WalkawayCover is our free pet insurance that has been designed with puppies and kittens in mind. We know how important it is to support new pet owners during their new furry friend’s early months. Getting started with our free WalkawayCover is easy. Book an appointment for your puppy’s or kitten’s health check with your local participating CVS vet. If your pet’s eligible, cover starts straight away and you can enjoy four weeks of free access to our policy benefits. (Kitten or puppy must be between eight weeks to one year of age and is subject to a CVS health check. WalkawayCover covers illness and accidents instantly. Not all breeds of dog are eligible.) Version: MIP0106 0223 v3.0
Your Pet Insurance Policy Policy wording for Walkaway Cover
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This pet insurance policy is exclusive to customers of CVS (UK) Limited. The terms, rates and features of this pet insurance policy have been negotiated by CVS (UK) Limited vets, based on the needs of CVS (UK) Limited customers. In all usual circumstances, during the period of insurance, you should seek treatment from your usual CVS (UK) Limited veterinary practice or such nominated out of hours or specialist referral centre recommended by your normal treating practice. Policy explanation WalkawayCover lasts 4 weeks (28 days) and provides a fixed amount of veterinary fees to cover all veterinary treatment required in this period. “Lifetime” refers to the ability to replace this policy before the end of the four week period by taking out an annual, paid for policy with MiPet Cover. Any illness or injury covered under the WalkawayCover contract will ONLY THEN continue to be covered under the terms of your new replacement premium paying contract. If during your WalkawayCover, costs are incurred that will or have exceeded the veterinary fee limit, you may purchase an annual policy to continue cover and contribute to the remaining costs. The annual policy MUST be purchased before your WalkawayCover expires. If purchased outside of this timeframe, cover will NOT be deemed as continuous and the claim will NOT be covered under the annual policy under any circumstance. In order to ensure you have ongoing coverage please contact us on 0808 164 8000 so that we can provide you with a quotation for your pet’s future cover needs.
Contents
MiPet Cover Benefit
Free WalkawayCover
What words mean
3
Lifetime
Policy type
Introduction
6
What we ask of you
6
£500
Vet’s fees (total for all conditions in the four week period)
What we will not cover
7
Section 1: Veterinary fees (treatment to your pet) 8
Puppies £100 Puppies 10%
Kittens £100 Kittens 10%
Fixed excess (Per condition, per policy period)
Section 2: Third party legal liability (claims against your or your dog)
10
Section 3: Death of your pet (illness)
12
Variable excess (Payable in addition to the fixed excess)
Section 4: Death of your pet (injury)
12
Section 5: Advertising costs (if your pet is lost or stolen, UK only)
Death from illness
Up to £150
12
Section 6: Reward costs
(if
Death from accident
Up to £150
(if your pet is lost or stolen, UK only)
12
Section 7: Boarding fees (UK only)
12
Advertising
Up to £150
Cancellation
13
I’m having financial difficulty
xx
Reward
Up to £100
Claims
13
Boarding and kennel fees
Up to £250
Fraud
14
Complaints procedure
14
Third party liability (dogs only)
£1M
Data protection
15
Helplines
16
Helplines
Fixed excess: The amount you have to pay as part of certain claims made under the policy as shown in your policy schedule and will be payable each year for each illness or injury. Guarding: Your pet being used for commercial security work or if you or anyone living with you hold a Security Industry Authority (SIA) license of any description and carry out any activity that the SIA license allows. Illness: changes in your pets state of health that are not caused by an accident, or any which may be resulting from gradual or biological cause. Incident: Any clinical sign of injury or illness in your pet . Injury: Clinical sign or symptoms of changes in your pet’s normal state of health resulting from one individual accident including multiple injuries resulting from one accident . Market value: If, following the unfortunate death of your pet , you are unable to prove how much you paid for it we will work out the current value based on your pet’s age, breed, pedigree and breeding status. Period of insurance: The period for which the premium has been paid and for which your pet is covered as shown on your policy schedule .
What words mean Certain words or phrases in your policy have a particular meaning whenever they appear in bold. These words and their meanings are explained below: Accident: One sudden and unexpected event which happens during the period of insurance resulting in injury or death to your pet . Alternative medicine: Herbal or homeopathic medicine recommended by your vet and prescribed by a suitably qualified vet . Complementary medicine/therapy/treatment: Acupuncture, hydrotherapy, osteopathy, physiotherapy and chiropractic therapy recommended by your vet and carried out by a suitably qualified person that has been specifically recommended by your vet . Commercial breeding: Any pet that has had more than 2 litters in its lifetime. Dental: Any treatment of the teeth gums or mouth.
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any questions asked or the answers you have given then please contact our Customer Services Department on 0808 164 8008.
