Jargon buster

Please note: the explanation of terms below is intended for guidance only; for contractual definitions, refer to the Policy Wording.

Additional benefits cover - optional cover that includes cover for missing pet rewards through to emergency boarding costs. The full range of benefits are:

  • Emergency boarding or daily minding fees - up to £1500 per year.
  • Advertising and reward costs - up to £1500 per year.
  • Theft or straying - up to £1500.
  • Death due to accident - up to £1500.
  • Death due to illness (age limit 5 years at time of death) - up to £1500.
  • Holiday cancellation costs (£75 excess) - up to £5000 per year.
  • Accidental damage to third party property (£75 excess) - up to £500 per year.

Annual payment - a one-off payment in advance to cover a year's insurance.

Annual policy - all policies, even when paid by direct debit, are annual policies and cover you for a full 12 months unless cancelled by either party under our standard cancellation terms.

Annual vet fees cover - the policy includes an annual vet fees benefit. You may claim up to the level of cover selected within the period of insurance. The policy is for 12 months and future periods of insurance cannot be guaranteed. You can claim for ongoing conditions so long as you continue to insure and cover continues to be made available to you.

Commencement date - the date that the policy starts.

Complementary treatment - nowadays vets are increasingly using a mixture of traditional and complementary treatments. Complementary treatments includes homeopathy, acupuncture, osteopathy, hydrotherapy, chiropractic treatments and herbal medicines.

Crossbreed - A pet whose parents are of different or unknown breeds. We are unable to cover any pet which is crossed with an animal registered under Dangerous Dog legislation or any excluded breeds.

Dangerous Dogs legislation - Any dog registered under The Dangerous Dogs Act 1991, The Dangerous Dogs (Amendment) Act 1997 or The Dangerous Dogs (Northern Ireland) Order 1991 and any subsequent amendments.

Diets - sometimes vets will prescribe a specific clinical diet to help a pet recover from an illness. Diets designed to reduce obesity in pets are not covered under this benefit.

Excess - this is the amount that you will be asked to contribute towards the cost of a claim. The excesses vary depending on the type of claim and how old the pet is:

  • Cats

    • Under 8 years you must pay the first £85 of a veterinary fees claim for each condition arising per period of insurance.
    • Pets over 8 years at the date of treatment this increases to £95 plus 15% of the remaining cost of treatment per condition per period of insurance.
  • Dogs

    • Under 8 years you must pay the first £100 of a veterinary fees claim for each condition arising per period of insurance.
    • Pets over 8 years at the date of treatment this increases to £110 plus 15% of the remaining cost of treatment per condition per period of insurance.
  • Liability claims are subject to a £250 excess for any claim for property damage.
  • Holiday cancellation claims are subject to a £75 excess.
  • Accidental Damage to third party property claims are subject to a £75 excess.

Excluded breeds - African Wild Dog, American Pit Bull Terrier, American Rottweiler, American Staffordshire Terrier, Argentine Dogo, Canary Dog, Cane-Corso, Czechoslovakian Wolfdog, Dingo, Fila Brasileiro, Japanese Tosa Inu, Johnson American Bulldog, Perro de Presa Canario, Pit Bull Terrier, Chinese Shar-pei, Wolves or Wolf Hybrids, or a dog crossed with these breeds.

Insurer - this insurance is underwritten by Covea Insurance plc.

Money back guarantee - you have a right to cancel within 14 days. Provided that you have not made a claim, you will receive a full refund of your premium.

Overseas travel cover - optional cover that is useful option if you are planning to take your pet on holiday with you under the Pet Travel Scheme to Europe, Channel Islands, Isle of Man or if you are travelling to the Republic of Ireland. The scheme allows you to take your pet into the qualifying countries without them having to go into quarantine.

  • Loss of Passport up to £250 per period of insurance.
  • Emergency Expenses up to £1,000 per period of insurance.
  • Quarantine Costs up to £2,000 per period of insurance.
  • Repeat worming treatment (dogs only) up to £250 per period of insurance.

Pedigree - a pet whose parents are both of the same pure breed.

Period of insurance - the length of time for which you are covered as noted on the policy schedule.

Pet Travel Scheme - this allows animals to travel easily between participating countries without undergoing quarantine. All animals need to have a Pet Passport, which records information related to that specific pet.

Visit the Pet Travel Scheme website for more information.

Policy wording - this sets out in full the terms and conditions of your insurance cover. It is essential that you read the wording and comply with any terms and conditions it sets out. We have made it as straightforward as possible to read and understand.

Pre-existing condition - any condition or complication directly resulting from that condition that has been identified or investigated by a vet or is known to you prior to taking your original insurance on this pet.

Premium - the amount you pay to provide annual insurance cover for your pet.

Routine treatment - typically treatments that are carried out in regular intervals, like worming, dental cleaning or vaccinations. Routine treatments such as these are not covered by the policy.

Insurance Product Information Document - some important facts about your insurance are summarised in this document. This does not describe all the terms and conditions of your policy, so please take time to read the Policy Wording. to make sure you understand the cover it provides.

Terms of business - the basis on which you do business with us. Click for more information.

Third Party Liability - optional cover for dogs only. You may be held legally liable if your dog damages another person's property or causes them death or injury. This option would provide financial cover up to £1 million per event. £250 property damage excess applies.

Please note that we are unable to cover any dog that has previously displayed vicious tendencies or is a breed listed (or crossed with any breed listed) under any Dangerous Dogs legislation or excluded breeds.

Vaccinations - along with boosters these are a vital part of maintaining your pet's health. If your pet falls ill as a result of not having a booster or vaccination, the policy would not cover the required treatment.

Working Dogs - We are able to cover working dogs provided that they are not used for breeding, racing, guarding, personal protection or search and rescue.