Virgin Injury & Illness + Add Ben + TPL + O/S Travel

Section 8 - Overseas travel cover Part A This part of this section extends cover to sections 1 to 7, if they appear on your policy schedule, to provide...expand

Section 8 - Overseas travel cover
Part A
This part of this section extends cover to sections 1 to 7, if they appear on your policy schedule, to provide cover for you and the insured animal while on a journey. Some extra cover, exclusions and conditions relating to claims apply. These are below and you should read them with the sections to which they relate.
Extra cover to section 1 - veterinary fees cover
If a vet decides the insured animal should be put to sleep while it is on a journey, we will pay up to £200 towards the cost of putting it to sleep, cremating it or disposing of its remains.
Extra claims conditions relating to section 1 - veterinary fees cover
1. If you are on a journey, you must get the vet to fill in a claim form before you return to the United Kingdom. You must also keep all the relevant receipts and pass them on to us to support your claim.
2. We may ask you to provide evidence that the insured animal was in good health, free from injury or illness and fit to travel at the start of the journey.
3. If you are claiming for having the insured animal put to sleep, we will need to see evidence from the vet that this was essential.
Extra exclusions to section 3 - advertising and reward
We will not pay for any reward claimed by anyone travelling on a journey with you.
Extra claims condition relating to section 3 - advertising and reward
If you lose the insured animal while on a journey, you must report the loss to the governing body or organisation in the country where the insured animal goes missing. If you make a claim we will need to see written evidence that you have done this.
Extra exclusion to section 5 - boarding fees if you have to stay in hospital
We will not pay the costs if you knew you were likely to need to go into hospital before starting a journey.
Extra claims conditions relating to boarding fees if you have to stay in hospital
While on a journey you must make sure you get evidence of your hospital stay before leaving the country.
Extra cover to section 6 - holiday cancellation cover
Cover is extended to cover you if you need to cut short your journey if the insured animal dies while on a journey, or cancel your holiday within seven days of your planned departure date because the insured animal is injured or becomes ill and because of this is unable to travel on a journey.
Extra claims condition relating to claims under section 6 - holiday cancellation cover
If you cancel your journey because the insured animal is injured or is ill and is unable to travel, you must support your claim with written evidence from a vet.
Extra exclusions relating to section 7 - third party liability cover
1. We will not pay for any compensation, costs or expenses for injury or death to anyone travelling on a journey with you or staying with you during a journey.
2. We will not pay for any compensation, costs or expenses if the property damaged belongs to anyone travelling on a journey with you or staying with you during a journey.
3. We will not pay for any compensation, costs or expenses if you or anyone you are travelling on a journey with, or staying with during a journey, is responsible for or looking after the property that is damaged.
4. We will not pay any compensation, costs or expenses if these arise because you are responsible under the laws of the USA or Canada.
Part B
This part of this section provides extra cover if you are travelling on a journey.
Quarantine costs
We will pay up to £1500 in any policy period towards the cost of:
1. Quarantine kennelling and costs involved in getting a new pet passport for the insured animal if a microchip of ISO Standard 11784 or Annex A to ISO 11785 fails, or:
2. quarantine kennelling if you have obeyed all the rules of the Pet Travel Scheme but the insured animal still has to go into quarantine because of an illness or condition.
Exclusions to quarantine costs
We will not pay:
1. For fees if the microchip was not checked and found to be working properly within 14 days of your departure on a journey.
2. For any fees as a result of a condition that you were aware of before the start of the journey.
Claim conditions relating to quarantine costs
1. You must support your claim with documents to prove that the insured animal was microchipped before your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 and that this was checked within 14 days of you travelling on a journey.
2. You must keep all documents and receipts showing the dates and expenses you had to pay, and send these to us to support your claim.
If you lose your pet passport
We will pay up to £250 in any policy period towards the cost of a replacement pet passport if you lose your original pet passport during a journey. This includes any quarantine costs as a direct result of you losing your pet passport.
Exclusions to losing your pet passport
We will not pay for:
1. Any claim unless you report the loss of the pet passport to the vet who provided it within 24 hours of discovering its loss.
2. Any damage, loss or theft that happens before the start of your journey.
Claims conditions relating to loss of pet passport
You must provide documents and receipts to support your claim.
Repeat tick and worming treatment
We will pay reasonable fees charged by a vet if your carrier delays your departure for the United Kingdom and you have to get repeat tick and worming treatment for the insured animal.
Exclusions to repeat tick and worming treatment
We will pay for the following:
1. For any costs involved in getting the first tick and worming treatment needed under the Pet Travel Scheme on each journey.
2. Any costs if the first tick and worming treatment done (on each journey) was not carried out in the timescales needed under the Pet Travel Scheme.
3. For any costs if the tick and worming treatment was not necessary under the Pet Travel Scheme.
Claims conditions relating to claims under the repeat tick and worming treatment cover
1. You must support your claim with documents to prove that the original tick and worming treatment was carried out and that this was done in the timescales needed under the Pet Travel Scheme.
2. You must support your claim with documents to prove that the tick and worming treatment was needed under the Pet Travel Scheme.
Emergency expenses abroad
We will pay up to £300 for each journey towards the following:
1. Reasonable accommodation expenses and extra expenses to take you and the insured animal home if it needs emergency treatment from a vet and as a result of this, you miss your return travel to the United Kingdom.
2. Reasonable accommodation and transport costs for up to four days to look for the insured animal if it is lost or strays during a journey and within three days of the date you are due to return to the United Kingdom.
3. Reasonable extra expenses to take you home if the insured animal is lost or strays within three days before you are due to return to the United Kingdom and you decide to stay abroad to try and find the insured animal.
4. Reasonable accommodation expenses and expenses to take you and the insured animal home if you miss your departure to the United Kingdom as a direct result of losing your pet passport.
5. Reasonable accommodation expenses and expenses to take you and the insured animal home if the carrier delays your departure for the United Kingdom and you miss your rearranged departure as a direct result of having to get repeat tick and worming treatment.
Claims conditions relating to emergency expenses abroad
1. You must support your claim with documents to show the amounts and dates of any expenses, and that these were both necessary and covered by this policy.
2. We may ask you to prove that the extra expenses were reasonable.
collapse