Each renewal is the start of a new period of insurance. MiPet Cover: Is a trading name of CVS (UK) Limited which is an appointed representative of Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales number 02982445. Registered office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at www.fca.org.uk/register Pet: Your dog or cat who lives with you all of the time at the address shown on your policy schedule . Policy: Your policy wording and most recent policy schedule. Policy wording: This document tells you what you can or cannot claim for under your policy . Policy schedule: The policy schedule shows details about you , your pet , policy limits and excesses that apply to the specific cover that you have purchased. Pre-existing condition: Any illness or injury or complication directly resulting from another injury or illness , whether diagnosed or undiagnosed that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance. Terrorism: Means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear Treatment: Any examination, consultation, advice, tests, x-rays, ultrasound, CT scan, MRI scan, drugs, or medication administered or prescribed surgery, nursing, or care; provided by, or under the direction of, a vet . Unattended: Any occasion where your pet is left alone or out of sight. United Kingdom/UK: England, Scotland, Wales, Northern Ireland, and the Isle of Man. Variable excess: The percentage amount you are required to pay towards the costs of Treatment in addition to the Fixed excess . Vet/Veterinary/Veterinary Surgeon: A member of the Royal College of Veterinary Surgeons actively working as a veterinary surgeon in the UK . We/Us/Our: Insurance Factory Limited acting as administrators for West Bay Insurance Plc, registered in Gibraltar No 84085.Registered Office: 846-848, Europort, Gibraltar. Regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting Insurance business in the UK (Financial services Register Number 211787) These details can be checked on the Financial Services Register at www.fca.org.uk or by the Prudential Regulation Authority on 020 7601 4444. West Bay Insurance Plc. is a member of the Association of British Insurers. You/Your: The person named on the policy schedule who is the owner and carer for the pet . Consumer Insurance (Disclosure and Representations) Act 2012 When taking out your policy , you must take all care in answering all questions asked honestly and to the best of your knowledge. This includes anything asked within your application for insurance as well as any information relating to your pet’s medical history. Your failure to supply truthful answers could mean your policy is cancelled or your claim is not paid or fully paid. If you are not sure about
Introduction This is a pet insurance policy that lasts for 4 weeks (28 days). Your insurance contract is made up of this policy wording, your policy schedule and the information you gave when arranging this insurance or at any time after. To know exactly what is covered by your insurance contract you need to read your policy wording together with your policy schedule . In return for completing the application, we will in the event of injury , loss, or damage happening within the period of insurance provide insurance cover as described in the following pages and referred to in your policy schedule . Who provides your insurance? MiPet Cover pet insurance is arranged and administered by Insurance Factory Limited, authorised and regulated by the Financial Conduct Authority under Financial Services Register number 306164, a company registered in England and Wales (company number 02982445); registered at 45 Westerham Road, Sevenoaks, Kent TN13 2QB. Insurance Factory Limited is part of the Markerstudy Group of companies. The insurance is underwritten by West Bay Insurance plc. Registered in Gibraltar No 84085. Registered Office: 846-848, Europort, Gibraltar. Regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting Insurance business in the UK (Financial services Register Number 211787). These details can be checked on the Financial Services Register at www.fca.org.uk or the Prudential Regulation Authority on 020 7601 4444. West Bay Insurance Plc is a member of
the Association of British Insurers. The law that applies to this policy
You and we are free to choose the law applicable to the policy , but in the absence of agreement, to the contrary the law of the country in which you are resident at the time of the contract will apply. If you are not resident in the United Kingdom , the law which will apply will be the law of England and Wales and by purchasing this policy you have agreed to this. Travelling with your pet This policy is valid in the UK only. Renewal terms This policy will not renew, should you wish to have cover longer than 28 days you must start a full premium paying policy within the 4 week period. If we offer further periods of insurance , the premium and the policy terms will be subject to our underwriter terms at that time. Making changes once the policy has started Please contact us as soon as you are aware of any changes that need to be made to your policy , such as your postal address, phone number or email address. A change in your or your pet’s details may mean the premium for the rest of the period of insurance may change as well. Upgrading your cover Should you decide to start a premium paying policy within the 28 days allowed, the level of cover will be changed to reflect the cover applicable to your new premium paying policy .
