Lifetime Cat Insurance

Cover Levels

Our lifetime policy will cover vet fees up to the cover level that you choose. This is reinstated each year the policy is renewed.

If you go over your annual cover limit, you will be liable for any further costs within that 12-month period (policy term), however your annual limit is reinstated upon renewal.

What is Insured?

Veterinary fees

Our lifetime policy will cover vet fees up to the cover level that you choose.

Included within the overall veterinary fee limit is:

☑ Dental Treatment

Up to £2,000 each policy term to treat your pet.

☑ Complementary Treatment

Up to £1,000 each policy term towards vet recommended treatment to treat your pet for an illness or injury.

☑ Death from Injury or illness

Up to £1,000 towards the purchase price, or if you have no proof of purchase, up to £100 for the loss of a cat, whichever is less.

Where am I Insured?

☑ Within the territorial limits of the United Kingdom (which consists of England, Scotland, Northern Ireland & Wales).

☑ This insurance also extends your vet fees cover to your pet whilst temporarily located in a member Country of the PETS Travel Scheme, the Channel Islands, or Isle of Man for a maximum of 30 days per trip up to a total of 60 days in a policy term.

What is not insured?

This policy does not provide cover in any circumstances for:

• Any pet that is listed as an excluded breed in the Policy Terms and Conditions
• Pre-existing conditions and/or clinical signs.

Under Veterinary fees

• More than the maximum benefit in the policy term.
• Costs of treatment relating directly or indirectly to an illness or disease within the first 14 days, or to an injury or accident within the first 48 hours of the start of cover (not applicable at renewal).
• Any treatment or complementary medicine for any cruciate ligament in the first 30 days however caused, or any arthritis or any other illness or injury that develops from them.
• Costs of preventative treatment recommended by your vet, or elective treatments.
• Costs of dental treatment carried out 3 months or more after the recommendation of treatment from a vet.
• Cost of house calls, unless the vet confirmed your pet was or could have been suffering from a life-endangering condition.
• Costs of treating your pet outside normal surgery hours unless the vet considers an emergency consultation was necessary.
• Costs relating to the cremation or burial of your pet or putting your pet to sleep

Death from Injury or Illness

• Resulting from an illness within the first 14 days, or an injury or accident within the first 48 hours of the start of cover.
• As a result of breeding, pregnancy, giving birth or aggression/aggressive tendencies.
• Due to illness once your pet reaches the age of 8 years during a policy term.

What are my obligations?

• You are responsible for paying an excess in the event of a claim, refer to the policy wording for full details.
• You must answer any questions accurately and with reasonable care in relation to this insurance. If the answers you provide are not accurate, this may result in your claim being reduced, rejected or your policy being cancelled without refund.
• Monthly or annual payments must be paid on time.
• You must tell us as soon as you are aware of any information about you or your pet which has changed. This includes if your pet has shown any adverse behavioural or aggressive tendencies before the start of cover or before your policy renews.
• If you use up your vet fee limit in a policy term, you have to pay for any veterinary treatment until your policy renews if we invite renewal.
• You must make sure your pet’s vaccinations are kept up to date.
• During the policy term, you must take reasonable steps to prevent your pet suffering from an accident, injury or from contracting an illness or disease.
• You must tell us about any claim as soon as possible and be submitted within 3 months.
• You must tell us if you move abroad permanently or if you are going to be temporarily resident outside of the UK for more than 2 months of the policy term.
• You must tell us if you sell your pet, your pet no longer lives with you, or you transfer ownership of the pet to another person.

When and how do I pay?

• You can pay either annually by credit or debit card or monthly by Direct Debit.
• If you pay monthly, your policy will automatically renew at the end of the policy year; this is unless we advise you otherwise or you tell us not to.
• If you pay annually, please call us to process your renewal payment. If we do not receive your payment before the renewal date, your policy will not be renewed, and coverage will end on that date.

When does the cover start and end?

• A policy term lasts for one year (12 months) and the dates of cover are specified on your Policy Schedule

How do I cancel the policy?

• You can cancel your policy at any time by contacting us by phone, email or letter.
• If you cancel within 14 days from the policy start or renewal date, Lifetime Pet Cover will refund any premiums paid, and cancel your policy back to the start or renewal date and you will not be able to submit a claim.
• If you cancel your policy after 14 days, as long as no claim has been paid in the policy term, a refund of premiums will be made for the time your pet is not covered.

If you cancel after 14 days and a claim has been paid in the policy term, the full annual premium is still payable.

FAQs