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P362CFLAT SIZE:FINISHED SIZE:210MM H 297MM W210MM H 148MM WPet InsuranceEverythingExplainedYour Policy Wording(Please keep this safe)Your Policy WordingPlease keep this safe93015924.indd 15/29/2020 11:05:56 AM
MORE TH N WELCOMEThank you for choosing MORE TH N for Pet Insurance, your furry friend is in safe hands.As a pet owner, you will know that a healthy pet is a happy pet. And in the event that your pet has an accident or becomes illyou will want to ensure that they get the very best care.Of course we hope that your pet doesn’t have to make too many vet visits – not only are they traumatic for most dogs and cats,but they can also be expensive and inconvenient for their owners! To help prevent unnecessary vet visits, we offer all of our Pet, a 24/7 freephone advice line manned by qualified RCVS (Royal College of Veterinary Surgeons)Insurance customersvet nurses.At MORE TH N our focus is on providing the optimum level of Pet Insurance to suit your needs, and ensuring that if you doever need to make a claim, that the process is as smooth and efficient as possible. This will allow you to focus on the importantthings – getting your pet back onto its paws as quickly as possible.Depending on your level of cover, our Pet Insurance will also help you out if your pet should go missing, or need emergencyboarding if you should fall ill yourself. And on some policies we’ll even cover vet care abroad if your pet falls ill whilst on holiday.In order to understand your pet’s policy cover, and to ensure you have the right level of cover, please read this Policy andSchedule. Your Policy and Schedule are evidence a contract exists between you and us, so please read the next few pagescarefully to ensure the cover is exactly what you need, then keep them in a safe place.Please also ensure you understand your Excess. This is the amount you will need to pay in the event of a claim.And finally, we’re here to help if you have any questions, so please do call us if you’re unsure about anything or need to amendyour policy.THE INSURANCE CONTRACTThis Policy is a legal contract between you and us. The Policy and Schedule make one document and must be read together.Please keep them together.The contract is based on the information you provided when you applied for the insurance.Our part of the contract is that we will provide the cover set out in this Policy for: those Sections which are shown on the Schedule; the period of insurance set out on the Schedule.Your part of the contract is you must: pay the premium as shown on the policy Schedule; comply with all the conditions set out in this Policy.If your part of the contract is not met, we may turn down a claim, increase the premium or you may find that you do not haveany cover.We can choose not to offer renewal of a policy, if we do, we would let you know in advance of your renewal date so that youhave enough time to make alternative insurance arrangements.93015924.indd 25/29/2020 11:05:59 AM
POLICY WORDINGCONTENTS PageWORDS WITH SPECIAL MEANINGS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4WHAT YOU PAY TOWARDS THE COST OF A CLAIM (POLICY EXCESS). . . . . . . . . . . . . . . . . . 4POLICY COVER LEVELS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5ACCIDENT ONLY: VET FEES COVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6BASIC:VET FEES COVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8CLASSIC:VET FEES COVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11PREMIER:VET FEES COVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13ACCIDENTAL DAMAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15DEATH FROM ACCIDENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15DEATH FROM ILLNESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15EMERGENCY BOARDING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16EMERGENCY PET MINDING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16THIRD PARTY LIABILITY COVER (DOGS ONLY) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17LOST AND FOUND COVER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17PETS ABROAD COVER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18FAREWELL COVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20HOW TO MAKE A CLAIM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20POLICY CONDITIONS APPLICABLE TO THE WHOLE POLICY . . . . . . . . . . . . . . . . . . . . . . . . . . 22CANCELLING THE POLICY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22POLICY EXCLUSIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23CLAIMS CONDITIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24COMPLAINTS PROCEDURE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24HOW WE USE YOUR INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25USEFUL PHONE NUMBERS TO HELP YOU. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Back page393015924.indd 35/29/2020 11:05:59 AM