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11. You must provide and pay for all information, documents, and assistance that we request; including vet certificates and records, details of any other relevant insurance that may apply, and supporting evidence of any claim and the circumstances around the claim. 12. You agree that your current and/or previous vet may release all information or records regarding your pet to us or our agent and that we may release information about your policy to any vet who has either treated your pet or is about to treat your pet . If the vet charges you for this information you will be responsible for the costs. 13. If there is a disagreement between your vet and our vet , an independent vet mutually agreed upon by both sides will be appointed and act as arbiter, whose decision both you and we must keep to. 14. You agree that we may take over any claim and deal with it in your name. 15. We will not make any payment for any claim covered by other insurance until that cover has been used up. 16. You agree to read and follow the terms of the Animal Welfare Act 2006, and Control of Dogs Order 1992. Any dog in a public place must wear a collar with the name and address of the owner engraved on it, or engraved on a tag. Your telephone number is also advisable. What we will not cover This policy will not cover: 1. Any claims for a pet not named in the policy schedule. 2. Any claims made for any incident that happens outside of the period of insurance . 3. Any death or destruction of your pet as a result of illness resulting from the failure to vaccinate your pet in accordance with the practice recommended by the British Small Animal Veterinary Association 4. Your pet being used for commercial breeding purposes (this is where your pet has had more than 2 litters in its lifetime) track racing, coursing, or used in connection with any business, trade, profession, or occupation (whether you are paid for such purposes or not). 5. Any pet that has previously shown signs of aggressive behaviour, been trained to attack or is used for guarding . 6. Any claims for a pet under the age of eight weeks . 7. Any claims under any section of cover where your pet is over 1 year of age at the start of the policy . 8. Any claims arising outside the territorial limits of the United Kingdom. 9. Claims where any injury or illness is due to war, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, terrorism , revolution, insurrection or military or usurped power. 10. Claims where any injury or illness due to ionising radiations or contamination by radioactivity from any fuel or from any nuclear waste from the combustion of nuclear fuel. 11. The taking of your pet or it being put to sleep by Government or Public Authorities, or under the Animals Act 1971 United Kingdom and the Control of Dogs Act 1986 and Control of Dogs (amendment) Act 1992, Republic of Ireland or contravention of the
Dual insurance You must tell us if you have another insurance policy which covers your pet for anything this policy covers. If there is any other insurance under which you are entitled to make a claim you must report the incident to that insurance company and tell us their name and address and your policy a nd claim number with them. We will not make any payment for
(a) All pollution or contamination which arises out of one occurrence will be deemed to have occurred at the time such occurrence takes place; (b) Our liability for all damages and claimants costs and expenses payable in respect of all pollution or contamination which is deemed to have occurred during the period of insurance shall not exceed £1,000,000 in the aggregate
Dogs (Protection of Livestock) Act 1953. 12. Any claims if your pet is put to sleep due to a court order or the Contagious Diseases Act. Claims arising due to the intentional slaughter, irrespective of any order by Government, Local Authority or any person having jurisdiction in the matter. 13. Any claim which is due to you breaking the United Kingdom or Republic of Ireland laws, or regulations, including those laws or regulations which deal with the health of your pet , vaccinations or the moving of your pet from one country to another. 14. Any claim for deliberate injury to your pet or where it has not been cared for properly by you , anyone who lives with you , employees, or members of your family. This includes your pet not being fed properly, not giving it proper shelter or medical attention when required. 15. Any medication or treatment not recommended by a vet . 16. Any pet that is an African Crested Dog, Aladseer, American Akita, American Bandogge, American Bulldog, American Bully, American Mancon, American Pit Bull Terrier, American Pocket Bully, American Staffordshire Bull Terrier, Argentinian Mastiff, Australian Dingo, Bandogge Mastiff, Bandogs, Boar Hounds, Boerboel, Bully Kutta, Canadian Inuit, Canary Dog, Cane Corso, Cao Fila, Chinese Shar Pei, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiros, Dogue de Bordeaux, Fila Braziliero, Grand Bleu de Gascoigne, Inuit, Irish Staffordshire Bull Terrier, Japanese Tosa, Korean Jindo, Laika, Lybian Desert Dog, Mexican Hairless (Miniature, Standard or Intermediate), Northern Inuit Dog, Perro De Presa Canario, Pit Bull Terrier, Portuguese Podengo, Presa Canario, Racing Greyhound, Saarloos Wolfhound, Segugios Italiano, Shar Pei, Tamaskan, Tosa Inu, Utonagan, Wolf Dog, Wolf Hybrid, Working Sheepdog, Asian Leopard, Feral, Munchkin, Weiner Cat, or a pet crossed with these, or any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) order 1991 or Dangerous Dogs (amendment) Act 1997 or any subsequent amendments or a pet crossed with any of these. 17. Illnesses which your pet previously suffered from before the start of this insurance or any pre-existing condition . 18. Injuries from which your pet previously suffered from before to the start of this insurance. 19. Your pet being used for track racing, coursing, or used in connection with any business, trade, profession, or occupation. 20. If your pet has treatment when abroad and you pay the vet bill then we will not be responsible for any money you lose because the exchange rate changes. 21. Where fraud has been committed against us or where false information has been provided to us . 22. Any claim where you have cover under any other insurance until that cover is used up. 23. Any pet sold or where any financial interest whatsoever is parted with by you , whether temporarily or permanently. 24. Any claim under Section 3 – Death of your pet ( illness ) for your pet once over one year of age. 25. Any incident in respect of pollution or contamination of buildings or other structures or of water or land or the atmosphere. We will however cover any incident directly caused by a sudden identifiable unintended and unexpected occurrence which takes place in its entirety at a specific moment in time and place during the period of insurance provided that:
any incident covered by any other insurance policy . Financial Services Compensation Scheme (FSCS)
