to you within five working days of receiving your completed claim form.

General Conditions
6. If at any time any claim arises under this policy and there is any other insurance covering the same liability, we will not be liable to contribute more than our rateable proportion of any such claim.

Section 1a - Veterinary fees - Saver
Your Schedule shows if you are covered under this section of the policy.
Saver covers the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay for the cost of treatment your pet has received for a period of 12 months starting from the date during the period of insurance when an injury or illness is first treated by a vet, up to the amount stated on page 23.
The limit applies individually to each pet specified in your Schedule and the number of claims that you can make is unlimited during the policy year in respect of fees incurred for the attendance and treatment by a qualified veterinary surgeon following an accident, illness or disease, including hospitalisation and essential home visits, sustained or contracted and notified during the period of insurance;
In respect of veterinary fees, the period of 12 months or the maximum benefit will always start or be calculated from the date in the policy year an illness or injury is first treated, or an illness with the same diagnosis or clinical signs as the illness or clinical signs that you have claimed the cost of treatment for was first treated.
If a number of illnesses, injuries or clinical signs are:
- diagnosed as one illness or injury; or
- caused by, relate to or result from another illness, injury or clinical signs;
one period of 12 months or one maximum benefit will apply to the treatment received for all the illnesses, injuries or clinical signs.
Saver does not cover the following
a. For each illness or injury that is treated during the policy year and is not related to any other illness or injury treated during the same year, you must pay an excess as shown in your Schedule.
b. The maximum amount we will pay for the cost of treatment of each illness or injury is the maximum benefit shown on page 23 that applies on the date the injury or illness was first treated.
c. The cost of any treatment your pet receives more than 12 months after the date the illness or injury was first treated.
d. The costs of any medicines or materials prescribed or supplied to be used after the period of 12 months has finished.
e. The cost of any treatment resulting from an illness or injury if the clinical signs are the same as the clinical signs of an illness or injury for which we have already paid the cost of treatment for 12 months, no matter where the signs, illness or injury are noticed or happen in, or on your pets body.
f. Preventative and elective treatments, routine examinations and any claims arising as a result of these procedures including but not limited to vaccinations, grooming (including nail clipping), worm, flea or tick control, removal of dew claws, routine spaying or castration (including the removal of retained testes), whelping or to any treatment in connection with pregnancy or giving birth.
g. Charges in respect of having your pet put to sleep, cremated, buried or otherwise disposed of.
h. Dental treatment other than required as a result of an accident.
i. Treatment for gingivitis or periodontitis.
j. House calls, hospitalisation or ambulance charges unless your veterinary surgeon confirms that they are essential to your pets health and that to move your pet would seriously endanger its health.
k. Diets except as prescribed by your veterinary surgeon to treat a medical condition where a payment of 25% of total costs up to a maximum of 90 days per condition will be made.
l. Any costs resulting from an illness or disease occurring or showing clinical signs within 14 days of the commencement of the relevant pets insurance.
m. Any costs for bathing a pet unless a veterinary surgeon believes only
a veterinary surgeon or a member of a practice can bathe your pet.
n. A condition for which a routine vaccination is available other than in respect of vaccine failure.
o. Fees charged by a vet to complete the claim form.
p. Travelling expenses incurred by your vet.
q. Any claim for any form of housing or bedding needed for the treatment or well being of your pet.
r. Any claim as a result of rabies.
s. A condition which is the same as, is caused by or has the same diagnosis or clinical signs as a condition your pet had before its cover commenced.
t. Any postmortem costs.

Section 5 - Advertising and reward costs
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay you an amount not exceeding the amount stated on page 23, subject to prior approval by us to cover local advertising expenses incurred in an attempt to recover your pet following its theft or straying, including the payment of a reward which leads to recovery.
We do not cover the following
(See also General Exclusions on page 19)
a. A reward claimed by any member of your family or household or by any person employed by you or residing with you.
b. Any amount spent trying to find your pet if we have not agreed to the way you are doing this.

Section 5 - Advertising and reward costs
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay you an amount not exceeding the amount stated on page 23, subject to prior approval by us to cover local advertising expenses incurred in an attempt to recover your pet following its theft or straying, including the payment of a reward which leads to recovery.
We do not cover the following
(See also General Exclusions on page 19)
a. A reward claimed by any member of your family or household or by any person employed by you or residing with you.
b. Any amount spent trying to find your pet if we have not agreed to the way you are doing this.

Section 2 - Boarding kennel fees
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay for essential boarding kennel or cattery fees at a licensed kennel or cattery, up to the amount stated on page 23, for each insured pet should you suffer sickness, disease or bodily injury which has occurred and is diagnosed and reported during the policy period and necessitates you being hospitalised for a period exceeding 96 hours. Where the pet is looked after in the United Kingdom by someone who is not living with you, whilst you are in hospital we will pay a daily rate of £4 subject to the maximum limit shown on page 23.
We do not cover the following
(See also General Exclusions on page 19)
a. Any policyholder who has been hospitalised for more than 96 hours on any one occasion more than twice over the past three years.
b. The first £25 of kennel or cattery fees for each condition per pet.
c. Any costs arising from nursing home care or from convalescence care that you do not receive in a hospital.
d. Any costs arising from hospitalisation that you were aware was likely to be required at the start date of insurance.
e. Any costs resulting from you having to go into hospital for the treatment of alcoholism, drug abuse, drug addiction, attempted suicide or self-inflicted injuries.
f. Fees as a result of hospitalisation for anyone other than you.

Section 6 - Holiday cancellation
We cover the following
(Please also refer to pages 20 and 21 for special conditions and claims procedures)
We will pay you up to the amount stated on page 23 for non-recoverable expenses incurred:
a. if you need to cut short your holiday during the period of insurance because your pet:
i. requires emergency life saving treatment;
ii. becomes lost in the United Kingdom.
b. if you need to cancel your holiday within 7 days of your intended departure date because your pet:
i. requires emergency life-saving treatment;
ii. becomes lost in the United Kingdom.
We do not cover the following
(See also General Exclusions on page 19)
a. Any claim arising from a condition for which a routine vaccination is available, other than in respect of vaccine failure.
b. Expenses incurred in respect of any holiday booked less than 30 days prior to departure.
c. Expenses for anyone else who is travelling with you.
d. Any expenses resulting from an illness, disease or condition occurring or showing clinical signs within 14 days of the commencement of this insurance.

Section 4 - Travel allowance
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay you for reasonable travelling expenses incurred up to the amount stated on page 23 for each period of insurance, should your veterinary surgeon refer your pet to another veterinary practice or veterinary hospital for treatment. This cover is based on an allowance of 25p per mile.
We do not cover the following
(See also General Exclusions on page 19)
a. Any amount unless the cost of treatment of the illness or injury is covered under the Veterinary Fees section of the policy.
b. Any amount to travel to or from your pet's usual veterinary practice or branch practice of a group of veterinary practices your usual veterinary practice belongs to.