Policy document

Please make sure you read the Tesco Pet Insurance policy document below

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Thank you for choosing Tesco Pet Insurance. This policy booklet gives full details of your cover and should be read along with your policy schedule. Please keep all your documents in a safe place. If you have any questions about your policy, please call us on the number shown in the policy schedule.

Subject to the terms and conditions of the insurance, we agree to provide you with one calendar month of cover for each monthly payment we receive from the start date of your insurance. If you miss a monthly payment or pay it late, we will assume you have cancelled this policy and your cover will end from the date the premium was due.

This policy and the policy schedule are evidence of the contract between you (the policyholder) and us (UK Insurance Limited).

Our contract with you is based on the information that was provided either by you or on your behalf. You must tell us if this information is incorrect or if it changes. If you do not, it could affect your cover.

During any period of insurance we will insure the pet or pets named on the policy schedule for those sections listed on your policy schedule under the terms set out in this policy. Any special excesses, limits or endorsements shown in the policy schedule or in a separate document also form part of the contract.

You must read the policy, policy schedule and any endorsement as one document. Any word or expression that is defined as having a particular meaning will have the same meaning wherever it appears in these documents.

English law will apply to this insurance unless we agree otherwise in writing.

Tesco Pet Insurance is underwritten by UK Insurance Limited (UKI), which is authorised and regulated by the Financial Services Authority. UKI is a Royal Bank of Scotland Group Company. Registered in England No. 1179980. Registered address: The Wharf, Neville Street, Leeds LS1 4AZ.

For and on behalf of UKI

 

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.

How to complain

Should there ever be an occasion where you need to complain, please call us on our priority number 0845 300 22 00. If your complaint relates to a claim please contact your claims handler whose details will be shown in your claims documentation.

If you wish to write, please address your letter as follows:

• Claims related complaints to Customer Relations Department, Tesco Pet Insurance, Cote Lane, Pudsey LS28 5GF.
• All other complaints should be addressed to Customer Relations Department, Tesco Pet Insurance, The Wharf, Neville Street, Leeds LS1 4AZ.

If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800.

Details about our Regulator

UK Insurance Limited is authorised and regulated by the Financial Services Authority. The Financial Services Authority website which includes a register of all regulated firms can be visited at www.fsa.gov.uk/register (opens in a new browser window), or the Financial Services Authority can be contacted on 0845 606 1234.

Under the Financial Services and Markets Act 2000, should the company be unable to meet their liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk (opens in a new browser window)

Statement of Demands and Needs

We have not provided you with a personal recommendation as to whether this policy is suitable for your specific needs.

This product meets the demands and needs of those who wish to ensure that their pet or pets are covered.

Your information

Who we are

Tesco Pet Insurance is arranged by Tesco Personal Finance Limited (TPF) and underwritten by UK Insurance Limited (UKI).

You are giving your information TPF. UKI is a member of the Royal Bank of Scotland Group (The Group). In this Information statement 'we' 'us' and 'our' refers to UKI and TPF unless otherwise stated.

For information about our Group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

Your electronic information

If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.

How we use your information and who we share it with

We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, third party underwriters and reinsurers. Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.

Your information includes data about your transactions.

We may use and share your information with other members of the Group to help us and them:

• assess financial and insurance risks;
• recover debt;
• prevent and detect crime;
• understand our customers' requirements;
• develop and test products and services.

We do not disclose your information to anyone outside the Group except:

• where we have your permission; or
• where we are required or permitted to do so by law; or
• to other companies who provide a service to us or you; or
• where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.

Sensitive Information

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions) We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.

You will have been asked to agree to this when you called but please ensure that you only provide us with sensitive information about other people with their agreement.

Dealing with other people

It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know. In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

• Checking applications for, and managing credit and other facilities and recovering debt;
• Checking insurance proposals and claims;
• Checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. The agencies may charge a fee. For contact details please read the section titled 'Further information'.