Section 1: Veterinary fees (treatment to your pet)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk). What we ask of you Like all insurance policies there are some things that you are not allowed to do if you want us to pay for the claims you make. You must do as we ask below, if you do not then we may cancel your policy , not deal with your claim or reduce the amount we do pay. If there is anything we ask that you do not understand then please contact us as soon as you can. Should your circumstances change during the policy please contact us to confirm that your cover remains in force. 1. To the best of your knowledge and belief that at the start of this insurance your pet is in good health and free from any injury , illness or physical disability. 2. The CVS (UK) Limited vet who has provided you with the application has confirmed to you that your pet is not suffering from any illness or injury . 3. You confirm you are not the breeder of the pet , this cover is not available to pets that are part of a litter awaiting sale. 4. You must be the owner of the pet and your pet must be a minimum of eight weeks old and no older than the age set out in the policy schedule on the start date of the policy . Please note the maximum age for four week free cover is one year of age. No cover is available more than 28 days after your pets 1st birthday. 5. Your pet must be named on the policy schedule . 6. Your pet must live with you at the UK address given in the policy schedule . Your cover will cease immediately if your pet is sold or where any financial interest whatsoever is parted with by you , whether temporarily or permanently or if your pet is no longer ordinarily resident in your home. 7. You must contact us as soon as you become aware of any circumstances that could result in a claim. 8. You must take your pet for appropriate vaccinations DOGS; against distemper, hepatitis, leptospirosis and parvovirus. CATS; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia OR; As advised by your vet due to the particular needs or circumstances of your pet . All vaccinations must be administered under vet supervision. 9. Homeopathic vaccines are not acceptable. 10. You must provide proper care and attention to your pet at all times and pay to have any treatment normally recommended by a vet to prevent illness , injury , or disease.
What is covered? The cover is provided for an accident , illness , or injury occurring to your pet , subject to the limit of cover shown on your policy schedule for each period of insurance to cover all injuries or illness . The fixed excess and variable excess is on a per incident , per period of insurance basis. Cover is for a standalone period of insurance of four weeks, should you wish to continue cover you must purchase a policy before the end of the 4 week period. Example of how to calculate the amount you will have to pay in the event of a claim. A valid claim arises for a pet’s veterinary fees totaling £300.00
Amount Claimed
£300
Less Fixed Excess
£100
£200
Less Variable Excess
10% = £20
£180
Total Excess paid by you
£120
Total paid by us £180 Dental - we will pay fees for dental treatment as a result of an accident only and subject to evidence of yearly dental check-ups where any work recommended is carried out at your own expense we will also cover dental treatment as a result of illness . Where treatment for different, injuries or illnesses are carried out at the same time and the cost of treatment cannot be identified. The cost of treatment will be split equally between each injury or illness with the fixed excess and variable excess applied to each part. We will contribute to the cost of your pet’s prescription food, up to a maximum of £100 per period of insurance as long as it is prescribed by your vet and can only be bought from a veterinary surgery or online pharmacy and it is to dissolve bladder stones or crystals in urine and for no other purpose. We will not be liable for any other dietary costs under this policy . The maximum that we will pay for special diet is £100 for up to 28 days per period of insurance . Please note any special diet payment for bladder stones or crystals in urine will cease once these are dissolved. We will not continue to pay as a preventative measure to stop the stones re-occurring. Fees for putting your pet to sleep (Euthanasia) - It is a condition of this policy that we provide cover or benefit in respect of Euthanasia up to a maximum of £100 and only if it is recommended by your vet to alleviate incurable and inhumane suffering. What is not covered? 1. Policy excess, these are shown on your policy schedule . i. The fixed excess is a fixed amount payable once per injury or illness per period of insurance , each separate i njury, or illness not resulting from the same incident will require a separate
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tests before any other procedure if your pet is less than eight years old. Unless there is something in your pet’s medical history to suggest your pet’s health may be at risk from the anaesthetic, surgery, or procedure. 34. Fees resulting from an injury or illness that is excluded on your policy schedule. 35. The cost of dentistry except as a result of an accident unless your pet has had at least one dental check with your vet in the previous 12 month period and all treatments recommended by your vet have been carried out at your own expense. 36. Any claim as a result of a ‘notifiable’ disease (as defined by DEFRA https://www.gov.uk/government/collections/notifiable- diseases-in-animals) e.g. rabies. 37. Any post mortem costs. 38. Any charges in respect of disposal, cremation, or burial of your pet. 39. Incremental costs caused as a result of the late submission of your claim. Signs of injury You must arrange for a vet to examine and treat your pet as soon as possible after it shows clinical signs of an injury . If we decide this may not be the case we may refer the case to an independent vet . If it can be established that the delay in arranging treatment has or is likely to result in additional costs or expenses being incurred we reserve the right to either refuse to admit the claim or make a deduction from any settlement to reflect these increased costs or expenses. Second Opinion Vets There may be times when you wish to take your pet to a different vet as you are unhappy with their diagnosis or treatment suggestions, all requests for second opinions must be agreed by us in advance of treatment , however should the second opinion vet agree with the first diagnosis or treatment then we shall only pay for one claim. Claims Information Before your pet is treated check that your vet is willing to provide medical history and supply us with the supporting invoices. We will not pay for the vet to do this. The invoices and full clinical history must be returned to us within 60 days of the pet receiving the treatment for your claim to be considered. Please make sure that you have indicated to whom we should make the payment. If you are submitting a claim for an on-going injury your vet must still complete a claim and supply us with the supporting invoices on each occasions that treatment is provided. If your pet is referred to a specialist please make sure that the vet who normally treats your pet has completed a separate claim submission for the initial costs. We will not normally be able to assess the claim and supporting invoices from the referral practice until we have processed the initial treatment from your own vet . With your authority we will pay your claim settlement directly to the vet on your behalf. If you have asked us to pay your vet we will send payment directly to the practice and if there is any amount other than the fixed excess and variable excess that we cannot pay because the costs are not covered we will tell you in writing. You must settle with your vet any amount we cannot pay.
