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Platinum Cover
This policy provides lifetime cover. It covers treatment costs for ongoing or one off conditions, illnesses and accidents. It
gives you up to £7,000 of vet treatment each year, as long as you continue to be insured with us. Claims can continue
year after year providing we offer a renewal invitation, you accept renewal with no break in cover and your premiums
are paid. Once renewed your vet fee limit will be available to use again, we do not exclude ongoing treatments. Covered
treatments will be paid for the next policy year providing you renew your policy with no break in cover. If your limit is
reached in any one year, we will not make any more treatment payments until your policy is renewed again. Treatment
fees that vets charge increase yearly and the number of visits to the vet can increase as your pet gets older.
Veterinary fees cover
What is covered What is not covered
Applicable to all cover sections Silver, Gold and Platinum.
The cost of fees charged by a veterinary practice for
consultations, tests, X-rays, surgical procedures, drugs
and medication, nursing and hospitalisation all provided
by or given under the instruction, supervision or referral
of a vet, for an illness, injury, accident or change in your
pet’s health or behaviour.
Fees includes:
•
The cost of herbal or homeopathic medicine
and physiotherapy, acupuncture, osteopathy,
hydrotherapy and chiropractic treatment if referred
by a vet;
•
Treatment for teeth or gums if they are damaged
in an accident or if an underlying illness has caused
tooth decay or gum disease or if the teeth need to be
removed to treat an illness;
•
Costs of behavioural treatment for changes to the
mental or emotional health of your pet caused as
a direct result of an insured Illness, injury, accident
which occurs while insured by this policy.
If an incident causes more than one injury to your pet
the amount paid would be up to the amount shown on
your policy schedule for all the injuries which happened in
the same incident.
Applicable to all cover selections Silver, Gold & Platinum.
The excess, this is the first part of a claim that you have
to pay.
This is paid for each incident for Silver & Gold cover
and for each incident for each period of insurance for
Platinum cover.
If you choose to pay a voluntary excess in addition to the
cover excess, this will be included in the total veterinary
excess on your schedule.
Vet fees payable for any changes in your pets health or
behaviour you or your vet notice within the first 10 days
of the first period of insurance of your policy unless
previously agreed by us.
Vet fees payable for the death or injury to your pet as a
result of an accident within the first 48 hours of the first
period of insurance of your policy.
Any treatments that are or relate to:
Procedures which are not to treat an illness or injury, or
that are preventative; pregnancy, giving birth or rearing
puppies or kittens.
Treatment for teeth or gums if they’re damaged due to
tooth decay, dental or gum disease.
Routine examinations, vaccinations, homeopathic
vaccinations, flea treatments or wormers (except under
travel cover where the cost of repeating tick and worming
treatment is covered) grooming, spaying or castration.
Any behaviour training or treatment for changes to the
mental or emotional health of your pet that is not caused as
a direct result of an illness, injury, accident which is covered
by this policy and occurs while insured by this policy.
Non-essential hospitalisation and/or house calls unless
the vet declares that to move your pet would seriously
endanger its health.
Supplements and probiotics, these are products you can
purchase over the counter or online without prescription.
They are made from foods or biological products. Joint
supplements, nutraceuticals, vitamin and mineral
supplements, and organ supplements are all examples of
these products.
For costs charged by a vet to fill or provide a prescription.
Cryptorchidism (retained testicle(s)).
The cost of prosthesis, including any veterinary
treatment needed to fit the prosthesis, other than the
cost of hip, knee and/or elbow replacement(s).
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