Call monitoring and recording

We may monitor and record telephone calls in order to improve our service and to prevent and detect fraud.

Further information

If you would like a copy of the information UKI hold about you (such as information relating to your policy or a claim), please contact the Data Protection Officer, UK Insurance, Regulatory Risk (Compliance) Department, Mailpoint 38, Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP. A fee may be payable.

If you would like a copy of the information TPF hold about you, please write to The Data Protection Officer, Risk Team, Tesco Personal Finance, The Forthstone, 56 South Gyle Crescent, Edinburgh, EH12 9LE.

Security

Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially. For further information regarding our security please read the section titled 'Further Security'.

Cookies

Please note that we use "Cookies" on the Site. A cookie is a software application that tracks our users' navigation of the Site and stores that information on their hard drives. This allows us to understand our users' habits and preferences which enables us to customise our services for our users to provide an enhanced user experience. We may, for example, use cookies to store registration information so that you do not have to provide it to us on subsequent visits.

Further security

We take security very seriously and we use one of the strongest available security systems to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:

It prevents impersonation - you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on either the padlock or the image opposite will reveal our Registration Certificate that is issued by Verisign, a leading Internet security company.* It encrypts data - as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.

It prevents scrambling - SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.

*There are two minor problems with Microsoft Internet Explorer. Neither problem has any effect on the actual security in force, but may make it appear to you as if it is not fully secure.

Internet Explorer 4. The padlock symbol does not always appear at the bottom when it should. Read a full description of this error number Q154621 (new window).

Internet Explorer 5. If you click on the padlock symbol to view the security certificate the following message may be displayed: "This certificate has failed to verify for all of its intended purposes". The other details of the certificate shown are correct. Read a full description of this error, number Q233479.

Automatic continuation of your policy

Each year we will write to you before the Anniversary of your policy to advise you of any changes to the premium or policy terms. As this is a monthly contract the policy will automatically continue and we will continue to take payments unless you tell us to stop.

Definitions

Certain words or expressions in your policy schedule have a particular meaning wherever they appear. These are explained below:

• We/Our/Us UK Insurance Limited.
• You/Your The person named on the schedule who is responsible for the pet.
• Your Family Your husband, wife, partner, children, parents or other relatives who normally live with you.
• Carrier A transport company approved by the Government to carry animals under the Pet Travel Scheme.
• Condition Any injury, illness, or disease, or any symptoms or signs of injury, illness or disease, including related problems and regardless of where these are noticed or happen in or on your pet.
• Pre-existing condition Any condition or symptoms or signs of injury, illness or disease, occurring or existing in any form prior to the start of this insurance.
• Recurring condition A condition that may recur or one that the pet has a predisposition or susceptibility to, regardless of the number of occurrences or areas of the body affected.
• 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.
• Injury Damage to one or more parts of your pet's body as a result of one accidental cause.
• Journey A holiday or trip to a qualifying country included in the Pet Travel Scheme (PETS) that starts and ends in the United Kingdom during a period of insurance.
• Period of insurance A calendar month for which you have paid us the agreed premium.
• Pet The animal or animals named in the policy schedule.
• Pet passport The official UK Pet Travel Scheme documentation provided by a vet who has the Government's authority to do so.
• Pet Travel Scheme (PETS) The Government scheme that allows you to take your pet to certain qualifying countries and to re-enter the United Kingdom without putting your pet into quarantine, provided the rules of the scheme have been met.
• Policy Period A period of 12 calendar months. The first policy period will begin on the start date of insurance. Any other policy period will begin on the anniversary date of insurance.
• Treatment Any necessary examination, consultation, advice, tests, x-rays, surgery, prescribed drugs or medication, nursing or care provided by a vet during a period of insurance.
• United Kingdom (UK) England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.
• Vet A qualified veterinary surgeon currently registered to practise in the country in which treatment is received.
• Vet's fees Reasonable and necessary fees charged by a vet to provide treatment of a condition.

