Pet Insurance Policy Summary
This Pet Insurance policy summary does not contain full terms and conditions of the cover, which can be found in the policy document. It is important that you read the policy document carefully when you receive it. A copy of the full policy wording can be obtained from your insurance adviser.
Name of the Insurer
The Insurer is Great Lakes Reinsurance (UK) PLC. Registered Office Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ
The Insurer for Section 2 (Third Party liability) is Groupama Insurance Company Ltd Registered Office: 6th Floor, One America Square, 17 Crosswall, London, EC3N 2LB.
Great Lakes Reinsurance (UK) PLC and Groupama Insurance company Ltd are authorised and regulated by the Financial Services Authority Financial Services Authority under registration numbers 202715 and 202124 respectively.
This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 6061234.
Type of Insurance and Cover
Insurance for cats and dogs only.
This insurance provides cover for veterinary fees, death from injury *, advertising and reward *, theft or straying *, boarding kennel fees*, and holiday cancellation*. Third party liability cover is provided for dogs only. *Silver and Gold policies only
Cover is available in three categories – Your policy schedule will show which level of cover you have selected and the policy wording will show which limits apply to each level of cover.
This is an annual insurance contract providing twelve months continuous cover. Your policy schedule will show the date your cover starts and ends.
This policy will be governed by the law of England and Wales, unless we have agreed in writing otherwise.
General Condition
You must ensure that your pet has received the required vaccinations, failure to comply with this may jeopardise your claim or cover - please refer to the general conditions applicable to the whole policy in the policy wording.
Throughout any period of insurance you must take all reasonable steps to maintain your pets health and to avoid injury, illness, bodily injury, death, loss, theft, straying (dogs), damage or destruction. You must also arrange and pay for your pet to have a yearly dental examination and any treatment normally recommended by a vet to prevent or reduce the risk of injury or illness.
Special conditions apply to each section of your policy – please refer to the policy wording for full details.
Significant Features or Benefits and Significant Exclusions or Limitations.
Section 1 - Veterinary Fees
All reasonable costs for treatment of your pet by a vet due to accident, illness or disease up to £1,000, £4,250 or £7,500 – Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 1 of the policy wording
Claims not reported within 60 days of occurring. Claims for illness occurring within 10 days of inception (not including renewals).
Cost of dentistry (unless as a result of an accident) or fees in connection with training or behavioural problems unless caused as a result of an insured incident.
Costs arising from preventative and elective treatments, routine examinations, vaccinations, spaying, castration, pregnancy or giving birth.
Costs following death (eg burial / cremation) .
Fees for unapproved alternative medicine.
Section 2 - Third Party Liability (Dogs only)
Legal liability up to £1,000,000.
Exclusions Under Section 2
Any loss or damage to property in the ownership custody or control of you or a member of your family or persons permanently residing with you.
Liability where indemnity is provided under any other insurance or security effected by you, unless the cover under such other insurance or security has been exhausted.
Section 3 - Death from Illness
The purchase price of your pet up to a maximum of £1,000 if it dies or in the event of humane destruction by a vet to alleviate incurable and inhumane suffering following an illness or disease. Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 3
Not applicable to Dogs 9 years of age or more and cats 11 years of age or more
If no purchase receipt is available, replacement cost will be that of a similar pet.
Any claims for a pet under age of eight weeks
Any claim if the death results from illness first occurring or showing clinical signs before cover starts or occurring with the first 14 days of the start of cover.
Section 4 - Death from Accident
The purchase price of your pet up to a maximum of £1,000 if it dies or in the event of humane destruction by a vet to alleviateincurable and inhumane suffering following an illness or disease. Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 4
If no purchase receipt is available, replacement cost will be that of a similar pet.
Any claims for a pet under age of six weeks.
Any claim if the death results from an injury that happened before your pet’s cover started.
Section 5 - Advertising and Reward
Up to 1,000 for the cost of local advertising and a suitable reward for recovery of your pet if your pet is lost or stolen. Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 5
Any claims for a pet under age of six weeks
Any reward to a person living with you.
Section 6 - Theft or Straying
The purchase price of your pet up to £1,000 if it is permanently lost due to being lost or stolen and no recovery has been made within 45 days despite advertising and the offer of a reward. Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 6
If no purchase receipt is available, replacement cost will be that of a similar pet.
Any claims for a pet under age of six weeks.
Any claim if your pet is recovered within 90 days of the theft or straying.
Section 7 - Boarding Kennel Fees
Up to £1,000 in total for boarding your pet if you or a member of your family permanently living with you is hospitalised on medical advice for more than 4 days. Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 7
Any claims for a pet under age of six weeks.
Section 8 - Holiday Cancellation
Any non-recoverable travel and accommodation expenses up to £2,000 if you have to cancel or cut short your holiday because your pet needs emergency life saving surgery within 7 days of your departure or whilst you are on holiday. Your policy schedule will show which level of cover you have selected.
Exclusions Under Section 8
Any claims for a pet under age of six weeks.
Section 9 - Accidental Damage
Up to £500 for any liability that you become legally responsible to pay due to accidental damage caused by your pet. Your policy schedule will show which level of cover you have selected.
Damage to any motor vehicle or its contents.
Damage caused by your pet vomiting, fouling or urinating.
Damage while your pet is left in a home without an adult present.
Exclusions Under Section 9
Any claims for a pet under age of six weeks.
Benefits
All levels of cover receive:-
Find a Vet Helpline
Pet Minders Helpline
Overseas (Up to 30 days for Bronze and Silver, up to 12 months for Gold)
Please see ‘Useful Telephone Numbers’ in your policy document.
Pay Vet Direct (Please see your Veterinary Surgeon at point of claim)
Excesses
Can vary, please see your Policy wording.
Cancellations Procedures
If you wish to cancel this policy within 14 days of receipt of the policy documents You may do so by writing to us. Where this happens You will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover less any agreed charges, unless a claim has been made and then the premium in full must be paid.
Claims Notifications
In the event of a claim please telephone us on 01730 268 592 providing your client reference number and we will direct you in what steps you then need to take.
Complaints Process
If you have experienced a problem with any part of our service, we will sort this out as quickly and fairly as possible
Step 1 – Please contact the Quality Manager at Healthy Pets, No 6 Ridgeway Office Park, Petersfield, Hants, GU32 3QF (Tel 01730 268 592)
Step 2 – Should you not be satisfied with the way we have handled your question or you are not happy with the answer and want to complain please write to: The Chief Executive, Healthy Pets Limited, No 6 Ridgeway Office Park, Petersfield, HANTS GU32 3QF (Tel 01730 268 592)
Step 3 – Please contact our Head of Customer Care, Great Lakes Reinsurance (UK) PLC Plantation Place 30 Fenchurch Street London EC3M 3AJ. For 3rd Party Liability complaints please contact Head of Customer Care Groupama Insurance Company Ltd 6th Floor, One America Square, 17 Crosswall, London, EC3N 2LB
Step 4 – If you are not satisfied with our final decision, you can write to the Financial Ombudsman Service at South Quay Plaza 2, 183 Marsh Wall, London, E14 9SR.
See your policy booklet on how to make a complaint.
Financial Services Compensation Scheme (‘FSCS’)
Groupama Insurance Company Ltd, Great Lakes Reinsurance (UK) PLC and Healthy Pets are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event they cannot meet their 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).
|
