Pet Insurance - Accident only Policy Wording

Pet Insurance – Accident Only

Policy Wording

Thank you for choosing us for your Pet Insurance.

You may be aware that Legal & General Insurance Limited has been bought

by Liverpool Victoria General Insurance Group (LV=GI). For a transition period,

Legal & General Insurance Limited has been renamed Fairmead Insurance

Limited. This means the provider and underwriter of your policy is Fairmead

Insurance Limited which is part of LV=GI. We look forward to welcoming

you to LV=.

Your policy is made up of this booklet and your policy schedule, which will be

provided when you take out your policy. The policy schedule conﬁrms the sections

of cover you have chosen. Put them somewhere safe, so that you can refer to

them if you ever need to claim. Please carefully check the details in your statement

of fact, this booklet and your policy schedule to make sure your cover meets

your needs.

Useful phone numbers

General enquiries Making a claim

Customer service Pet Insurance

0370 060 0071 0370 060 0078

Customer accounts department

0370 060 0071

Renewals department

0370 060 0071

Sales department

0800 197 0881

Helplines

Vet advice line Financial Services Compensation Scheme

0800 197 0922 0800 678 1100

Legal helpline Financial Conduct Authority

0800 294 1263 0800 111 6768

Bereavement counselling line Financial Ombudsman Service (For landlines)

0800 107 6197 0800 023 4567

Find a pet sitter Financial Ombudsman Service (For mobiles)

0800 975 4354 0300 123 9123

Find a vet

0800 027 5019

Calls may be recorded and monitored. Call charges will vary for 03 numbers.

EASIER TO READ INFORMATION

Please call us if you are visually impaired and would like this document in

Braille, large print or audio tape or CD.

Pet Insurance – Accident Only

Contents

4-7 Policy deﬁnitions

8-11 Section 1

– Veterinary fees

Section 2 – Death of pet from accident

Section 3 – Pet Funeral/cremation

Section 4 – Overseas travel

Section 5 – Holiday delay

16-18 Section 6

– Third party legal liability (dogs only)

General conditions

Making a claim

21-22 What is not co

vered

Cancellation rights

Complaint handling procedure

24-25 Other inf

ormation

Policy deﬁnitions

When interpreting this policy:

• References to the singular include the plural and vice versa, and to the masculine include the feminine

and vice v

ersa.

• Monetary references are to UK pounds sterling.

• Certain words and expressions used in this policy have a speciﬁc meaning.

The following words will have the meanings described below wherever they appear in this document.

All deﬁned terms appear in bold throughout this document.

Accident

Sudden, unforeseen, and unintended event causing

injury

to your pet.

Age Deduction Table

The total deduction from the price paid, ﬁxed amount

or price sho

wn in the schedule calculated from the

following table based on age determined by the date

of birth shown in the schedule and date of loss.

Age of pet at the Deduction from price

dat

e the pet dies, is paid, ﬁxed amount or

euthanised, stolen or amount shown in the

strays. schedule.

Up to 1 year old Amount minus 0%

Over 1 year and up to Amount minus 10%

2 years old

Over 2 years and up to Amount minus 20%

3 years old

Over 3 years and up to Amount minus 30%

4 years old

Over 4 years and up to Amount minus 45%

5 years old

Over 5 years and up to Amount minus 60%

6 years old

Over 6 years and up to Amount minus 75%

7 years old

Over 7 years and up to Amount minus 90%

8 years old

Over 8 years old Amount minus 100%

Associated Costs

General anaesthetic/sedation, drugs administered

or a treatment, one day’s hospitalisation fee and

interpretation fees.

Beneﬁt Limits

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 ongoing conditions

will cease.

Chronic Condition

A condition

which, once developed, is deemed

incurable or is likely to continue for the remainder of

your pet’s life.

Pet Insurance – Accident Only

Clinical Signs

Changes in your pet’s normal healthy state, its bodily

functions or beha

viour.

Complementary Medicine

Physiotherapy, hydrotherapy, acupuncture, osteopathy,

hiropractic, homeopathic, 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).

Commencement Date

The date and time when the policy period ﬁrst st

arts

as noted in the schedule.

Condition

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.

Continuation Claim

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.

Dentistry

Treatment to the teeth and gums of your pet

whic

h is as a direct result of an accident or injury

to your pet.