General Conditions

The following conditions apply to the whole of the policy:

1. Your pet must not be less than 8 weeks old or older than the age set out in the policy schedule on the start date of insurance;
2. Your pet must be in good health on the start date of insurance and if covered to go on a journey (Pet Travel Cover) be in good health and fit to travel at the start of your journey;
3. You and your pet's main home must be in the United Kingdom. If travelling on a journey, your pet must not have been outside the qualifying countries included in the Pet Travel Scheme in the six months immediately prior to the start of your journey;
4. Your pet must not fall under the restrictions of the Dangerous Dogs Act 1991, the Dogs (Northern Ireland) Order 1983, or any changes to those laws.
5. You must take proper care of your pet at all times and pay to have any treatment normally recommended by a vet to prevent illness or injury.
6. Your pet must wear a collar that shows details that will allow you to be reunited with your pet whether in the United Kingdom or on a journey.
7. Wherever possible you must contact us before incurring any costs for which you may wish to claim.
8. You must provide and pay for all the information, documents and help that we need. This includes vet certificates and records and details of any other relevant insurance that may apply.
9. In the event of any disagreement between your vet and our vet, an independent vet mutually agreed by both sides will be appointed and act as an arbitrator. Their decision will be binding on both sides.
10. If you or anyone acting on your behalf makes a false, fraudulent or exaggerated claim or any claim involving dishonesty we will reject your claim and cancel this policy immediately.
11. If you fail to observe and fulfil the terms and conditions of this insurance then all cover may be void;
12. We may take over and deal with in your name any claim made under this policy.
13. We will only refund your premium if you let us know that you do not need cover within days of receiving the policy and no claims have been made.
14. If we ask you to take your pet to a vet of our choice you must do so.
15. We may change any details regarding your policy and premium on each anniversary date of the commencement of your insurance policy.
16. You agree that we may see all records that any vet has about your pet.
17. We may disclose information about your pet insurance policy to any vet who has either treated your pet or is about to treat your pet.
18. We may end this insurance at any time by sending at least 7 days written notice to your last known address.
19. We will not make any payment for any claim that results from an incident covered by other insurance.
20. It is your responsibility to find out what has been submitted on a claim whether by a vet or anyone else.
21. You may cancel this policy at any time by contacting us.
    
    In addition, if you have Pet Travel Cover the following will also apply:
    
    
22. Your pet must not work on a journey (other than as a registered guide dog or hearing dog) unless we have agreed to this in writing.
23. If travelling on a journey with your pet, you must meet all the requirements of the Pet Travel Scheme. This includes, but is not limited to, having a current pet passport for your pet and any other documentation as required under the Pet Travel Scheme.
24. You must not make more than 3 journeys of a maximum of 30 days each in a policy period, unless we agree to this in writing.

General Exclusions

The following exclusions apply to the whole policy:

We will not pay for:

1. Any claims under any section of the policy where the premium has not been paid:
2. Any claim that is in any way connected with a pre-existing condition.
3. Any claim as a result of a condition that a routine vaccination is available for, unless treatment is required because the vaccine has not worked.
4. Any claim that is in any way linked to vicious tendencies or behavioural problems or traits your pet showed signs of before cover started.
5. Any indirect loss.
6. Any claim as a result of a malicious act, deliberate injury or negligence.
7. Any claim where your pet has been used for commercial, guard or security purposes, or for racing.
8. Any claim as a result of your pet worrying livestock.
9. Any loss where United Kingdom animal health or import laws have been broken.
10. Any claim where your pet is destroyed under a court order or is destroyed or injured by someone acting with the legal power to do so.
11. Any claim as a result of radioactive contamination, terrorism, war, hostilities or civil unrest.
12. Any claim caused by or in any way related to a condition that is excluded either on your policy schedule or in a separate endorsement letter.
13. Any costs that we do not consider reasonable or necessary.
14. Any claim as a result of the official actions of Customs, any Government or the authorities of any country unless specifically covered.
15. Any claim as a result of travel outside of the United Kingdom unless you have Pet Travel Cover under this policy, in which case we will not pay for any claim as a result of travel outside the qualifying countries covered by the Pet Travel Scheme.
16. More than the maximum amounts stated in each section inclusive of VAT where this is payable.
    
