Helpline: 03331 304533

About the policy

The policy:

  • Covers dogs and cats only
  • Has 4 different choices of annual vet fees cover
  • Is available to pets of any age (from 2 months)
  • Has an introductory 10% discount (excluding additional cover options) for the first 12 months
  • Has a 10% discount (excluding additional cover options) when you insure more than one pet
  • Has optional additional benefits including theft or straying, holiday cancellation, emergency boarding, advertising and reward costs
  • Has optional overseas travel cover
  • Has optional third party liability cover (for dogs only)

The benefit of this is that you can build a policy to suit your needs and those of your pet, saving you money by not having to pay for cover you don't need or will never use.

Vet fees cover

The policy provides:

  • Annual level of cover. If you are unsure about what annual cover is just visit our Jargon buster page
  • 4 different choices of annual cover: £7,500 / £6,000 / £3,000 / £1,000
  • You can claim up to £200 per year for training and behavioural treatments which can be particularly useful if you have a young or re-homed pet
  • Within your chosen vet fees limit we cover up to £200 for clinical diets and up to 25% of your annual cover limit for complementary treatment

For more information on what is or is not covered under the policy, please read the Insurance Product Information Document or the policy wording.

The annually renewable Pet Insurance is arranged (and administered) by Sterling Client Services Limited and underwritten by Covea Insurance plc and is one of the most flexible pet insurance policies available today.


Optional Extras

Additional benefits

Sometimes the unexpected happens and our additional benefits option is there to provide you with financial support to cover costly events which may happen, sometimes as a result of a pet's illness or injury.

For instance, the policy can help relieve the additional stress of caring for your pet if you suddenly needed to go into hospital or to provide help with advertising costs and a reward should your pet go missing.

Cover benefit Limit of cover
Emergency boarding or daily minding fees £1,500 per year
Advertising and reward costs £1,500 per year
Theft or straying £1,500
Death due to accident £1,500
Death due to illness (maximum age 5 years) £1,500
Holiday cancellation (£75 excess) £5,000 per year
Accidental damage to third party property (£75 excess) £500 per year

Overseas travel

A useful option if you use (or are planning on using) the Pet Travel Scheme for your pet to join you on a holiday to Europe, Channel Islands, Isle of Man or the Republic of Ireland. The Pet Travel Scheme allows you to take a pet into one of the participating countries without them having to go into quarantine.

The overseas travel option extends the vet fees, additional benefits and the liability option if selected in the UK, as well as providing some extra travel related benefits, just in case.

Cover benefit Limit of cover
Vet fees extended to include treatment outside of the UK Yes
Additional benefits (if selected) extended to include outside of the UK Yes
Liability section (if selected) extended to include events occurring outside of the UK Yes
Loss of Pet Passport £250 per period of insurance
Emergency expenses £1,000 per period of insurance
Quarantine costs £2,000 per period of insurance
Repeat worming treatment (dogs only) £250 per period of insurance
Maximum trip length 60 days

Should your travel plans change you can add this cover on your policy at any time.

Liability cover

This option is for dogs only.

You may be held legally liable if your dog damages another person's property or causes them death or injury.

Cover benefit Limit of cover
Financial cover Up to £1 million per event

Making a claim

If you need to make a claim please refer to the guidance in the relevant section of the policy wording. If you need any additional assistance please contact us.

Once your claim has been reviewed and agreed to be valid, you will be required to pay the relevant excess. The excess will be either deducted from any settlement made to you or if your claim is settled directly with the veterinary practice, they may require you to make the excess payment to them.

Pet Each Renewal Year
Whilst under 8 years old 8 years old and over
Cat £85 £95 and 15% of the cost of treatment
Dog £100 £110 and 15% of the cost of treatment

For example:

A two year old cocker spaniel who has a claim for £1,000 of veterinary fees will require you to pay an excess of £100. Your policy will pay £900 towards the cost of the fees.

A nine year old cocker spaniel who has a claim for £1,000 of veterinary fees will require you to pay an excess of £110 plus 15% of £890. The total amount payable by you is £243.50. Your policy will pay £756.50 towards the cost of the fees.

A two year old Burmese cat who has claim for £2,000 of veterinary fees will require you to pay an excess of £85. Your policy will pay £1,915 towards the cost of the fees.

A nine year old Burmese cat who has claim for £2,000 of veterinary fees will require you to pay an excess of £95 plus 15% of £1,905. The total amount payable by you is £380.75, meaning your policy will pay £1,619.25.

Cancellation

We hope that you are happy with your policy. If not, you have a right to cancel your insurance.

You have a right to cancel your policy if it does not meet your requirements or for any other reason within 14 days of the date you receive your policy documents or the inception date whichever is the latest. If no claims have been made you will receive a full refund. Insurers reserve the right to make a charge for any cover provided during this time.

You may cancel after the 14 days have expired, however you will not automatically be entitled to any refund of premium. Insurers at their discretion may allow a refund of premium for any unexpired period of cover. No return of premium will be given in the event that any claim has been reported to Insurers.

Renewal

Your policy is for an initial 12 month period. Any renewal of your policy is at the discretion of Covea Insurance plc.