End Date

The date on which this policy ends, which will be the

earliest of the f

ollowing:

• the date y

our pet dies; or

• the expiry of the current policy period:

– if yo

u fail to renew this policy; and/or

– we choose not to renew this policy for whatever

reason; or

• the date yo

u fail to pay the premium; or

• the date yo

u cancel this policy; or

• the date we cancel this policy for whatever reason.

Fairmead Insurance Limited

Fairmead Insurance Limited provide and underwrite

this insurance policy

. They are part of the Liverpool

Victoria General Insurance Group.

(continues)

Pet Insurance – Policy deﬁnitions

(continued)

Holiday

A vacation or pleasure trip including at least one

vernight 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. Please note that for section 4 –

overseas travel, the deﬁnition of a holiday is expanded

to include your pet accompanying you on holiday,

however, cover is restricted to travelling with your

pet in European Union member countries which are

included in the Pet Travel Scheme (PETS) only.

Illness

Sickness, disease, infection or any change in your pet’s

normal health

y state which is not caused by injury.

Immediate Family

Your parent, brother, sister, son, daughter, spouse, life

partner or civil partner

Injury

Damage to one or more parts of your pet’s body as a

result of one

accident.

Journey

A holida

y or trip to a qualifying country included in the

Pet Travel Scheme (PETS) that starts and ends in the

United Kingdom during the period of insurance.

Pet

A dog or cat covered under this policy as named and

described in

your schedule.

Pet Passport

An ofﬁcial Pet Travel Scheme (PETS) document

pro

vided by a vet who has the Governments authority

to do so.

Pet Travel Scheme (PETS)

The UK Government scheme that allows you to t

ake

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

Your policy wording, statement of fact, Insurance

roduct Information Document (IPID) and schedule

which contain important information about you, your

pet and your policy. All of these documents should be

read as one.

Policy Period

The continuous 12 months period, effective from

the commencement dat

e, for which we have

agreed to provide cover and for which you have paid

the relevant premium.

Pre-existing Condition

Any condition diagnosed or undiagnosed sho

wing

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.

Recurring Condition

The reappearance of a condition, clinical sign or

symptom of an illness after a period of remission

Schedule

The document which contains important information

about yo

u and your policy which forms part of the

policy documents.

Treatment

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.

Pet Insurance – Accident Only

Vet

A veterinary surgeon registered with the

oyal College of Veterinary Surgeons (RCVS).

Veterinary Fees

Customary, necessary and essential fees typically

harged by a vet in the provision of treatment.

Waiting Period

A period of 14 days starting from the commencement

dat

e 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. If you upgrade your policy from an Accident Only

policy to any policy which includes illness cover, the

waiting period will apply from the transfer date.

We, Our, Us, Insurer

The underwriter Fairmead Insurance Limited.

egistered in England and Wales number 423930.

Registered ofﬁce: 57 Ladymead, Guildford,

Surrey GU1 1DB.

Your Vet

The ve

t or veterinary practice you employ to carry out

your pet’s treatment.

You, Your

The person named as the policyholder on the sc

hedule.

Worrying livestock

To chase or attack livestock (cattle, sheep, goats, pigs,

horses or poultr

y) on agricultural land in contravention

of the Dogs (Protection of livestock) Act 1953.

Pet Insurance – Veterinary fees

Section 1

Veterinary fees

Upgrading/Downgrading cover – If you transfer your pet to a plan with additional or higher beneﬁt limits, the

additional or higher beneﬁt limits will not apply if the condition signs or symptoms started before the transfer

date. If you transfer your pet to a plan with lower beneﬁt limits, the higher beneﬁt limit will no longer apply to

any claims you are currently making.

Bilateral Condition

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.

1. Cover

We will pa

y the claim amount for normal and customary

veterinary fees up to the total beneﬁt limit as shown

in your schedule for treatment. The beneﬁt limit is

applied separately to every unrelated accident claimed

for. If you stop making premium payments to us then

cover for any on-going conditions will cease.

For the avoidance of doubt, please note that the

beneﬁt limit

for complementary medicine,

special diet, CT/MRI Scans and associated costs,

cruciate ligament damage, dentistry and behavioural

treatment is not a separate limit and is therefore

included within the maximum beneﬁt limit amount as

shown in your schedule.