seriously endanger its life. 16. Travelling expenses incurred by your vet unless the vet deems that to move your pet would seriously endanger its health. 17. Any charges greater than £100 in respect of euthanasia even in the case of your vet putting your pet to sleep to alleviate incurable and inhumane suffering following an accident or illness . 18. Any charges in respect of euthanasia in the event that this was caused by a pre-existing condition or condition not covered by the insurance. 19. Any claim for any form of housing or bedding needed for the treatment or wellbeing of your pet . 20. Every claim will be reviewed by an internal pet claims assessor and compared to charges for the same or similar treatment within the same area to ensure that the treatment and veterinary fees are reasonable, necessary, essential, and not excessive. 21. Any charge for surgical equipment that can be used more than once. 22. Any fee charged by your vet to complete the claim submission or any ancillary administration fees for example dispensing fees, late payment fees, claim completion fees, administration referral fees to specialist vets , or referral fees and x-ray referral fees. 23. Prescription foods or diets of any type including obesity and weight control prescription foods except prescription food subject to a maximum of £100 to prevent the formation of bladder stones and crystals in urine where we will pay the difference above normal feeding costs. 24. The cost of any form of housing, including cages, whether hired or purchased. 25. Nutritional supplements and vitamins unless prescribed by a vet to take the place of medication and if they have a proven effect upon an injury or illness or something directly caused by an injury or illness . 26. Any treatment administered outside the period of insurance . 27. Fees for unapproved alternative medicine or complementary medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage, and faith healing). 28. The cost of any treatment or complementary therapy connected to or resulting from organ transplants and fitting full or partial artificial limbs (prosthesis) with the exception of costs relating to replacement hip, elbow and or knee joints including pre and post- operative care. 29. The cost of any treatment , or issues arising from treatment , that you choose to have carried out that is not directly related to an injury or illness , including cosmetic dentistry or surgery. 30. Any overseas treatment costs where the journey abroad was specifically made to obtain treatment or where the vet confirms treatment can be delayed safely until your return home. 31. The cost of routine or investigative tests or diagnostic procedures, unless these are being undertaken specifically to diagnose an injury or illness due to specific existing symptoms or clinical signs and where such a diagnosis will potentially alter the course of treatment . 32. The cost of any procedures involved in the diagnosis of an injury or illness that are carried out again when your pet is referred to another vet . 33. The cost of routine blood tests including blood tests carried out before surgery, or before anaesthetic for surgery or routine blood
fixed excess . ii. The variable excess is an additional percentage excess applied after the fixed excess . This is applicable on a per incident , per claim basis. iii. If treatment is received at the same time for a number of injuries or illnesses , including treatment carried out under one anaesthetic. A fixed excess and variable excess will apply to the treatment received for each injury or illness . 2. Any treatment more than the policy limit shown on the policy schedule for all incidents in the period of insurance . 3. Any treatment after the policy has ended. 4. Any pre-existing condition. 5. For any cost of spaying, or partial cost of any treatment that includes ovarian hysterectomy as a preventative for any illness , including (but not limited to) false pregnancy, or mammary tumours. 6. Preventative or elective treatments , routine examinations and treatment including but not limited to :
Section 2: Third party legal liability (claims against you or your dog) What is covered? We will pay up to £1,000,000 for damages and costs ordered to be paid by any court in the UK. We will make this payment if your pet (dogs only) is found to be to blame for any injury or damage that happened during the period of insurance , to the following: 1. Bodily injury, death, sickness, or disease to any person who is not in your employment or who is not a member of your family or living with you . 2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you , anyone in your employment or any member of your family or living with you within the United Kingdom. The most we will pay under this section of the policy for all incidents occurring within the period of insurance will be £1,000,000. If someone else is looking after your dog when the injury or damage happens, we will still pay as long as: 1. You asked them to look after your dog. 2. You did not agree to pay them to look after your dog. 3. The injury or damage was not to them or their property. What is not covered? 1. Policy excess , this is shown on your policy schedule . 2. You must pay any policy excess due under this section of the policy , as shown on your policy schedule , when we request it following an incident that may give rise to a claim. Failure to pay the excess when requested may result in us refusing to pay additional costs incurred or in us refusing to deal with any third party claim. 3. Claims where your pet has not been found to be to blame by a court of law. 4. Claims for incidents that happen outside the period of insurance . 5. Any payment if the injured person is part of your family, lives in your home, works for you , or is looking after your pet or is paid to look after your pet. 6. Any payment if the damaged property belongs to you or a person who is part of your family, lives in your home, works for you , is looking after your pet or is paid to look after your pet . 