Tesco Vet Fees

Important Information
Your Right to Cancel
If this cover does not meet your requirements, please return all your documents within 14 days of receipt. We will return any premium paid in full provided no claims have been made on the policy during that time.

What to do in the event of a claim
If you need to make a claim or you require advice on any related matter please call us on our priority number: 0845 300 22 00 . Our lines are open 8am-8pm Monday to Friday and 9am-2pm Saturday.
Please keep all receipts and invoices forming part of your claim and submit them with the completed claim form and any other documentation to support your claim.
For a claim under the following sections of cover your vet may be required to supply information in support of your claim: Section A Veterinary fees, Section B Accidental death of insured animal, and Section C Theft or straying.
For more help and information on how to claim, please see the Claims Conditions relating to claims under each section of the policy.

Section A Veterinary fees cover
Your policy will provide cover under those sections, shown as being active on your policy schedule.
We will refund any veterinary fees that you have to pay for treatment or complementary therapy for your pet for a condition that first started during a period of insurance, subject to the following:
1 We will pay up to a maximum of £4,000 for Extra cover for each condition.
2 Under the Standard cover, each condition will only be covered for the 12 months immediately following the first date of treatment.
3 We will not pay more than the maximum limit or limits that applied to the month during which the condition first started.
4 If two or more claims are first believed to be separate conditions but we later consider them to be a recurring condition or related condition, we will add up the amounts we have paid for all these claims and not make any more payments during the life of your pet once we have paid up to the limits described in 1, 2 and 3 above.
5 The deduction of the excess as shown on your schedule per condition.
Exclusions
We will not pay:
1 For any preventative or non-essential treatment, tests or diagnostic procedures; prescribed non-specific health improvers; routine examinations or tests; bathing; de-matting.
2 For any treatment or complementary therapy your pet receives during a period of insurance if we have not received the agreed premium for that period of insurance.
3 For any treatment costs that as a pet owner you would expect to incur, such as (but not limited to) vaccinations, flea treatment, wormers, nail clipping, spaying or castration.
4 For any treatment that is in any way connected with your pet being pregnant or giving birth.
5 For house calls or out-of-hours calls or for your pet to stay at the vets surgery, unless the vet can certify that it was absolutely essential and that not taking such action would have seriously worsened your pets condition.
6 Any injury, illness or disease which occurs prior to or within 14 days of your pet being covered (applies to new policies only).
7 The cost of having your pet put to sleep (euthanasia), cremation or for disposing of your pets remains.
8 The cost of any treatment to or related to teeth or gums unless:
- following accidental external damage;
- an illness or disease has been proved to have been the direct cause of the tooth or gum problem;
- to remove first teeth after your pet is more than 6 months of age and provided your pet was covered by this policy before it was 16 weeks of age.
9 For any condition or treatment arising as a result of tooth or gum disease .
10 The cost of routine or investigative tests unless these are to diagnose a condition due to specific existing symptoms or clinical signs.
11 The cost of any diet food, even if this has been prescribed to treat a condition.
12 For any form of housing (such as a cage or basket) or bedding, whether purchased or hired.
13 For any referral, second opinion or specialist treatment or fees unless we have specifically agreed to it.
14 For treatment of behavioural problems, training or therapy or for any conditions arising as a result of behavioural problems.
15 Any condition or symptoms first occurring or contracted whilst on a journey unless Pet Travel Cover was included in your policy at the time and continues to be included.
16 For any treatment for a condition if:
- you have not told us about the condition within 3 months of your pets first treatment for the condition;
- a claim has not been submitted within 12 months of your pets first treatment for the condition.
Claims Conditions
1 We must receive a fully completed claim form before we are able to settle a claim. Please ensure your vet is happy to complete part of the form and provide us with any information we may require.
2 You must keep all invoices and receipts that your vet gives you in connection with your claim and send these to us with your claim form. To speed up settlement of any illness claims please send us a complete medical history for your pet.
3 We may require a differential diagnosis before being able to pay a claim.