Upgrading cover – If you transf

er your pet to a plan

with additional or higher beneﬁt limits, the additional

or higher beneﬁt limits will not apply if the condition

signs or symptoms started before the transfer date.

2. Level of veterinary fees allowed

ery claim will be reviewed by an internal pet claims

assessor and compared to charges for the same or

similar treatment within the same geographical area

to ensure that the treatment and veterinary fees are

necessary, essential and not excessive.

We will only pay up to a maximum of 100% mark-up on

the manufacturer’s or wholesaler’s price of veterinary

medicines. This will include any dispensing fees.

Sections of cover: Exclusions:

• Costs resulting from any illness or accident/injury

relating to or caused by an illness.

• Costs in ex

cess of the speciﬁed beneﬁt limit as

shown in your schedule relating to any treatment

for cruciate ligament damage.

• Costs resulting from an accident or injury that;

i. is the same as or has the same diagnosis

or clinical signs

as an accident, injury

or clinical signs your pet had before the

commencement date; is caused by, relates

to or results from an accident, injury or

clinical signs your pet had before the

commencement date.

Please note if your pet ﬁrst showed any clinical signs

or w

as diagnosed with an accident, injury or illness

prior to the commencement date, we will apply an

exclusion to your policy in respect of this condition.

• Costs resulting from or related to any excluded

condition as sho

wn in the schedule.

• Costs for cosmetic treatment, elective tr

eatment,

routine treatment or preventative treatment

recommended by a vet to prevent an injury

or illness. This is not limited to but includes

vaccination, spaying, castration, Cryptorchidism

(retained testes), grooming, nail clipping, whelping,

kittening, bathing, dematting, killing and controlling

ﬂeas and worms, spaying to prevent the re-

occurrence of false pregnancy and any claims as

a result of these procedures unless speciﬁcally

noted on the schedule.

• Costs for any tr

eatment relating to or resulting

from breeding your pet and any complications that

may occur as a result of these procedures.

Pet Insurance – Accident Only

Sections of cover: Exclusions:

3. Cruciate Ligament Damage and CT/MRI Scans

and Associated costs

We will pa

y up to the beneﬁt limit as shown in your

schedule for cruciate ligament damage. This is not a

separate beneﬁt but is limited under veterinary fees.

We will pay up to the beneﬁt limit as shown in your

schedule for CT and MRI Scans and associated costs.

4. Dentistry

We will pay up to the beneﬁt limit as shown in your

schedule for dentistry treatment as a direct result

of an accident and/or injury to your pet. This is not

a separate beneﬁt but is limited under veterinary

fees. The beneﬁt limit is applied separately to every

unrelated accident and/or injury or condition claimed

for per policy period.

5. Complementary medicine

We will pay up to the beneﬁt limit as shown in your

schedule for complementary medicine which is

required as a direct result of an insured incident and

which meets the deﬁnition on page 5 of this booklet.

This is not a separate beneﬁt but is limited under

veterinary fees. The beneﬁt limit is applied separately

to every unrelated accident or injury condition

claimed for.

• Any dental or gum treatment will be excluded,

unless required as a direct result of an accident or

injury to your pet and limited to the beneﬁt limit.

Please note any routine, preventative or cosmetic

dental or gum treatment; or scaling and polishing

teeth will not be covered.

• Any illness resulting from dentistry treatment.

• Any dental or gum treatment as a direct result

of an

illness.

• Any tr

eatment received by your pet after the

end date.

• The cost of any treatment f

or behavioural problems

or for any conditions arising as a result of the same.

• Any costs for house calls/out-of-hours calls/

non-essential hospitalisation and ambulance

costs (where covered) unless a vet conﬁrms that

your pet was suffering from a life-endangering

condition or your vet can conﬁrm in writing that is

was essential and not to have done so would have

seriously worsened your pet’s condition. If the

out of hours visit was not essential, we will cover

the normal consultation fees only. Please note we

will not pay ambulance fees from your normal

veterinary clinic to a transferred night veterinary

clinic or referral clinic.

• Costs of your pet being euthanised except when it

is to alleviate incurable and inhumane suffering and

your vet has recommended it; always excluding

the costs of your pet being euthanised for ﬁnancial

reasons or because of behavioural problems.

• Costs of cremation and disposal, including post

mortem costs, cofﬁns or cask

ets.

• Costs which are not supported by an original receipt

or in

voice itemising the treatment costs incurred.