7. Any claim for injury or damage to property which you or a family member could have stopped but deliberately chose not to. 8. Any claim resulting from a period when your pet was left unattended. 9. Cover is not in force at any place where you or members of your family are subject to a contract of employment, carry out self- employed or voluntary work. 10. Cover is not provided at any event of conformation show, agility event, working trial or Schutzhund competition. 11. Cover is not provided at any organised shooting or sporting event. 12. Any liability arising from an agreement which imposes a liability on you which you would not be under in the absence of such an agreement. 13. Compensation or legal costs where the injury or damage was caused by the deliberate acts or omissions of you or members of your family.
i. Killing and controlling fleas. ii. Routine spaying or castration. iii. Whelping or kittening. iv. Routine removal of dewclaws. v. Routine worming. vi. Routine blood tests.
vii. Any treatment in connection with pregnancy or parturition. viii. Or any cost as a result of failure to carry out these procedures. 7. We exclude all costs for elective spay or castration, and in situations where the spay or castrate are in order to prevent future medical or behavioural issues of any sort. Cover will be provided when your pet is suffering an immediate and critical medical condition and the spay or castrate is essential and necessary for the treatment of that condition. 8. Any claim or treatment for cryptorchidism (retained testicle(s)) unless your pet was under 12 weeks of age at the start of the policy. 9. The cost of bathing, grooming or de-matting your pet unless a vet confirms only a vet or a member of a veterinary practice can carry out these activities. 10. Behavioural problems and training unless caused as a direct result of an insured incident occurring during the period of insurance . 11. The cost of spay or castrate as a treatment of a behavioural condition . 12. Sex hormonal problems unless directly resulting from a valid claim. 13. Any cost of pheromone products, including DAP diffusers and Feliway and/or similar feline facial pheromone products used in either a spray or an electric diffuser format unless agreed as part of a behavioural program for a maximum period of one month. 14. The cost of any treatment outside normal surgery hours except for treatment that a vet considers cannot wait until normal surgery hours (necessary treatment ) because it would seriously endanger your pet’s health. The vet that treated your pet must also confirm this in writing when, your veterinary claim is submitted for necessary treatment outside of normal hours the additional charge is limited to a maximum of £100. 15. Non-essential hospitalisation and/or ambulance charges and/or house calls unless the vet declares that to move your pet would
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If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet’s death. What is not covered? 1. Death caused by an accident . 2. Death caused by any illness that occurs prior your pet’s insurance first starting. 3. Any claim where the illness is excluded from claim under Section 1 veterinary fees. 4. If at the time of death your pet is over one year and 28 days of age. 5. If your pet is put to sleep due to aggression unless this can be attributed to an illness . 6. Any claim where your pet is put to sleep due to aggression unless this can be attributed to an illness . 7. Any claim where you are not able to provide us with confirmation from your vet or statement from an independent witness.
14. Any claim if your pet is a cat. 15. Any claim resulting from your pet passing on any disease or virus. 16. Any claim where you have not followed advice given to you by previous owners of your dog or by any rehoming organisation about your dog’s behavioural traits. 17. Any claim whilst your pet is being transported in a motorised vehicle. 18. Fines, penalties or your breach of quarantine restrictions or import or export regulations. 19. Any damages, costs or expenses if you are insured under any policy which covers any liability relating to your pet (including your household insurance) unless that cover has been used up. 20. Any claim costs over the policy limit under this section of your policy . 21. Any amount over £1,000,000 in respect of all incidents occurring during the period of insurance . 22. Any claim for incidents outside of the UK . Special conditions that apply to this policy section 1. You must contact us as soon as there is an incident that could lead to a claim. 2. You must not admit to anyone that your pet was at fault, offer any payment, make a payment, or try to agree a payment. 3. You must forward on to us any letters, writs, summons, or other legal documents you receive, without delay, and you must not answer them. 4. You must tell us what happened or if you do not know, try to find out what happened following an incident. You must also give us a written statement as to what happened if we ask and go to court if required. 5. We may pay what we think is a fair amount to settle any claim made against your pet. 6. We will have complete control of any claim or the defence of any legal proceedings. 7. You must not give anybody information or anything that could help them claim against you other than giving them your policy number and name and address of us . In relation to any third party liability claims, we may pay up to the limit of your stated policy cover or lesser amounts for which any claim can be settled (after deduction of any sum or sums already paid as compensation) and shall be released from any further liability under this policy (except for costs and expenses of litigation recoverable or incurred with our consent prior to the date of such payment).
