Glossary

Premium

A lunar monthly policy runs for and premiums are collected on equal periods of 28 days.

Excess (Lifetime Cover)

The amount you must pay towards vet's fees claims. You must pay an excess for each condition receiving treatment during the policy term which is not related to any other injury or illness receiving treatment during the policy term. Where the treatment dates fall within different calendar years you must pay an excess for each calendar year. No excess is charged on any other sections of cover.

Excess (Standard Cover)

The amount you must pay towards vet's fees claims. You must pay an excess for each condition receiving treatment during the policy term which is not related to any other injury or illness receiving treatment during the policy term. No excess is charged on any other sections of cover.

Public Liability

Legal liability to a third party, for the damages and costs arising from your ownership of the insured pet.

Vet's Fees (Lifetime Cover)

We pay up to the amount shown in the schedule for veterinary treatment given to your pet or complementary medicine recommended by your vet. The cover limit applies to each separate condition your pet may suffer. This means you can claim up to the cover limit for any number of different conditions. You can continue to claim for treatment and the cover limit is renewed each policy term throughout the life of your pets insurance with us so long as you continue to pay the premium due and do not allow your policy to lapse. There is an initial 14 day deferment period in respect of disease or illness cover.

Vet's Fees (Standard Cover)

We pay up to the amount shown in the schedule for veterinary treatment given to your pet or complementary medicine recommended by your vet. The cover limit is applied to each separate condition your pet may suffer. This means you can claim up to the cover limit for any number of different conditions. Any costs incurred more than 365 days after the first date of treatment for any condition will not be covered. There is an initial 14 day deferment period in respect of disease or illness cover.

Death

If your pet dies during the period of insurance or is put down for humane reasons because of accident, injury or illness that happened or started during this period of insurance. We pay the market value, the price paid or the amount shown in the schedule whichever is less. No cover for illness/disease showing clinical signs within 14 days of policy inception.

Boarding Kennel/Cattery Fees

If you are a registered in-patient in hospital for more than 3 days we can cover the cost of boarding your pet.

Holiday Cancellation

If you have to cancel or cut short your holiday because your cat or dog needs emergency life-saving surgery because of an accident or illness within 14 days before departure.

Advertising and Reward

We pay up to 25% of your pet's sum insured value to cover the cost of advertising and paying a reward which leads to getting your pet back following theft or loss.

Loss by Theft or Straying

If the insured pet is not found within 28 days of straying or being stolen we pay the market value, the price paid or the amount shown in the schedule whichever is less.

Accidental Damage

We insure you for accidental damage to personal property that is not owned by you, a member of your immediate family, a relative, employee, guest or other person who is responsible for or in control of your pet.

Personal Accident

We cover you as a result of lost income if you are bitten by your pet while you are caring for it and have to miss work as a result of the injury.