WORDS WITH SPECIAL MEANINGSSome words have a special meaning in the policy. They are listed below. Whenever a word with a special meaning is used inthe remainder of the policy, it will be printed in bold type.Accident: A sudden, unexpected, specific event that injures the pet.Period of Insurance: 12 months from the day cover starts to the day cover ends. First period of insurance is 12 months from thestart date to the renewal date shown on your schedule. Later periods of insurance are 12 months from the renewal date to thecover end date shown on your schedule.Pet: Your cat or dog named on the policy schedule.You, Your: The person or persons named as the policyholder on the schedule.Your Family: You, your husband, wife, partner, children, parents or other relatives who normally live with you.Vet: A current, qualified member of the Royal College of Veterinary Surgeons or, for veterinary treatment outside the UK, the Isleof Man or the Channel islands, a person registered to practice Veterinary Surgery in the country veterinary treatment is received.Vet fees: Any examination, consultation, tests, x-rays, surgery, prescription medication, as provided by a vet at the time of yourvisit or purchased using a prescription a vet provides, nursing, care and physiotherapy, provided by a Veterinary Surgeon or anemployee of a Veterinary practice under a Veterinary Surgeon’s instruction.We, Us, Our: Royal & Sun Alliance Insurance plc.WHAT YOU PAY TOWARDS THE COST OF A CLAIM (POLICY EXCESS)VET FEESThis is the part of the claim that you have to pay.Please refer to your Policy Schedule for details of the policy excess applicable to your Pet(s). Your excess will increase whenyour pet turns 9 (except Accident Only).THIRD PARTY LIABILITYThe first 250 of any claim.VET REFERRAL EXCESS 200 is applicable if you do not use a referral vet from our referral network.493015924.indd 45/29/2020 11:06:00 AM
POLICY COVER LEVELSINCLUDING THE OPTIONAL COVERS THAT ARE AVAILABLEThe limits shown will apply to each pet you insure.COVER LEVELACCIDENT ONLYBASICCLASSICPREMIERVet Fees up toThe amountshown on yourPolicy ScheduleThe amountshown on yourPolicy ScheduleThe amountshown on yourPolicy ScheduleThe amountshown on yourPolicy ScheduleTreatment Period12 months12 monthsFor each accidentor illnessEach yearVET FEES INCLUDE:Your schedule shows you the amount of vet fees we pay for each accident or illness. For the following 4 treatments,where an amount is shown below we will pay you up to that amount instead. Complementary Treatments up toNot applicable 500 1,000 1,500 Dental CareTeeth and gumsif damaged in anaccident.Teeth and gumsif damaged in anaccident.Teeth and gumsif damaged in anaccident.up to 2,000 Behavioural Problems up toNot applicableNot applicableNot applicable 1,000 Treatment FoodNot applicableOnly fooddeveloped todissolve urinarycrystals or stonesor to treat renaland thyroidconditions whengiven as well asor insteadof medication.Only fooddeveloped todissolve urinarycrystals or stonesor to treat renaland thyroidconditions whengiven as wellas or insteadof medication.up to 500Accidental Damage up to 500 500 1,000 2,000Third Party Liability (Dogs only) up to 500,000 1,000,000 2,000,000 3,000,000YesHelpline – vetfoneYesYesYesDeath from Accident up toNot applicable 500 1,000 2,000Death from illness (under 9s only) up toNot applicable 500 1,000 2,000Emergency Boarding up toNot applicable 1,000 1,000 1,000Emergency Pet Minding up toNot applicable 1,000 1,000 1,000ADDITIONAL OPTIONSLOST AND FOUND COVEROPTIONALOPTIONALINCLUDEDINCLUDEDAdvertising up to 1,000 1,000 1,000 1,000Reward up to 1,000 1,000 1,000 1,000Loss by Theft or Straying up to 1,000 1,000 1,000 2,000PETS ABROAD COVERNOT APPLICABLEOPTIONALINCLUDEDINCLUDEDEuropean Vet Fees Cover.Extension of Vet Fees whentravelling in the EU.Not applicable 1,500 or 3,000 4,000 or 8,000The amountshown on yourPolicy ScheduleEmergency Expenses up toNot applicable 1,000 1,000 1,000Holiday Cancellation up toNot applicable 2,000 2,000 2,000Quarantine Costs up toNot applicable 1,000 1,000 1,000Loss of Health Care Certificate/Passport up toNot applicable 250 250 250 250Repeating the tapewormNot applicable 250 250FAREWELL emation/Burial up to 150 150 150 200593015924.indd 55/29/2020 11:06:00 AM