(continues)

Pet Insurance – Veterinary fees

Sections of cover: Exclusions:

(continued)

• The cost of any diet food, even if prescribed.

• Any costs associated with routine or investigative

laborator

y tests or procedures unless the

clinical signs/symptoms exist and the tests and

procedures are to diagnose a speciﬁc condition.

• Extra fees on external laboratory fees. We will

only pa

y the external fee plus up to £20 for post,

packaging and interpretation.

• Any cost of pheromone products, including

DAP diffusers and Feliway and/or similar feline

facial pheromone products used in either a spray

or an electric diffuser format and any general health

enhancers.

• Continuation claims unless you have paid the

required premiums to keep your policy in force.

• Claim settlements where you ha

ve failed to pay

the relevant premium due to us or you cancelling

your policy. In these circumstances any eligible

claim payment will be reduced by any outstanding

premium due.

• The ex

cess applicable to this section of cover.

• Any costs for hiring or buying a cage, basket or

bedding needed f

or the treatment or general

wellbeing of your pet and any general health

enhancers.

Pet Insurance – Accident Only

Sections of cover: Exclusions:

5. Complementary medicine (continued) • Any costs associated with prosthetics (artiﬁcial

body parts) with the exception of costs related to

replacement hip, elbow and/or knee joints.

Vet Advice Line

Included in your policy is unlimited access to a veterinary support and advice service if you have

concerns about an insured pet’s health or welfare.This is provided by a team of veterinary nurses. If you

have any concerns about your pet’s health or welfare, just call 0800 197 0922 and they can give advice

and clear instructions on what to do next – as most issues don’t require an immediate trip to the vet.

The service is provided by Vetsdirect Limited and is available 24 hours a day, every day of the year.

Pet Insurance – Death of pet from accident

Section 2

Death of pet from accident

Sections of cover: Exclusions:

1. Cover

If your pet dies or is euthanised for humane reasons

because of injury during the policy period we will pay

a contribution of:

i. Where proof of purchase is available; up to the

price paid or the amount shown in the schedule

(whichever is the lesser) subject to deductions

shown in the age deduction table according

to the pet’s age at the date the pet dies or is

euthanised, or;

ii. Where proof of purchase is not available; up

to £75 for a cat and up to £150 for a dog (ﬁxed

amount) subject to the age deduction table

according to the pet’s age at the date the

pet dies or is euthanised.

Important notice

• Euthanasia due to any act of any legal or legislative

authority for any reason whatsoever, including any

order made in respect of a ‘notiﬁable’ disease.

• Euthanasia due to behavioural problems or for

ﬁnancial reasons.

• Death during or after a surgical operation or a

general anaesthetic unless a qualiﬁed

vet certiﬁes

that it was necessary because of injury.

• Death of your pet if aged 8 years and over at the

time of death.

• Any death resulting from breeding, pregnancy

or giving birth.

• Any claim if the death has been a result of

pre

ventative, routine or elective treatment/

procedure. See veterinary fees.

• Any death caused by an illness/clinical signs

ﬁrst noticed before the commencement

date or within the ﬁrst 14 days of the policy

commencement date (waiting period).

Age of pet will be determined by the date of birth as shown on your policy schedule.

You must advise us within 30 days of the death of your pet.

Speciﬁc conditions applicable to Sections 2 – Death of pet from accident

1. If your pet dies, at your own expense please arrange for your vet to certify your pet’s death.

2. Where your vet is unable to certify your pet’s death; we will require a statement from an independent

witness conﬁrming your pet’s death.

Pet Insurance – Accident Only

Section 3

Pet funeral/cremation

Sections of cover: Exclusions:

1. Cover

If your pet dies or is euthanised for humane reasons

as a result of an accident during the policy period we

will pay;

i) Cremation or Funeral costs of up to £150 for a

dog or £75 f

or a cat.

• Cremation costs as a result of euthanasia due to

any act of any legal or legislative authority for any

reason whatsoever, including any order made in

respect of a ‘notiﬁable’ disease.

• Cremation costs as a result of euthanasia due to

beha

vioural problems or for ﬁnancial reasons.

• Cremation costs as a result of death during or after

a surgical operation or a general anaesthetic unless

a qualiﬁed

vet certiﬁes that it was necessary

because of injury.

• Cremation costs of your pet if aged 8 years and

ver at the time of death.

