Pet Insurance

General Exclusions

We exclude the following types of claim. We recommend that you review the policy wording on this site for full details of the policy exclusions:

  1. Any pet:
    1. less than 8 weeks of age;
    2. more than 8 years of age at the commencement date of an Essential or Super policy, or aged 10 or over at the commencement date of a Saver policy.
  2. Any costs resulting from an illness or disease occurring or showing clinical signs within 14 days of the commencement of the relevant pet’s insurance.
  3. Any illness and disease which your pet should have been vaccinated against, unless the illness or disease is contracted as a result of vaccine failure.
    1. Existing, chronic or recurring conditions diagnosed in the last 12 months before the commencement date of this insurance.
    2. Losses directly or indirectly arising from or attributable to any condition treated or occurring during the 12 months immediately prior to the commencement date of this policy.
  5. The result of pregnancy, whelping, kittening, behavioural problems, training, therapy or post mortem costs.
  6. Any loss occurring outside the limits of the United Kingdom, unless you have the Pet Travel Policy.
  7. Any condition excluded by endorsement.
  8. Any loss or damage resulting from malicious or wilful or gross negligence of you or any member of your family, household or employees.
  9. Any dog that is required to be registered under the Dangerous Dogs Act (1991), the Dangerous Dogs amendment Act (1997) and/or the Dogs (Muzzling) Regulations (Northern Ireland 1991) or as amended from time to time.
  10. Pets used in connection with any trade, business or profession, including breeding for commercial purposes, or for racing, hunting and coursing.
  11. Loss or damage directly or indirectly occasioned by, happening through, or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power of confiscation or nationalisation or requisition or destruction of or damage to property by or under order of any government or public or local authority.
  12. Loss or destruction of or damage to any property whatsoever or any consequential loss resulting or arising from radioactive contamination and explosive nuclear assemblies. Any legal liability of any nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof.
  13. Any costs or expenditure that we do not consider to be reasonable or necessarily incurred.
  14. Any medication not prescribed by a vet or treatment not provided by a vet.
  15. Infringement of United Kingdom animal health and importation legislation.
  16. Intentional slaughter, irrespective of any order by Government, Local Authority or any person having jurisdiction in the matter, except in the case of humane destruction to alleviate incurable and inhumane suffering.
Pet Travel Policy – additional General Exclusions

In respect of the Pet Travel Policy, the General Exclusions shown in the policy are extended to include the following:

  1. General Exclusion 6 is not applicable.
  2. Any loss due to infringement of United Kingdom animal health or importation legislation.
  3. Any claim arising due to non–compliance with any part of the Pet Travel Scheme requirements, whether imposed by the Government, a carrier or other countries involved in the Pet Travel Scheme.
  4. Any claim arising from delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or any Government Officials or Authorities of any country unless specifically covered by this policy.
  5. Any claim arising as a result of travel outside of those countries included in the Pet Travel Scheme.
  6. Any costs imposed by the carrier to carry out checks whether required by them or by any Government or governing body.
  7. Any costs incurred in order to comply with the Pet Travel Scheme unless specifically mentioned.
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