It's important for us that you understand all the features of your policy. 

We design products which can help cover the cost of unexpected vet fees when your pet needs treatment due to an accident or illness.

So we’ve put together a Pet Insurance jargon buster to explain some of the definitions, cover and exclusions to help you understand what you are buying when you purchase one of our Pet Insurance policies.

For more details of what is and isn’t covered, please refer to our Key Documents section. Alternatively, if you need further assistance, please contact a member of our Sales team on 0800 197 0881. Calls may be monitored and recorded.

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Accidents

Accident means a sudden, unforeseen, and unintended event causing injury to your pet.

Accident Only

  • Accident Only £2500 is a maximum benefit policy. The total you can claim for each new condition your pet may suffer is £2500 unless there is an additional benefit limit for a specified condition. There's no limit to the number of separate conditions that you can claim for. 
  • As long as the insurance policy remains in force there's no time limit on a claim. Once the financial limit has been reached any on-going treatment required as a result of this condition will be excluded from future claims and treated as a pre-existing condition.   

Find out more

Advertising and reward

If your pet is lost or stolen, we'll pay for local advertising and offer a reward of up to:

  • £250 under 12 Month £2000
  • £500 under 12 Month £5000
  • £750 under Lifetime £2000
  • £1,000 under Lifetime £4000
  • £1,000 under Lifetime £10000


Please note: Advertising and rewards are not covered under Accident Only

Aggregate limit

Aggregate Limit means the maximum amount of claims that we will pay for all losses during a specific period of time, no matter how many separate claims may occur, be that the policy period or for the duration of time your pet is insured under this policy or subsequent renewal of this policy or per condition, and is dependent on the cover you have selected.

Agreed country

Agreed Country means this cover only includes travel to a country in the European Union (EU) included in the Pet Travel Scheme (PETS).

Associated costs

Associated Costs means general anaesthetic/sedation, drugs administered for a treatment, one day’s hospitalisation fee and interpretation fees.

Benefit limits

Benefit limits means the total amount payable per claim or per condition per each section of coverage. The maximum benefit limit that we will pay for a single condition, a recurring condition or a chronic condition suffered by your pet is the maximum benefit limit that was current in the policy period when the condition first manifested, as stated in your schedule. If you stop making premium payments to us then cover for any on-going conditions will cease. Benefit limits are reduced in accordance with applicable deductions.

Bilateral condition

Bilateral Condition means any condition affecting body parts of which your pet has two, one each side of the body (e.g. ears, eyes, knees, cruciate ligaments). When applying a benefit limit or exclusion, bilateral conditions are considered as one condition if there is evidence that your pet has had symptoms of the condition in the last 24 months and/or your vet records indicate that the conditions are related.

Chronic condition

Chronic Condition means a condition which, once developed, is deemed incurable or is likely to continue for the remainder of your pet’s life

Clinical signs

Clinical Signs means changes in your pet’s normal healthy state, its bodily functions or behaviour.

Complementary medicine

Complementary Medicine means physiotherapy, hydrotherapy, acupuncture, osteopathy, chiropractic, homeopathic or herbal medicines or laser treatment administered by a suitably qualified practitioner following a recommendation from a qualified vet. Laser treatment must be to treat a condition and the treatment must be carried out by a qualified veterinary surgeon. The following practitioners are considered to be suitably qualified and members of the following listed associations: Association of Chartered Physiotherapists in Animal Therapy (ACPAT), National Association of Veterinary Physiotherapists (NAVP), The International Association of Animal Therapists (IAAT), Canine Hydrotherapy Association (CHA), The Society of Osteopaths in Animal Practice (SOAP), International Veterinary Acupuncture Society (IVAS), Association of British Veterinary Acupuncturists (ABVA) and the British Veterinary Rehabilitation and Sports Medicine Association (BVRSMA). Behavioural treatment must be referred by your vet and provided by a Certified Clinical Animal Behaviourist by the Accreditation Committee of Association for the Study of Animal Behaviour (ASAB) or member of the International Association of Animal Therapists (IAAT).