    In addition, if you have Pet Travel Cover:
    
    We will not pay for:
    
17. Any claim as a result of you failing to meet any of the requirements of the Pet Travel Scheme. This applies to requirements set by the UK Government, a carrier or other countries involved in the scheme.
18. Any costs that the carrier may charge to carry out checks.
19. Your costs in meeting the requirements of the Pet Travel Scheme unless they are specifically covered in this policy.
20. You to bring your pet home if it dies.
21. Any loss as a result of currency exchanges.

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 £2,500 for Standard cover, or £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.

Optional Extension - Pet Travel Cover

If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, this section will also extend to cover:

If a vet decides your pet should be put to sleep whilst it is on a journey with you, we will pay up to £200 towards the cost of putting your pet to sleep and cremating or disposing of your pets remains.

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 vet's surgery, unless the vet can certify that it was absolutely essential and that not taking such action would have seriously worsened your pet's 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 pet's first treatment for the condition;
    • a claim has not been submitted within 12 months of your pet's 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.
   
   In addition, if you have Pet Travel Cover, the following will apply:
   
   
4. 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 relevant receipts and pass them on to us to support your claim.
5. We may ask you to provide evidence that your pet was in good health and fit to travel at the start of the journey.
6. If you are claiming for having your pet put to sleep, we will need to see evidence from the vet that this was essential.

Section B - Accidental death of the insured animal

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay you the purchase price of your pet as shown on your policy schedule, if it dies during a period of insurance following an accidental injury to the outside of its body.

Exclusions

We will not pay:

1. If your pet has to be put to sleep following an accidental injury, unless your vet provides written certification that it was essential for humane reasons.
2. More than you paid for your pet.
3. Unexpected or sudden death that cannot be proved to have arisen from an accidental injury to the outside of the pet's body.
4. We will not pay if your pet dies as a result of an accidental injury that happened prior to or within 14 days of your pet being covered.

Claims Conditions

1. You must provide proof of what you paid for your pet.
2. You must provide us with certification from a vet, or if the pet has died at the scene of the accident a statement from an independent witness, that your pet has died as a result of an external accidental injury.

Section C - Theft or straying (going missing)

Your policy will provide cover under those sections, shown as being active on your policy schedule.

Part One - Advertising, reward and repatriation

We will pay you up to £1,000 towards local advertising expenses you incur to help get your pet back if it is stolen or goes missing during a period of insurance. This includes the cost of getting your pet back to your home address and a reward of up to £200.

Exclusions

1. We will not pay any reward that is claimed by any member of your family or anyone living with you.
2. If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, this section will also exclude payment for any reward claimed by anyone travelling on a journey with you.

Claims Conditions

1. If your pet is a dog, you must report the loss to the police and we will need to see evidence that you have done this. If your pet is a cat you should report the loss to your vet and we may ask for confirmation that you have done so.
2. If you are claiming for payment of a reward we will require documentary evidence that payment of a reward for finding your pet was advertised and written confirmation with full contact details from the person claiming the reward that this has been paid to them by you. Alternatively, if you prefer we can pay the reward directly to them.
3. We will need to see receipts and examples of advertising for any expenses you wish to claim.
4. If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, it is a condition under this section that if you lose your pet on a journey, you must report the loss to any governing body or organisation required in the country where your pet goes missing. If you make a claim we will need to see written evidence that you have done this.

Part Two - Loss due to theft or straying (going missing)

We will pay you the purchase price shown in the policy schedule if your pet is stolen or goes missing during the period of insurance and is not found within 45 days.