ACCIDENT ONLY: VET FEES COVERYour schedule will show you if you have chosen the Accident Only cover level. When you’ve selected Accident Only cover youcan buy the following optional covers: Lost and Found Cover, Farewell Cover. If you have bought them, they will appear onyour schedule. You can only buy them when you first buy your policy or when you renew your policy.HOW ACCIDENT ONLY WORKSThis cover pays vet fees until your vet fee limit has been used up or until 12 months of treatment is given from the date thattreatment first starts, whichever happens first. So that we can provide vet fees for up to 12 months of treatment, your policy mustremain in force without a break in cover and your premiums must be paid. Once your vet fee limit is used up or 12 months oftreatment has been given the accident or health issues linked to it are no longer covered and will be excluded from future claims.Your premium, excess, benefits and policy terms and conditions can change, if they do we will always provide full details to youbefore your renewal date.It’s important you budget for renewal prices to increase as your pet gets older. There are a number of reasons including newdevelopments in diagnosis and treatments have meant that vets can give pets even better care, which is great news for yourpet but means an increase in vet costs. There is no limit to how much your renewal price can increase over time.Please refer to your Policy Schedule for details of the policy excess applicable to your Pet(s).You will only be able to claim for vet fees in the UK, Isle of Man and the Channel Islands.MEDICATIONThis policy does not provide cover for all medication that you or a vet may give to your pet.WHAT IS COVEREDWHAT IS NOT COVEREDWe will pay for vet fees if your pet has been hurt inan accident. We will also pay vet fees for your pet ifit is ill as a result of the accident.We will not pay:1. the excess, this is the first part of the claim that you have topay. The excess will be shown on your policy schedule;2. if the same accident causes your pet to suffer from: disc problems to one or more discs we don’t pay a separatevet fee limit for each disc we will pay it once for all thehealth issues linked to that accident; a number of injuries or if the accident causes your pet tosuffer from an illness we don’t pay a separate vet fee limitfor each injury or each illness, we will pay it once for all thehealth issues linked to that accident.3. for health issues, concerns, illnesses and injuries which you oryour vet were aware of before you took out the policy, they areknown as pre-existing conditions, they are: signs or symptoms of diagnosed or undiagnosed injuries orillnesses; existing illnesses or injuries; existing physical abnormalities; existing illnesses, injuries or physical abnormalities whichlead to other health issues or injuries; illnesses or injuries which are medically linked to existingillnesses, injuries or physical abnormalities.we consider the following to also be a pre-existing condition: treatment of spinal disc problems if any disc has shownsigns, been diagnosed or been treated for spinal discproblems before you took out the policy.4. any accidents within the first 48 hours of your policy firststarting or any illness or injury that develops from them;5. any treatment for any cruciate ligament problems however caused;6. for supplements and probiotics, these are products you canpurchase over the counter or on line without prescription. Theyare made from foods or biological products. Joint supplements,nutraceuticals, vitamin and mineral supplements, and organsupplements are all examples of these products;7. for vaccinations, homeopathic vaccinations, flea, tick orworming prevention or treatment;8. for treatment, tests or procedures that do not treat an illness orinjury, or that are preventative or cosmetic, including spayingand castration. We also do not pay for complications that resultfrom any of these;Each accident or illness is covered for up to 12months from the start of treatment or until thevet fee limit shown on your schedule is used up,whichever comes first, as long as your pet remainsinsured with us.Once your vet fee limit is used up or 12 months oftreatment has been given the accident or healthissues linked to it are no longer covered and will beexcluded from future claims.Your vet fee limit includes:Dental care for teeth and gums if they are damagedby an accident.Example of a linked health issue;A number of cuts, bruises and broken bonesdamaged in a road accident will be paid under onevet fee limit.693015924.indd 65/29/2020 11:06:00 AM