Section 4: Death of your pet (injury)
What is covered? If your pet dies because of an injury, or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to stop the suffering of your pet, due to injury during the period of insurance, We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule. This payment is subject to the maximum policy limit shown on your policy schedule. If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet’s death. What is not covered? 1. Death caused by an illness . 2. Death caused by any injury that happens prior to or within 24 hours of your pet’s insurance first starting. 3. If at the time of death your pet is over one year of age. 4. Any claim where your pet is put to sleep due to aggression unless this can be attributed to an injury . 5. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep. 8. Any claim where you are not able to provide us with confirmation from your vet or statement from an independent witness.
Section 3: Death of your pet (illness)
Section 5: Advertising costs (if your pet is lost or stolen, UK only)
This section does not apply in the case of your pet being more than one year and 28 days old.
What is covered? If your pet is lost or stolen, we will pay you back what you spent for advertising in a local newspaper or other approved costs for recovery of your pet (previously agreed by us ) up to the maximum sum as shown in your policy schedule per period of insurance . We will not be liable for: 1. Reimbursing any money you spend trying to find your pet if we have not agreed to the way you are doing this.
What is covered? If your pet dies because of an illness , or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to stop the suffering of your pet , due to illness during the period of insurance . We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule . This payment is subject to the maximum policy limit shown on your policy schedule .
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4. Any costs if you or your family member who permanently lives with you goes into hospital as a result of pregnancy, giving birth, alcoholism, drug abuse, drug addiction, attempted suicide, self- harm or hospitalisation that is not directly related to being ill or injured. 5. Any costs resulting from nursing home care or any convalescence care that you do not receive in a hospital. 6. Boarding fees if you or your family member who permanently lives with you have previously gone into hospital for the same illness or injury . 7. Any stay in hospital that you were aware could happen when you arranged the policy . 8. Transportation costs for you and your pet to or from the boarding kennel/cattery establishment. 9. Where the incident which led to the incurring of boarding fees occurred outside of the period of insurance . 10. Any payment to a person permanently living at the address shown in your policy schedule or member of your family. 11. Any claim in excess of the limit shown on your policy schedule per period of insurance . 12. Any costs if you do not attend hospital for a continuous period of more than seven hours a day over a continuous period of no less than 96 hours whilst a family member who permanently lives with you have an illness or injury which requires you to attend hospital. Claims Conditions When you or your family member who permanently lives with you leave hospital, you/they should obtain a medical certificate and send us the medical certificate and the receipt from the boarding kennels/ cattery.
2. More than £50 for cost of advertising materials. 1. Any amount in excess of the policy limit under this section of your policy.
4. Where your pet has not had a check-up since owning it or you fail to keep your pet vaccinated against distemper, hepatitis, leptospirosis and parvovirus in the case of dogs; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia in the case of cats; and as advised by your vet in accordance with General Conditions 7 of this policy ; or 5. Where we have grounds to suspect fraud; or 6. Where you use threatening or abusive behaviour towards a member of our staff or a member of staff of your vet or our supplier. We will do this by giving you notice in writing to your last address notified to us. We have the right to terminate this policy with immediate effect in the event that your premium is not received ten days after the due date. Your last given address may include an email address given by you to accept mail.
