Some of the key policy exclusions are:

  • We will not cover the amount of the excess(s) applicable for any claim.
  • Death from accident or illness – cover is restricted to dogs aged under 8years, or cats aged under 10years, at the date of loss or death.
  • Euthanasia is excluded under Bronze, Silver and Gold policies.
  • Third party liability cover is restricted to Dogs Only.
  • Loss and recovery – cover restricted to dogs aged under 8 years, or cats aged under 10 years, at the date they go missing.
  • Vet fee limits and policy limits apply.
  • We will not pay for advertising and reward incurred without our prior consent.
  • Any condition first showing clinical signs in the first 14 days of the policy unless you had a prior pet insurance policy.
  • Your pet must be at least 5 weeks old when your policy starts.
  • Dangerous dogs and excluded breeds cannot be covered. Please note that if you have declared the incorrect breed when taking the policy out, you may not be covered when making a claim.

The full list of policy exclusions can be seen here.