WHAT IS COVERED (CONTINUED)WHAT IS NOT COVERED (CONTINUED)We will not pay:9. for routine examinations, nail clipping, bathing or de-matting;10. the cost of vet fees outside normal surgery hours except wherea vet considers your pet cannot wait until normal surgery hours;11. non-essential hospitalisation and/or house calls unless the vetdeclares that to move your pet would seriously endanger it’s health;12. for having your pet put to sleep, the cost of cremation ordisposing of your pet’s remains unless you have chosen theFarewell Cover option;13. for food;14. post mortem costs;15. complementary treatment;16. vet fees for an illness which was not caused by an accidentcovered by this policy;17. the cost of prosthesis, including any veterinary treatmentneeded to fit the prosthesis, other than the cost of hip, kneeand/or elbow replacement(s);18. costs charged by a vet to fill or provide a prescription or tocomplete claim forms or any costs charged to obtain receipts,invoices or reports required as part of a claim.19. anything detailed in the conditions or exclusions shown onpages 22-24;20. any treatment costs incurred after the limit shown on yourschedule is reached or the 12 months period has passed from thedate the accident was first treated, whichever happens sooner.793015924.indd 75/29/2020 11:06:00 AM
BASIC: VET FEES COVERYour schedule will show you if you have chosen the Basic cover level. When you’ve selected Basic cover you can buy thefollowing optional covers: Lost and Found Cover, Pets Abroad Cover, Farewell Cover. If you have bought them, they will appearon your schedule. You can only buy them when you first buy your policy or when you renew your policy. You will only be ableto claim for vet fees outside the UK, Isle of Man and the Channel Islands if you have bought Pets Abroad Cover.HOW BASIC COVER WORKSThis cover pays vet fees until your vet fee limit has been used up or until 12 months of treatment is given from the date thattreatment first starts, whichever happens first. So that we can provide vet fees for up to 12 months of treatment, your policy mustremain in force without a break in cover and your premiums must be paid. Once your vet fee limit is used up or 12 months oftreatment has been given the accident or illness is no longer covered and it will be excluded from future claims.Your premium, excess, benefits and policy terms and conditions can change, if they do we will always provide full details to youbefore your renewal date.Like us, as pets get older, sadly they’re more likely to get ill. In fact our claims data shows that the cost of looking after yourpet’s health doubles every four to five years. That’s why your renewal price increases each year and your excess will increasewhen your pet turns nine.Unfortunately, once a pet has been taken ill, in general they’re more likely to get ill again. That’s why, if a claim is paid, the priceyou will pay next year can double.It’s important you budget for renewal prices to increase as your pet gets older. How much they go up is different for everyoneand depends on things like your pet’s breed, their age and health, and there is no limit to how much your renewal price canincrease over time.Please refer to your Policy Schedule for details of the policy excess applicable to your Pet(s).You will not be able to claim for vet fees outside the UK, Isle of Man and the Channel Islands unless you have bought PetsAbroad Cover. If this cover is bought and you are traveling with your pet, you will also be able to claim for vet fees in countriesthat are EU members of the PETS travel scheme as defined by DEFRA as long as you comply with the terms and conditions ofthe PETS Travel Scheme.MEDICATIONThis policy does not provide cover for all medication that you or a vet may give to your pet.WHAT IS COVEREDWHAT IS NOT COVEREDWe will pay vet fees if your pet has an accident or illness.Each accident or illness is covered for up to 12 months fromthe start of treatment or until the vet fee limit shown onyour schedule is used up, whichever comes first, as long asyour pet remains insured with us.We will not pay:1. the excess, this is the first part of the claim that youhave to pay. The excess will be shown on your policyschedule;2. a separate vet fee limit for cruciate ligaments in each leg – we will not pay thevet fee limit for each leg, both legs are treated asone health issue; each spinal disc - we will not pay the vet fee limitfor each disc, disc problems to one or more discs aretreated as one health issue; any other health issue that causes your pet tosuffer from a number of injuries or illnesses will beconsidered to be one health issue treated under onesingle vet fee limit.3. for health issues, concerns, illnesses and injuries whichyou or your vet were aware of before you took out thepolicy, they are known as pre-existing conditions,they are: signs or symptoms of diagnosed
Pet Insurance Everything Explained Your Policy Wording (Please keep this safe) 93015924.indd 1 5/29/2020 11:05:56 AM. MORE TH N WELCOME Thank you for choosing MORE TH N for Pet Insurance, your furry friend is in safe hands. As a pet owner, you will know that a healthy pet is a happy pet. And
