Summary of cover

Cover options Emergency cover Standard cover
Vets fees limit £1,500 injury, £500 emergency illness treatment needed to stabilise your pet's condition £3,000 for each separate injury or illness for 12 months from the first date of treatment for each new condition.
Time limit Up to 12 months from the first date of treatment Up to 12 months from the first date of treatment
Complementary treatment Included £1,000 per condition
Consultation fees limit £45 per visit £45 per visit
Out of hours consultation fees limit £110 per visit £110 per visit
Histology fees limit £70 £70
Cytology fees limit £70 £70
Hydrotherapy or phsiotherapy limit (max 15 sessions) £35 per session £35 per session

Both policies include 24-hour helplines for Find a vet, Pet legal and Bereavement counselling

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Optional benefits
Third party liability for dogs Up to £1,000,000 should your dog cause damage to property or injure someone
Overseas Travel cover Quarantine cover, repeat tick & worming treatment, emergency expenses while abroad, loss of pet passport
Additional benefits package
  • Up to £1,000 for advertising and reward
    if your pet is lost or stolen
  • Up to £500 of your pet’s purchase price if your pet dies
    due to accident or illness (accident only on the Pet Emergency policy)
  • Up to £750 for emergency boarding kennel fees
    if you are hospitalised for more than 4 days
  • Up to £3,000 towards cancelling or cutting short your holiday
    if your pet requires life-saving surgery
  • Up to £500 of your pets purchase price for loss of your pet through theft or straying
    if your pet has not been found after 45 days
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What’s not covered

  • Claims for or connected with a pre-existing condition, symptom or event
  • Claims for any illness, disease or related condition once the vet fee benefit limit has been reached
  • Claims for or connected to any illness or disease arising during the first 10 days of the pet being covered
  • Any claims for or connected to preventative care such as vaccinations or flea or worming treatment
  • Non-essential or routine treatment or costs
  • Claims for illness other than emergency treatment required immediately for sudden and unexpected illness (Pet Emergency Cover only)

The above is only a summary of some of the exclusions. For more detailed information please refer to the pet insurance policy document and the pet emergency insurance policy document.

Pre-existing conditions

Any condition or symptoms, or signs of injury or illness, that happen or exist in any form before the pet was covered by this insurance. This includes any recurrence of that condition.