• Cremation costs as a result of death from

breeding

, pregnancy or giving birth.

• Cremation costs if death has been a result of

preventative, routine or elective treatment/

procedure. See veterinary fees.

• Cremation cost if death is caused by an

illness/clinical signs ﬁrst noticed before the

commencement date or within the ﬁrst 14 days of

the policy commencement date (waiting period).

• Post mortem and necropsy costs, including reports

and f

ees.

• The cost of memorial plaques, headstones or any

other memorial or commemorativ

e signs.

• Crematorium appointment fees and

out of hours costs.

Bereavement counselling helpline

Provides an understanding, conﬁdential and professional service enabling you to talk about the death

or illness of your pet. Help and advice to address the symptoms brought about by bereavement is

available 24 hours a day, 365 days a year. Telephone 0800 316 2015.

Pet Insurance – Overseas travel

Section 4

Overseas travel

This cover provides veterinary fee cover up to the policy limit for your pet when you are on holiday in a designated

Pet Travel Scheme (PETS) country.

Sections of cover: Exclusions:

1. Cover

If your pet needs emergency veterinary

treatment as a result of an accident while you are

on holiday with your pet, we will pay up to the

maximum beneﬁt limit as shown in the schedule.

This cover applies to a maximum holiday duration

of no more than 30 days made up of no more than

2 holidays in total per policy period. Cover starts

when you have left the UK (or Channel Islands

or Isle of Man if this is your place of residence).

Cover will cease at midnight on the 30th day of the

holiday duration.

• Any costs resulting from a holida

y that started

before the commencement date.

• Any costs for tr

eatment occurring outside the

maximum holiday duration of 30 days.

• Any costs resulting from:

i. An injury or illness that ﬁrst showed clinical

signs before your holiday started; or;

ii. An injury

or illness that is the same as or has

the same diagnosis or clinical signs that your

pet had before your holiday started; or;

iii. An injury or illness that is caused by, relates

to or results from an injury, illness or clinical

signs your pet had before your holiday started

no matter where these are noticed or happen

in or on your pet’s body. We shall continue to

provide cover under this policy where your pet

is already receiving treatment for an on-going

condition under an existing policy with us.

• The cost of food for your pet.

• Costs resulting from an illness that ﬁrst showed

clinical signs within the waiting period.

• Any costs if the holiday was made to get

eatment abroad.

• Any costs to take your pet’s body home if it dies.

• Costs of cremation and disposal, including post

mortem costs, cofﬁns or caskets.

Pet Insurance – Accident Only

Section 5

Holiday delay

Sections of cover: Exclusions:

1. Cover

We will pay up to the beneﬁt limit as shown in your

schedule, subject to a maximum of £75 per full 24

hours delayed, for accommodation expenses incurred by

you if your holiday is delayed because your pet needs

immediate lifesaving surgery while you are away. Yo u

must, at your own expense, provide us with receipts

showing the dates and costs you had to pay;

i) You and y

our pet must meet all the conditions of

the PETS and it’s your responsibility to check all

the current rules of this scheme before travelling.

Yo u must have a current pet passport before

you start your holiday and any other necessary

documents needed under the PETS;

ii) Your pet must be in good health and ﬁt to travel at

the start of your holiday;

iii) Your pet must not work on a holiday (other than

as a registered guide or hearing dog);

iv) You must not make more than 2 holidays (which

last no more than 30 da

ys each) in a policy period;

v) Your pet must not have been outside the

qualifying countries included in the

PETS, in the

timeframe detailed in the rules of the PETS before

the start of your holiday.

v) Your pet must not have been outside the

qualifying countries included in the

PETS,

in the timeframe detailed in the rules of the

PETS before the start of your holiday.

Legal advice helpline

• Any costs resulting from a holiday that started

before the commencement date.

• Any costs resulting from an injury

or illness from

a pre-existing condition.

• Any costs resulting from an injury

or illness that

ﬁrst showed clinical signs before the date you

booked your holiday.

• Any claim caused by you failing to meet the

conditions of the PETS. This applies to conditions

set by the UK Government, a carrier or other

countries involved in the scheme.

• Any claim as a result of travel outside the qualifying

countries co

vered by the PETS.

• Any costs that the carrier may charge to carry out

checks.

• Your costs in meeting the conditions of the PETS

unless they are speciﬁcally covered in this policy.

