Pet Insurance Exclusions
We know worrying about what your pet insurance does and doesn't cover can be stressful. After all, you want what's best for your furry bundle, so we've pulled together some guidance to our pet insurance exclusions to make sure you know where you stand.
We know worrying about what your pet insurance does and doesn't cover can be stressful. After all, you want what's best for your furry bundle, so we've pulled together some guidance to our pet insurance exclusions to make sure you know where you stand.
Everyday Pet Care
You wouldn't have your buddy if you didn't love them, so this one is a given; you need to take proper and reasonable care of your pet, now and in the future. Keep them well-fed and well-loved and keep up with regular vet check-ups and all the necessary vaccinations. If you don't, it could affect any future claims.
Pet Insurance Eligibility
New Policies
Pets We Don't Cover
Pet Insurance and Pre-existing Conditions
When Your Cover Starts
Your pet insurance policy will commence on the date selected when taking out the policy. However, you will not be able to make a claim immediately; you will only be able to claim after 3 or 14 days.
3 Days
Incidents of poisoning and accidents that happen in the first 3 days of your policy are not covered. After 3 days, you can claim for new accidents or incidents of poisoning – it cannot be from an incident that happened in those first 3 days.
14 Days
3 Day and 14 Day Exclusion Waiver
Pet Insurance Excess
You will need to pay an excess for each condition you make a vet fees claim against. The excess payable is different across cover types.
Lifetime Pet Insurance
Maximum Benefit / Time Limited
The excess for Maximum Benefit and Time Limited policies are applied per condition. This means for each condition you make a claim for; you will need to pay the excess for that condition.
Changes to Your Excess
Third Party Liability Excess
You are responsible for paying the first £250 of any costs or compensation awarded. Please be aware that the cost is subject to change. The excess will be displayed on your Certificate of Insurance.
Third Party Liability Coverage
Dental Care
Cremation or Burial Costs
Convalescent Treatment
Be aware, the cost of post-op convalescent treatment isn't covered where the vet confirms you could have provided it in your home.
Routine, Preventative, Elective and Cosmetic Treatment
These are all excluded. This exclusion also applies to vaccinations and neutering for contraceptive purposes (as opposed to medical reasons).
Treatment for Vaccine-Preventable Conditions
Treatment related to vaccine-preventable conditions, where you've failed to vaccinate your pet is all excluded. Therefore, it's vital that you keep up will all your pet's vaccinations. If your vet were to recommend against vaccinating, we would not apply an exclusion.
The Cost of a Transplant, Prosthetic Limbs and Associated Treatment
Policyholder's Hospitalisation
Get Your Pet Microchipped
90 Days of Coverage for Pets Abroad
We'll reimburse the cost of treatment your dog or cat has received when travelling to countries in the European Union. Coverage is for a maximum of 90 days in any policy year.
