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Medium Mongrel Under 1 year old, neutered male, purchase price £50
Healthy Pets Gold
Max Benefit is £7500
£165.84
Sainsbury's Premier
Max Benefit is £7500
£230.16
PDSA Premier
Max Benefit is £5000
£302.04
Debenhams
Max Benefit is £7000
£417.24
 
Healthy Pets Pet Insurance
£165.84
With a Maximum Benefit of £7500.


Data taken online 24/07/15. Postcode used GU32 3QF Full comparison page >

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 Cranbrook Underwriting Limited (For & on behalf of QIC Europe Limited). Registered Office: St Clare House, 30/33 Minories, London, EC3N 1DD.

Cranbrook Underwriting Limited (For & on behalf of QIC Europe Limited) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, under registration number 587073.

This can be checked on the FCA's register by visiting their website at www.fca.org.uk/register/ or by contacting the FCA on 0800 111 6768.

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 Bronze Silver and Gold

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 and any applicable sub limits.

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 1A - Veterinary Fees Accident Only

We will pay the claim amount for normal and customary Veterinary Fees up to the maximum Benefit Limit as shown in Your Schedule for Treatment and/or for Complementary Medicine and/or for cruciate ligament damage up to a maximum Benefit Limit as shown in Your Schedule. The Benefit Limit is applied separately to every unrelated Accident or Injury claimed for.


Exclusions Under Section 1A of the policy wording

- Any Illness.
- Payments for Veterinary Fees are limited to costs incurred within 1 calendar year from the date the condition first manifested or the maximum Benefit Limit, whichever is reached first and subject to renewal.
- Costs resulting from an Accident or Injury that first showed Clinical Signs before the Policy Start Date.
- Costs resulting from an Accident or Injury that;
Is the same as or has the same diagnosis or Clinical Signs as an Accident, Injury or Clinical Signs Your Pet had before the Policy Start Date.
Is caused by, relates to or results from an Accident, Injury or Clinical Signs Your Pet had before Policy Start Date.

Please note if Your Pet first showed any Clinical Signs; or was diagnosed with an Accident or Injury prior to the Policy Start Date, We may apply an exclusion to Your Policy in respect of this Accident or Injury.

- Any costs in excess of the total limit as shown in your schedule relating to cruciate ligament damage.
- Costs resulting from or related to any excluded Condition as shown in the Schedule.
- Any costs that is caused by, relates to, or results from Special Diet.
- Any costs that is caused by, relates to, or results from CT/MRI Scans and Associated Costs.
- Any costs that is caused by, relates to, or results from Dentistry as a redirect result of an Accident or Injury.

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 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 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


Benefits Bronze, Silver and Gold

Overseas (Up to 30 days for Bronze and Silver, up to 12 months for Gold)
Please see Useful Telephone Numbers in your policy document.

All levels of cover receive

Pet Minders Helpline
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 full refund of the premium paid, 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

Our aim is to get it right, first time, every time, however, if you have experienced a problem with any part of our service, we will sort this out as quickly and as fairly as possible.
 
Step 1 – Should you have cause to complain about this policy you should in the first instance contact
The Chief Executive, Healthy Pets Ltd, No 6 Ridgeway Office Park, Bedford Road, Petersfield, Hampshire, GU32 3QF. Tel: 01730 268 592 option 3.
 
Step 2 – If you are not satisfied with the way a complaint has been dealt with by Healthy Pets you may refer to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel: 0300 123 9123 or 0800 023 4567.
 
See your Terms and Conditions on how to make a complaint.

Financial Services Compensation Scheme (‘FSCS’)


Cranbrook Underwriting Limited (For & on behalf of QIC Europe Limited) 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).