• Any claim as a result of a malicious act, deliberate

injury or neglect caused b

y you or anyone

travelling with you.

• Yo u bringing your pet home if it dies.

• Any shortfall in payment or loss as a result of

cur

rency exchanges.

Lawyers are available to provide advice and explain legal issues relating to your pet in a friendly and

helpful w

ay.The Legal Advice Helpline number 0800 294 1263 is available 24 hours a day, 365 days a

year. Please quote your policy number.

Pet Insurance – Third party legal liability (dogs only)

Section 6

Third party legal liability (dogs only)

Sections of cover: Exclusions:

1. Cover

Where property is damaged accidentally or

someone is accidentally killed or accidentally

injured or becomes ill as a result of an incident

occurring within any member country or state

of the European Union during the policy period

involving your dog and for which you are legally

responsible we will indemnify you in respect of:

i. Compensation and the claimant’s costs and

expenses

ii. The legal costs and expenses incurred with

our

written consent for defending a claim made

against you under this section.

The maximum we will pa

y for third party legal

liability is shown in your schedule in respect of

any one occurrence or all occurrences of a series

consequent on or attributable to any one original

cause or source.

This section shall not apply to liability in respect of:

• Any compensation, costs or expenses:

i. For defending yo

u which we have not agreed

to in writing beforehand

ii. If yo

u are legally liable because of a contract

you have entered into;

iii. If the claimant is a person who lives with you,

is a member of y

our immediate family or is

employed by you;

iv. Which involves y

our employment, profession,

occupation or business;

v. If yo

u, a member of your immediate family or

any person who lives with you or is employed

by you is responsible for or is looking after the

property damaged;

vi. Where yo

u have not followed advice given

to you by previous owners of your dog or by

any re-homing organisation about your dog’s

behavioural traits;

vii. For an incident at y

our workplace;

viii. If y

ou are insured under any other insurance

policy that covers the same loss unless that

cover has been exhausted.

1616

Pet Insurance – Accident Only

Sections of cover: Exclusions:

• Any claims:

i. Arising from loss or destruction of, or damage

to, an

y property, or death of or bodily injury

to any person, directly or indirectly caused

by pollution or contamination, unless the

pollution or contamination is directly caused

by a sudden, identiﬁable, unintended and

unexpected incident which occurs in its

entirety at a speciﬁc time and place during

the period of insurance. All pollution or

contamination which arises out of one incident

shall be deemed to have occurred at the time

such incident takes place.

ii. Arising as a result of any deliberate act, wilful

default or neglect by you.

iii. As a result of your dog

worrying livestock.

iv. As a result of any person handling your dog

without y

our permission or consent.

v. The ex

cess applicable to this section of cover

vi. The matters referred to in the what’s not

vered section.

vii. The cost of ﬁnes, penalties, punitive,

xemplary, aggravated, liquidated and multiple

damages.

• Any claim or other proceedings against you or

your immediate family lodged or prosecuted in a

court outside the United Kingdom.

Pet Insurance – Third party legal liability (dogs only)

Speciﬁc conditions applicable to Section 6 – Third party legal liability (dogs only)

1. Yo u must not admit responsibility, agree to pay any claim or negotiate with any other persons following an incident.

2. Yo u must provide us with any information relating to the claim we ask for including detail of your pet’s medical

and behavioural history, history of ownership and details of any other insurance policies that might contribute

towards compensating the claimant.

3. Yo u agree f

or us to take charge of your claim and allow us to prosecute, defend or settle the same on terms

we are advised are reasonable in your name for our beneﬁt.

4. Yo u agree to help us ascertain all the circumstances of an incident leading to a claim, provide written statements

and go to court if we require it.

5. You must immediately send us an

y writ, summons or legal documents of whatever nature relating to a claim

made against you and you must never send any replies to such documents.

1818

Pet Insurance – Accident Only

General conditions applicable

to this policy

1. If at the time of an event giving rise to a claim under

this policy, there is any other insurance policy in your

name which is in force and which provides cover for

the same expense, loss, damage or liability then we

will only be liable for our proportionate value of the

claim, such proportion being determined by reference

to the cover provided under each of the relevant

policies. This General Condition does not apply to

section 6 – third party legal liability (dogs only).