Exclusions

We will not:

1. Pay more than you paid for your pet.
2. Make any payment until more than 45 days after your pet first went missing.

Claims Conditions

1. If your pet is a dog, you must report the loss to the police within 2 days of your dog going missing and we will need to see evidence that you have done this. If your pet is a cat you should report the loss to your vet and local rescue centres within 10 days of your cat going missing and we may ask for confirmation that you have done so.
2. You must provide proof of what you paid for your pet.
3. If after claiming, your pet is found or returns, you must repay the full amount we have paid out under this section.
4. If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, it is a condition under this section that if you lose your pet on a journey, you must report the loss to any governing body or organisation required in the country where your pet goes missing. If you make a claim we will need to see written evidence that you have done this.

Section D - Hospitalisation of owner

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay up to £1,000 in any policy period, towards costs you have to pay to have your pet looked after by a licensed kennel, cattery or pet minding service if you have to go into hospital for more than 4 days in a row during a period of insurance.

Exclusions

We will not pay for:

1. Costs if you knew on the start date of the insurance that you were likely to need to go into hospital.
2. Costs as a result of any hospital stay that is not on the advice of a doctor, specialist or consultant.
3. Costs as a result of nursing home care or from convalescence care that you do not receive in a hospital.

Optional Extension - Pet Travel Cover

If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, this section will also exclude any costs if you knew you were likely to need to go into hospital before starting the journey.

Claims Conditions

1. You must keep all receipts from the boarding kennel, cattery or person responsible for looking after your pet, detailing dates and expenses incurred and send these to us with your claim form.
2. You must obtain confirmation from your doctor or the hospital treating you of the dates of your hospital stay and the condition that has led to this.
3. Whilst on a journey you must make sure you get evidence of your hospital stay before leaving the country.

Section E - Holiday cancellation or curtailment (cutting short)

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay you up to £5,000 in any policy period for expenses that you cannot get back from anywhere else if you have to cancel or cut short your holiday during a period of insurance because your pet:

1. Goes missing whilst you are away or in the 7 day period prior to you going away;
2. Needs sudden and unexpected life saving treatment (without which your pet would die), whilst you are away or in the 7 day period prior to you going away.

Optional Extension - Pet Travel Cover

If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule cover is extended to cover you should you need to cut short your journey because your pet dies whilst on a journey or cancel your holiday within 7 days of your planned departure date because your pet becomes too ill to travel on a journey.

Exclusions

We will not pay:

1. Any claim resulting from a condition of which you were aware prior to booking your holiday or before insurance was taken out with us.
2. Any claim if treatment could have been provided 8 days or more before you were due to go away and by having that treatment the life saving treatment could have been avoided.

Claims Conditions

1. You must support your claim with documents showing when you booked and then cancelled or cut short your holiday and the dates these actions were taken.
2. You must provide us with all documents and proof that the expenses cannot be recovered from anywhere else.
   
   In addition, if you have Pet Travel Cover the following will apply:
   
   
3. If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, it is a condition under this section that if you cancel your journey because your pet is too ill to travel, you must support your claim with written evidence from a vet.

Section F - Third party liability

This section only applies to dogs.

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay compensation and costs awarded against you or any person looking after or handling your pet with your permission or knowledge, by a court if your pet causes:

1. Death or injury to a person;
2. Property damage.

Also, if we agree, we will also pay the legal costs and expenses for defending a claim, which is as a result of an accident involving your pet during a period of insurance. The maximum amount payable under this section in any policy period is £2,000,000.

Exclusions

We will not pay:

1. The first £250 of each and every claim for property damage;
2. If you have cover under any other insurance policy (such as home insurance) unless the cover provided by that policy is exhausted.
3. For any compensation, costs or expenses for injury or death to you, any member of your family, anyone who lives with you or anyone working with you or for you;
4. For any compensation, costs or expenses that result because of damage to property belonging to you or any member of your family, anyone who lives with you or anyone working with you or for you.
5. For any compensation, costs or expenses if you, any member of your family, person living with you, working with you or for you is either responsible for or is looking after the property that is damaged.
6. For any compensation, costs or expenses that result due to your profession, business or employment.
7. For any compensation, costs or expenses if we have not agreed to these before they were incurred.
   