Section 2 - Death from accidental injury We will reimburse the insured animal's purchase price as shown in the policy schedule, up to a maximum of £1500...expand

Section 2 - Death from accidental injury
We will reimburse the insured animal's purchase price as shown in the policy schedule, up to a maximum of £1500 in the event of their death during a period of insurance due to accidental injury.
Exclusions
We will not pay:
1. If the insured animal dies as a result of an illness.
2. If the insured animal has been destroyed or put down following accidental injury unless certified by a vet to be imperative for humane reasons.
3. More than the amount shown as evidence of the insured animals original purchase price.
4. Unexpected or sudden death that cannot be proved to have arisen from an accidental injury to the outside of the insured animal's body.
Conditions
1. You will be required to supply documentation in support of the original purchase price.
2. We reserve the right to contact your vet in order to establish cause of death.
3. In the event that death cannot immediately be proven due to an accidental injury, you may need to have a post-mortem performed on the insured animal at your expense.
collapse

Section 1 - Veterinary fees We will reimburse any veterinary fees incurred by you for the treatment or complementary therapy of a condition affecting the...expand

Section 1 - Veterinary fees
We will reimburse any veterinary fees incurred by you for the treatment or complementary therapy of a condition affecting the insured animal and occurring during a period of insurance subject to the following:
1. Accident and illness policy: Each condition is covered for up to 12 months following the first date of treatment up to a maximum of £3000.collapse

Additional services included in your policy We provide more than just insurance - your policy includes some general support for you too. At Virgin, we...expand

Additional services included in your policy
We provide more than just insurance - your policy includes some general support for you too.
At Virgin, we care about people as well as pets. So in addition to insurance we have teamed up with an assistance company to offer general support to our policyholders too. Your policy includes access to our pet helpline - 24 hours a day, 365 days a year - 0870 024 0663.
Please note that no policy or cover information can be provided on the pet helpline.
Veterinary Emergency
Unfortunately, a medical emergency can occur at any time. If for some reason You are unable to contact Your usual Vet or if You or Your pet are away from home, and in the UK, call Our advice line for assistance. Our team can provide You with details of a practice near to You and/or arrange for a veterinary surgeon to give You advice over the telephone.
collapse

Additional services included in your policy We provide more than just insurance - your policy includes some general support for you too. At Virgin, we...expand

Additional services included in your policy
We provide more than just insurance - your policy includes some general support for you too.
At Virgin, we care about people as well as pets. So in addition to insurance we have teamed up with an assistance company to offer general support to our policyholders too. Your policy includes access to our pet helpline - 24 hours a day, 365 days a year - 0870 024 0663.
Please note that no policy or cover information can be provided on the pet helpline.
Veterinary Emergency
Unfortunately, a medical emergency can occur at any time. If for some reason You are unable to contact Your usual Vet or if You or Your pet are away from home, and in the UK, call Our advice line for assistance. Our team can provide You with details of a practice near to You and/or arrange for a veterinary surgeon to give You advice over the telephone.
collapse

The max benefit for each injury is £3000, however, there is no limit on the amount of unrelated injuries/incidents allowed during the period of insurance...expand

The max benefit for each injury is £3000, however, there is no limit on the amount of unrelated injuries/incidents allowed during the period of insurance
Section 1 - Veterinary fees
1. Accident and illness policy: Each condition is covered for up to 12 months following the first date of treatment up to a maximum of £3000.collapse

Section 1 - Veterinary fees Exclusions We will not pay the cost of: 5. Preventative and elective treatment prescribed, non-specific health enhancers,...expand

Meanings of words Complementary therapy Manipulative therapy carried out by a suitably qualified person that has been specifically recommended by, and...expand

Meanings of words
Complementary 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 provided directly by a vet who is properly trained to do so.
Section 1 - Veterinary fees
We will reimburse any veterinary fees incurred by you for the treatment or complementary therapy of a condition affecting the insured animal and occurring during a period of insurance.collapse

Section 1 - Veterinary Fees We will reimburse any veterinary fees incurred by you for the treatment or complementary therapy of a condition affecting the...expand

Section 1 - Veterinary Fees
We will reimburse any veterinary fees incurred by you for the treatment or complementary therapy of a condition affecting the insured animal and occurring during a period of insurance.
1. Accident and illness policy: Each condition is covered for up to 12 months following the first date of treatment up to a maximum of £3000.collapse

Section 1 - Veterinary fees Exclusions We will not pay for fees arising from: 8. The treatment of behavioural problems, training or therapy. ...expand

12 months Section 1 - Veterinary fees 1. Accident and illness policy: Each condition is covered for up to 12 months following the first date of treatment...expand

12 months
Section 1 - Veterinary fees
1. Accident and illness policy: Each condition is covered for up to 12 months following the first date of treatment up to a maximum of £3000.collapse