What our policies cover

We recommend that you read our policy documents for the level of cover you have purchased.   You may have some questions as a result, and it’s important that you are happy with the insurance cover you’ve bought.  Our recent policy booklets are shown in the table below, you should check your confirmation email if you are unsure of what level of cover you selected for your pet.

If you purchased your policy with us before 1st August 2010, please see correct policy wording at the bottom of the page.

We offer five levels of cover for your cat or dog depending on your requirements and budget:

1 An excess of £60 is deducted from your benefit for each illness or accidental injury condition treated during the policy period. Please note, if your pet is aged 8 or over, you will have to pay 15% towards each claim for Veterinary Fees, Special Diet and Complementary Medicine, which is in addition to the deduction of the applicable standard excess.

2 A one off payment up to the amount shown upon the Death of Your Pet.

3 An excess of £250 applies to Public Liability for all policies apart from the Accident Only cover which carries £100 excess.

Please refer to the policy wording and key facts documents for full details of cover written in plain English.

Policy wording

• Policy wording - Pet Insurance (for policies bought on or after 1st January 2011)
• Policy wording - Pet Insurance (for policies bought on or after 1st August 2010)
• Policy wording - Pet Insurance (for policies bought before 1st August 2010)

Key Facts

• Key Facts- Pet Insurance (for policies bought on or after 1st August 2010)
• Key Facts - Pet Insurance (for policies bought before 1st August 2010)

Terms of Business

• Terms of Business - Pet Insurance (for policies bought on or after 20th October 2011)
• Terms of Business - Pet Insurance (for policies bought on or after 1st August 2010)

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