Healthy Pets

Select and Select Plus policies can pay up to the policy limit (£2,000, £4,000 or £7,000) for each policy year, depending on the cover selected. There is no limit for a single condition over the policy lifetime. However, a vet fee limit applies per year for each condition so, until the policy renews, cover for a condition will stop once the annual vet fee limit for it has been reached. 

Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected. There is no limit on the number of conditions you can claim for over the policy lifetime. There is also no time limit on claiming for a condition; however, cover for a condition will stop once the Maximum Benefit for it has been reached.

Lifetime Pet Insurance policies can pay up to the annual limit (£2,000 or £4,250) in each period of insurance. The Lifetime Extra policy is subject to a maximum limit of £1,000 for each condition in each policy year. The Lifetime Premier policy is subject to a maximum of £3,250 for each condition in each policy year. There is no limit to the number of conditions you can claim for over the policy lifetime.

Accident Only policies can pay up to the policy limit (£1,000) per accident over a 12-month period, subject to you renewing your policy with us and premiums being paid up to date. Cover for an accident will stop once the financial limit has been reached or after 12 months from the date of the first treatment, whichever comes first. There is no limit on the number of accidents you can claim for over the policy lifetime.

Depending on your chosen tier of cover, your policy could offer:

• Vet fees for illness and injury up to £7,500
• Lifetime cover for your pet including ongoing conditions (subject to continuous policy renewal and paid premiums)
• Ongoing cover for eligible new illnesses
• Third Party Liability cover for dogs, up to £1 million
• Emergency boarding, up to £1,000
• Accidental damage cover, up to £750
• Cruciate ligament cover, up to £7,000

Subject to the exclusions in the policy wording, our Select and Select Plus policies will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your chosen level (£1,000, £4,000 or £7,000) and subject to you renewing your policy with us and premiums being paid up to date. Please see our Policy Benefits for more details.

Bronze, Silver and Gold Maximum Benefit policies will cover you for eligible ongoing conditions that begin after the start date of your policy, up to the maximum benefit of your chosen level (£2,000, £4,000 or £7,000) and subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover you for eligible ongoing conditions that start after the inception of your policy up to the annual condition limit of £1,000 on the Lifetime Extra cover or £3,250 on the Lifetime Premier with an overall annual limit of £2,000 or £4,250 dependent on your chosen level. The limits reinstate when the policy is renewed subject to premiums being paid up to date.

Accident Only Cover provides £1,000 per accident for treatment costs for up to 12 months from the date of the first treatment after your pet is injured in an accident, subject to you renewing your policy with us and premiums being paid up to date. 

Select and Select Plus policies will cover your pet for its lifetime up to the maximum vet fee limit for each separate condition (£2,000, £4,000 or £7,000), subject to the continuous renewal of your policy and premiums being paid.

Our Maximum Benefit policies will cover your pet for its lifetime up to the maximum amount of benefit for each separate condition (£1,000, £4,250 or £7,500), subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover your pet for its lifetime up to the maximum annual limit (£2,000 or £4,250) and condition limit of £1,000 per condition per policy year on the Lifetime Extra or £3,250 per condition per policy year on the Lifetime Premier.