Section A Veterinary fees cover
Exclusions
We will not pay:
8 The cost of any treatment to or related to teeth or gums unless:
- following accidental external damage;
- an illness or disease has been proved to have been the direct cause of the tooth or gum problem;
- to remove first teeth after your pet is more than 6 months of age and provided your pet was covered by this policy before it was 16 weeks of age.
9 For any condition or treatment arising as a result of tooth or gum disease .

Section A Veterinary fees cover
Your policy will provide cover under those sections, shown as being active on your policy schedule.
We will refund any veterinary fees that you have to pay for treatment or complementary therapy for your pet for a condition that first started during a period of insurance, subject to the following:
1 We will pay up to a maximum of £4,000 for Extra cover for each condition.
2 Under the Standard cover, each condition will only be covered for the 12 months immediately following the first date of treatment.
3 We will not pay more than the maximum limit or limits that applied to the month during which the condition first started.
4 If two or more claims are first believed to be separate conditions but we later consider them to be a recurring condition or related condition, we will add up the amounts we have paid for all these claims and not make any more payments during the life of your pet once we have paid up to the limits described in 1, 2 and 3 above.
5 The deduction of the excess as shown on your schedule per condition.
Exclusions
We will not pay:
2 For any treatment or complementary therapy your pet receives during a period of insurance if we have not received the agreed premium for that period of insurance.
6 Any injury, illness or disease which occurs prior to or within 14 days of your pet being covered (applies to new policies only).
16 For any treatment for a condition if:
- you have not told us about the condition within 3 months of your pets first treatment for the condition;
- a claim has not been submitted within 12 months of your pets first treatment for the condition.
Definitions state:-
Complimentary therapy
Manipulative therapy carried out by a suitably qualified person that has been specifically recommended by, and can be justified by, your vet; or other alternative therapy administered directly by a vet who is adequately trained to do so.

Other helplines
For the vet helpline, legal advice line, and helpline for advice and support when coping with the loss of a pet, call: 0870 16 16 381 . This line is open 24 hours. Calls charged at national rate.
The vet, legal and bereavement helpline cannot deal with any policy or claims queries, please call 0845 300 22 00 if you require information on these.
Website states:-
- Legal Advice Line for practical, helpful advice on any personal legal problem

Other helplines
For the vet helpline, legal advice line, and helpline for advice and support when coping with the loss of a pet, call: 0870 16 16 381 . This line is open 24 hours. Calls charged at national rate.
The vet, legal and bereavement helpline cannot deal with any policy or claims queries, please call 0845 300 22 00 if you require information on these.
Website states:-
- Vet's Emergency Helpline to help you find an alternative vet if you can't contact your usual vet in an emergency.

Other helplines
For the vet helpline, legal advice line, and helpline for advice and support when coping with the loss of a pet, call: 0870 16 16 381 . This line is open 24 hours. Calls charged at national rate.
The vet, legal and bereavement helpline cannot deal with any policy or claims queries, please call 0845 300 22 00 if you require information on these.
Website states:-
- Helpline for advice and support when coping with the loss of your pet.

Section A Veterinary fees cover
Your policy will provide cover under those sections, shown as being active on your policy schedule.
We will refund any veterinary fees that you have to pay for treatment or complementary therapy for your pet for a condition that first started during a period of insurance, subject to the following:
1 We will pay up to a maximum of £4,000 for Extra cover for each condition.
2 Under the Standard cover, each condition will only be covered for the 12 months immediately following the first date of treatment.
3 We will not pay more than the maximum limit or limits that applied to the month during which the condition first started.
4 If two or more claims are first believed to be separate conditions but we later consider them to be a recurring condition or related condition, we will add up the amounts we have paid for all these claims and not make any more payments during the life of your pet once we have paid up to the limits described in 1, 2 and 3 above.
Exclusions
We will not pay:
2 For any treatment or complementary therapy your pet receives during a period of insurance if we have not received the agreed premium for that period of insurance.