   

   Optional Extension - Pet Travel Cover

   If you have paid the additional premium and sections G, H, I and J are shown as being covered on your policy schedule, this section also excludes:

8. Any compensation costs or expenses for injury or death to you anyone travelling on a journey with you or staying with you during a journey.
9. Any compensation, costs or expenses that result because of damage to property belonging to anyone travelling on a journey with you or staying with you during a journey;
10. 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;
11. We will not pay any compensation, costs or expenses if these arise because you are responsible under the laws of the USA or Canada.

Claims Conditions

1. You must not admit liability or make an offer or promise of payment without our written consent.
2. You must tell us about any incident that happens that could result in a claim.
3. You must forward to us immediately any writ, summons, legal documents or other communication you receive.
4. You must not reply to any communication received without our consent.
5. You must find out whether there is any other insurance policy available under which you could claim.

Section G - Quarantine Costs

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay up to £1,500 in any policy period towards the cost of;

1. Quarantine kennelling and costs involved in getting a new pet passport for your pet if a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fails;
2. Quarantine kennelling if you obeyed all the rules of the Pet Travel Scheme but your pet still has to go into quarantine because of illness.

Exclusions

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.

Claims Conditions

1. You must support your claim with documents to prove that your pet was micro chipped before your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 and that it was checked within 14 days of you travelling on a journey.
2. You must keep all documents and receipts detailing dates and expenses incurred and send these to us to support your claim.

Section H - Loss of your pet's passport

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay up to £250 in any policy period towards the cost of a replacement pet passport if you lose your original during a journey. This includes any quarantine costs as a direct result of you losing your pet's passport.

Exclusions

We will not pay:

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. For any damage, loss or theft that happens before the start of your journey.

Claims Conditions

You must provide documents and receipts to support your claim.

Section I - Repeat tick and worming treatment

Your policy will provide cover under those sections, shown as being active on your policy schedule.

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 your pet.

Exclusions

We will not pay:

1. For any costs involved in getting the first tick and worming treatment necessary under the Pet Travel Scheme on each journey.
2. For any costs if the first tick and worming treatment done (on each journey) was not carried out in the timescale required 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

1. You must support your claims with documents to prove that the original tick and worming treatment was carried out and that this was done in the timescale required under the Pet Travel Scheme.
2. You must support your claim with documents to prove that the tick and worming treatment was necessary under the Pet Travel Scheme.

Section J - Emergency expenses abroad

Your policy will provide cover under those sections, shown as being active on your policy schedule.

We will pay up to £300 per journey towards the following:

1. Reasonable accommodation expenses and expenses to take you and your pet home if your pet needs emergency treatment from a vet and as a result you miss your return travel to the United Kingdom.
2. Reasonable accommodation and transport costs for up to 4 days to look for your pet if your pet is lost or goes missing during a journey and within 3 days of the date you are due to return to the United Kingdom.
3. Reasonable additional expenses to take you home if your pet is lost or goes missing within 3 days before you are due to return to the United Kingdom and you decide to stay abroad in an attempt to find your pet.
4. Reasonable accommodation expenses and expenses to take you and your pet home if you miss your departure to the United Kingdom as a direct result of losing your pet's passport.
5. Reasonable accommodation expenses and expenses to take you and your pet home if the carrier delays your departure for the United Kingdom and you miss your rescheduled departure as a direct result of having to get repeat tick and worming treatment.

Claims Conditions

1. You must support your claim with documents to show the amounts and dates of any expenses incurred and that these were both necessary and covered by this policy.
2. We may ask you to prove that the additional expenses were reasonable.

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.

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.