Tesco Pet Insurance | Policy summary | Tesco Finance & Insurance

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Policy summary

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

Please read this document carefully. Full terms and conditions can be found within the policy document.

Helplines

In addition to the cover listed above your policy provides access to 3 helplines: find a vet, pet bereavement and legal advice.

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. Otherwise, you can cancel this policy at any time and you will only be charged for the premiums due up to the month you decide to cancel, simply call us on 0845 300 22 00.

How to make a claim

To notify us of a claim in the first instance please telephone: 0845 300 22 00.

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, 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 all its 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. 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)

Features of a Tesco Pet Insurance Policy

The policy you have purchased is underwritten by UK Insurance Limited and will run monthly for a period of 12 months unless you advise us otherwise. Please read your policy carefully to ensure it meets your needs. Your policy schedule shows you which sections you are covered for, any excesses that may apply and premiums due.

Please check you have the cover you require. Please also read any separate endorsement letters that may apply to your policy.

Section of Cover	What is covered	What is not covered
Section A Veterinary Fees cover	If you have chosen a Tesco Pet Insurance Standard policy, we will provide your pet with necessary treatment for each illness, injury or disease up to a maximum of £2,500. Under the Standard policy, each condition will only be covered for the 12 months immediately following the first date of treatment. If you have chosen a Tesco Pet Insurance Extra policy, we will provide your pet with necessary treatment for each illness, injury or disease up to a maximum of £4,000.	Preventative, non-essential or routine treatment/tests or any treatment that as a pet owner you would expect to incur Any treatment that is in any way connected with pregnancy or giving birth The treatment of behavioural problems, training or therapy Non-essential hospitalisation, house calls, or out of hours calls Any diet food Treatment for tooth or gum problems.
Section B Accidental death of the insured animal	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.	Unexpected or sudden death that cannot be proved to have arisen from an accidental injury to the outside of the pet's body Payment of more than you paid for your pet.
Section C - Part 1 Advertising, reward and repatriation	Up to £1,000 towards local advertising expenses you incur to help get your pet back if it is stolen or goes missing during the period of insurance. This includes the cost of getting your pet home and a reward of up to £200.	Any reward that is claimed by any member of your family or anyone living with you.
Section C - Part 2 Loss due to theft or straying (going missing)	The purchase price of your pet as shown on your policy schedule if your pet is stolen or goes missing and is not found within 45 days.	Payment of more than you paid for your pet.
Section D Hospitalisation of Owner	Up to £1,000 in any policy period towards costs you have to pay to have your pet looked after if you have to go into hospital for more than 4 days in a row.	Costs if you knew on the start date of the insurance that you were likely to need to go into hospital Payment of any costs as a result of nursing home care or convalescence care not received in hospital.
Section E Holiday cancellation or curtailment (cutting short)	Up to £5,000 for expenses you cannot get back if you canncel or cut short your holiday because your pet goes missing or needs sudden, unexpected, life-saving treatment, either whilst you are away or in the 7 day period prior to you going	Any claim resulting in a condition of which you were aware prior to booking your holiday or before insurance was taken out with us. Any claim if treatment could have been provided 8 days or more before you were due to go away and by having the treatment, the life-saving treatment could have been avoided.
Section F Third party liability (this section only applies to dogs)	Up to £2,000,000 towards compensation and costs awarded against you by a court if your pet causes death or injury to a person, or causes damage to property.	The first £250 of each and every claim for property damage Any compensation, costs or expenses for injury or death to you, your family, or anyone living or working with you 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 the insured animal anyone working with you or for you.
Pets travel cover (optional)	Section A-F (if applicable) - Extend to cover journeys to countries included in the government's Pet Travel Scheme Section G - Quarantine costs - up to £1,500 Section H - Loss of your pet's passport - up to £250 Section I - Repeat tick and worming treatment Section J - Emergency expenses abroad - up to £300.	More than 3 trips a year Journeys of more than 30 days Any compensation, costs or expenses if these arise because you are responsible under the laws of the USA or Canada.

Main exclusions that apply to all sections of cover

Claims in any way connected with a pre-existing condition
Claims that are in any way linked to vicious tendencies or behavioural problems or traits your pet showed signs of before cover started
Claims if your pet has been used for commercial, guard or security purposes, or racing
Claims as a result of your pet worrying livestock
Claims for any injury, illness or disease which occurs prior to or within 14 days of your pet being covered (applies to new policies only)