Condition

Condition means any injury sustained during, or resulting from, a single accident or any manifestation of an illness having the same diagnostic classification or resulting from the same disease process regardless of the number of incidents or areas of your pet’s body affected. Please note that illness is not covered by Accident Only cover.

Continuation claim

Continuation Claim means any claim for on-going treatment for a condition which has already been claimed for under this policy and which can be linked back to the original claim. If two or more claims are initially assessed as separate conditions then later recognised as a continuation/recurring/or bilateral condition and/or claim, we will combine each related claim and consider as one condition. The total amounts paid for each related claim shall then be deducted from the benefit limit applicable. Should this result in the benefit limit being reached or exceeded, no further claims for that condition will be paid and any overpayment will be requested back and/or deducted from any future claims.

Co-payments

A co-payment is a specified amount of money that you will need to contribute towards your pets vet treatment as part of your insurance plan.

This is the amount you pay towards the vet fee claim for each condition. For all pets aged 5 years and older the mandatory co-payment amount is 10% for Lifetime £2000, Lifetime £4000 and Lifetime £10000. This is in addition to the standard excess of:

£99 for Lifetime £2000
£75 for Lifetime £4000
£75 for Lifetime £10000
For example if you made a claim of £500 the initial excess of £75 (for Lifetime £4000) would be deducted, followed by an additional 10% on the remaining £425 balance. This would mean £42.50 deducted from the balance, leaving a total claim amount  paid of £382.50.

Death of a pet

If your pet dies as a result of an accident we cover up to:

  • £350 under Accident Only
     

If your pet dies as a result of an accident or illness we cover up to:

  • £750 under 12 Month £2000
  • £1,000 under 12 Month £5000
  • £1,500 under Lifetime £2000
  • £2,000 under Lifetime £4000
  • £2,000 under Lifetime £10000

This excludes your pet if they are aged 8 or over at the policy start date or at the renewal date.

End date

End Date means the date on which this policy ends, which will be the earliest of the following:

  • The date your pet dies; or
  • The expiry of the current policy period:
  • If you fail to renew this policy; and/or
  • We choose not to renew this policy for whatever reason; or
  • The date you fail to pay the premium; or
  • The date you cancel this policy; or
  • The date we cancel this policy for whatever reason

Excess

Excess means the first amount of a claim as shown in the schedule that is payable by you for each illness or accidental injury resulting in a claimable condition or as stipulated in the schedule in respect of the Policy Wording document which can be found under our Key Documents section.

Holiday

Holiday means a vacation or pleasure trip including at least one overnight stay made by you outside the United Kingdom which commences and ends in the United Kingdom. For policyholders living in the Channel Islands or the Isle of Man, holiday means a vacation or pleasure trip including at least one overnight stay made by you outside of the Channel Islands or the Isle of Man which commences and ends in the Channel Islands or Isle of Man.

Holiday cancellation costs

If your pet requires emergency surgery within 14 days prior to your departure, or during your holiday we'll reimburse travel and accommodation cancellation costs up to:

  • £750 for 12 Month 2000
  • £1,000 for 12 Month £5000
  • £1,500 for Lifetime £2000
  • £2,000 for Lifetime £4000
  • £2,000 for Lifetime £10000

This cover provides cover for the policyholder only.

Please note: Holiday cancellation costs are not covered under Accident Only.

Illness

Illness means sickness, disease, infection or any change in your pet’s normal healthy state which is not caused by injury.

Immediate family

Immediate Family means your parent, brother, sister, son, daughter, spouse, life partner or civil partner.

Injury

Injury means damage to one or more parts of your pet’s body as a result of one accident.

Journey

Journey means a holiday or trip to a qualifying country included in the Pet Travel Scheme (PETS) that starts and ends in the United Kingdom during a period of insurance.

Lifetime

  • Lifetime £2000 and Lifetime £4000 are renewing benefit policies. The total you can claim for each new condition your pet may suffer is £2000 or £4000 unless there’s an additional benefit limit shown for a specific condition. There's no limit to the number of separate conditions that you can claim for.  
  • Lifetime £10000 is a renewing benefit policy. The total you can claim for all new conditions your pet may suffer is £10000 unless there’s an additional benefit limit shown for a specific condition. There's no limit to the number of separate conditions that you can claim for until the total financial limit has been reached.  