Claim form completion We will never guarantee payment of a claim over the telephone. If you want to make a claim you must complete your sections of the claim form and for veterinary fees, arrange for your vet to fill in their part along with a full medical history and return to us within 60 days of the pet receiving the treatment or as soon as possible thereafter. For death claims we will additionally require the original purchase receipt, vet’s confirmation of death or independent witness statement. We only accept invoices that are on a veterinary practice headed paper and contain VAT amounts and a VAT number if your vet is VAT registered. Financial and treatment histories headed “Insurance report” or similar are not acceptable. You will be responsible for any costs charged for the completion of the form. If all or part of your claim cannot be paid we will tell you in writing. Send your claim form and supporting documents to:
Section 6: Reward costs (if your pet is lost or stolen, UK only)
What is covered? If your pet is lost or stolen, we will agree a suitable reward to be offered for recovery of your pet (previously agreed by us) up to the maximum sum as shown in your policy schedule per period of insurance . Although you are free to decide the amounts you wish to offer as reward we apply a maximum of the lower of the full maximum benefit available for rewards or the purchase price declared on your policy schedule. What is not covered? 1. Any reward to anyone who is a member of your family or by any person employed by you or living with you . 2. Any reward paid to the person who was caring for your pet when it was lost or stolen. 3. Any reward to the person or persons who stole or was involved in the theft of your pet. 4. Any reward greater than the declared value of your pet as shown on your policy schedule. 5. Any reward where you can’t give us a signed receipt giving the full name, address and telephone number of the person who found your pet. 6. Any amount in excess of the policy limit under this section of your policy . Section 7: Boarding fees (if your pet is lost or stolen, UK only) What is covered? We will reimburse you for boarding fees for your pet in a licensed boarding establishment, or daily minding in your own home up to the amount shown on your policy schedule if boarding and subject to a limit of £5 per day in pet sitting in your own home if during the period of insurance : (a) You have an illness or injury which requires you to go into hospital for more than 96 hours; or (b) a family member who permanently lives with you has an illness or injury which requires you to attend hospital for periods of time of no less than seven hours a day over a continuous period of no less than 96 hours and your pet stays in a licensed kennel /cattery while you are in or attending hospital and no other member of your family permanently lives with you is able to look after your pet . What is not covered? 1. Claims during the first 14 days of the commencement of insurance. 2. Any costs if you are in hospital for less than 96 hours. 3. Any costs if you or your family member who permanently lives with you goes into hospital if you or they had symptoms of being ill or injured before your policy first started.
MiPet Cover Pet Insurance 2nd Floor, 5000 Lakeside
I’m having financial difficulty
North Harbour Western Road Portsmouth PO6 3EN Subject to policy terms and conditions we will pay your claim if the claim form is correct and complete: 1. When we have all the information we need. 2. When we are sure that the claim is covered. 3. When any legal action or other action has been settled. If it is more convenient and your vet agrees, we can pay claims directly to your vet, after deductions. You can tell us to do this when you make a claim. We will not pay veterinary fees directly to anyone who is not a vet. If you have asked us to pay your vet we will send payment directly to your vet and if there is any amount other than the fixed excess and variable excess that we cannot pay because the costs are not covered we will tell you in writing. You must settle with your vet any amount not covered under this policy . If we have made any overpayment regarding claim settlements, we will contact you to discuss the best way for that money to be paid back to us. If any liability under this insurance is covered by any other insurance policy we will not pay any claims until that cover is exhausted. Following a claim we may try to get back any money we have paid from the person(s) that injured your pet.
If you are paying for this insurance monthly and you think you may be unable to meet your regular policy payments, please contact us as soon as possible. We have specialists on hand who can agree how best we can help with your financial situation. There are several ways we may be able to help, including moving your payment dates. Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us as soon as you can. If you’re paying annually, please review your cover and check that it meets your requirements, and again, please contact us to discuss how we can help you. Additional financial help is available externally from Money Helper which is a free service provided by the Money and Pensions Service: www.moneyhelper.org.uk/debt-advice-locator.
Cancellation
You may cancel this policy at any time by calling us on 0808 164 8008 or writing to us at:
MiPet Cover Pet Insurance 2nd Floor, 5000 Lakeside
North Harbour Western Road Portsmouth PO6 3EN If you make a claim within the first 14 days of the policy start date then this will be taken as accepting the policy cover. The policy is a standalone contract of insurance. This policy has no premium. We can cancel this policy if there are serious grounds to do so, for example: 1. You have failed to take reasonable care in providing information in relation to this insurance as required by General Condition 1 of this policy; 2. We find evidence that your pet was suffering illness or injury at the start of the policy and you withheld knowledge of that illness or injury ; or 3. You have failed to give your help or provide information when we are entitled to request your help in dealing with a claim or with the running of this policy .
Claims
If your vet and our vet disagree about any veterinary issues connected to your claim we may appoint another vet as an independent expert that we both agree to use and whose decision we both agree to accept. In the event of any possible claim under any sections of this insurance you must notify us as soon as possible and no later than 60 days after discovery of any possible incident likely to result in a claim. Telephone: 0808 164 8001 If you do not contact us within 60 days of discovery of the incident and this prejudices our ability to verify the claim then, other than in exceptional circumstances, we will be unable to deal with your claim. You do not need to contact us before any treatment begins except for alternative medicine or complementary treatment . We will require your policy number when you call so please have this ready. Please note that calls may be monitored or recorded for training and quality purposes.
Fraud
It is unfortunate that with all types of insurance, fraud and attempted fraud can occur. We employ sophisticated fraud detection and prevention techniques to ensure we only pay out on genuine claims. By doing this we are protecting the interest of all policyholders and are able to offer a comprehensive policy with competitive premiums. You must not act in a fraudulent manner. If you or anyone acting for you : • Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect.
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