For all Lifetime policies as long as the insurance policy remains in force there’s no time limit on a claim. Your pet can be covered for an on-going condition in future years as long as the insurance policy remains in force with us.

Find out more

Maximum benefit

There's a financial limit for each new condition the animal may suffer. Each condition is insured until the financial limit has been reached; as long as the insurance policy remains in force, there's no time limit on your claim. Once the financial limit has been reached, the medical condition becomes a pre-existing condition and is excluded from future claims.

Pet

Pet means a dog or cat covered under this policy as named and described in your schedule.

Pet passport

Pet Passport is an official Pet Travel Scheme (PETS) document provided by a vet who has the Government’s authority to do so.

Pet Travel Scheme (PETS)

Pet Travel Scheme (PETS) The UK Government scheme that allows you to take your pet to certain qualifying European Union (EU) countries and to re-enter the United Kingdom without putting your pet into quarantine, as long as you have met the rules of the scheme.

Policy documents

Policy Documents means your policy wording, statement of fact, key facts and schedule which contain important information about you, your pet and your policy. All of these documents should be read as one.

Pre-existing condition

Pre-existing condition means:

  • Any condition diagnosed or undiagnosed showing signs, symptoms, manifesting or existing in any form prior to the commencement date; or
  • Any illness diagnosed or undiagnosed showing signs, symptoms, manifesting or existing in any form during the waiting period.

Please note: We do not pay for pre-existing conditions. 

Recurring condition

Recurring Condition means the reappearance of a condition, clinical sign or symptom of an illness after a period of remission.

Schedule

Schedule means the document which contains important information about you and your policy which forms part of the policy documents.

Third party liability

If your pet causes damage or injury to a third party and you're legally liable, you're protected from claims up to £1,000,000 including legal costs (Dogs only).

Treatment

Treatment means any consultation, examination, advice, tests, x-rays, slides, ultrasound and MRI, medication, surgery or nursing care that has taken place and been provided by a veterinary practice or qualified practitioner recommended by a vet.

Theft or straying

If your pet is not recovered in spite of the advertising and reward, we'll reimburse the purchase price up to:

  • £750 under 12 Month £2000
  • £1000 under 12 Month £5000
  • £1500 under Lifetime £2000
  • £2000 under Lifetime £4000
  • £2000 under Lifetime £10000

Please note: Theft or straying is not covered under Accident Only.

Unlicensed medication

Unlicensed Medication means any medication that is not licensed by the Veterinary Medicines Directorate (VMD) for treatment of a particular condition.

Unlicensed treatment

Unlicensed Treatment means any treatment that is not licensed or approved by the Royal College of Veterinary Surgeons (RCVS) or any treatment that is being trialled.

Vet

Vet means a veterinary surgeon registered with the Royal College of Veterinary Surgeons (RCVS).

Veterinary Fees

Veterinary Fees means reasonable, customary, necessary and essential fees typically charged by a vet in the provision of treatment.

Waiting period

Waiting Period means a period of 14 days starting from the commencement date of the initial policy period during which an illness occurs or shows clinical signs or symptoms; this will be excluded from cover unless otherwise agreed by us.

We, Our, Us, Insurer

We, Our, Us, Insurer means the underwriter Legal & General Insurance Limited. Registered in England and Wales number 423930. Registered office: One Coleman Street, London EC2R 5AA

Your vet

Your Vet means the vet or veterinary practice you employ to carry out your pet’s treatment.

12 Month

  • 12 Month £2000 and 12 Month £5000 are 12 month policies. The total you can claim for each new conditions your pet may suffer is £2000 or £5000 unless there is an additional benefit limit shown for a specific condition. There's no limit to the number of separate conditions that you can claim for until the total financial limit has been reached.
  • As long as the insurance policy remains in force you have 12 months cover from the onset of each new condition. Once the financial limit has been reached or 12 months has passed, whichever is sooner, any on-going treatment required as a result of this condition will be excluded from future claims and treated as a pre-existing condition.

Find out more