2. A dog on a public highway must be on a collar

and lead under control. Reasonable steps must

be taken to ensure a dog does not escape or

stray and any area in which a dog is kept must

be secure and appropriately fenced or otherwise

secured. If in the UK, your dog must have a collar

that shows your details so you can be contacted

if your dog becomes lost.

3. Yo u must be the o

wner of your pet who must

live with you at your home address, as detailed

within your schedule. If you are no longer the

owner or your pet stops living with you at your

home address you must notify us immediately as

this may invalidate your policy or reduce the level

of claim payments. Yo u must live in the UK, the

Isle of Man, or the Channel Islands where you and

your pet live permanently for at least 9 Months

within the period of insurance.

4. Yo u must inf

orm us as soon as possible of any

change in circumstances relevant to this policy,

including change of address, change of ownership,

if your pet has been used for breeding, if your pet

has had complaints made about its behaviour or

any other change relating to your pet concerning

information we have previously asked for. Failure

to do so may invalidate this policy or reduce the

level of claim payments. We may alter the terms of

this policy when we are notiﬁed of such changes.

5. During the policy per

iod you must take care of

your pet including arranging and paying for any

treatment normally recommended by your vet to

prevent or reduce the risk of illness or injury.

6. Yo u must ensure that

your pet is vaccinated against:

i. For dogs: distemper, hepatitis, leptospirosis;

and when entering a boarding k

ennel or show:

parvovirus and kennel cough;

ii. For cats: distemper, hepatitis, leptospirosis,

enteritis, leukaemia and cat ﬂu;

iii. You must k

eep your pet’s vaccinations up to

date, as recommended by your vet. If any of

the above diseases are not vaccinated against

they will be excluded from the policy;

iv. If you go against y

our vet’s advice for a

speciﬁc vaccination the disease will be

excluded from your policy.

7. You must ensure that your pet is wormed and ﬂea

treated regularly and if there is a risk of contagion,

to keep your pet isolated from the same.

8. Yo u must not misrepresent, misstate, omit or

conceal any information, (such as current and past

health of your pet, previous medical treatment or

conditions, behavioural issues, previous or existing

legal proceedings against you in respect of your

pet, etc.) from the application for this insurance

or when renewing it or claiming against it. Failure

to do so may result in us cancelling or voiding this

policy and retaining any paid premiums or reducing

the level of claims payments depending on the

circumstances in respect of any period of cover.

9. If we ha

ve made any overpayment regarding claim

settlements, this will be requested back in full

and/or deducted from any future claims.

10. When inviting renewal of this policy we may, at our

sole discretion amend the premium and/or terms

and conditions of your policy.

11. We may pursue in your name, but for our beneﬁt and

at our cost, any claims for damages or other costs.

12. Where a dispute arises due to a difference of

opinion bet

ween vets then we shall appoint an

independent vet whose decision shall be binding.

The costs of the independent vet will be shared

equally by you and us.

13. Rights of third parties. T

he parties do not intend

any term of this agreement to be enforceable

pursuant to the Contract (rights of third parties)

Act 1999 nor any amendments to the Act or

replacement legislation.

Pet Insurance – Making a claim

Making a claim

Pet Insurance 0370 060 0078

Calls may be recorded and monitored. Call charges will vary

In the event of an accident, injury, illness, loss,

destruction or damage giving rise or likely to give

rise to a claim under this policy, you must either:

1. Download a claim form from

https://www.legalandgeneral.com/_resources/pdfs/

insurance/pet/general-claim-f

orm.pdf

2. Contact us by email on [email protected].

3. Contact us by telephone 0370 060 0078 and

request we send you a claim form. Full instructions

of how to complete the claim form will be provided.

Yo u must co-operate fully and truthfully to give us

any information they may need.

Conditions of settling claims

1. If requested by us, the vet attending to your

pet or the usual or previous vet must, at your

expense, provide us with all information about

your pet, including its full medical history or its

treatment as we may require.

2. Yo u and

your vet will have to complete all

applicable sections of our claim forms and submit

the same to us before a claim can be assessed

by us. An incomplete claim form will be returned

and this will delay settlement of your claims.

We will not pay any fee charged by your vet for

completing the claim form. Your fully completed

claim form should be returned to us without

undue delay and in any event within 90 days of

the incident occurring or your renewal if sooner.

4. Write to Fairmead Insurance Limited, 3rd Floor,

he Podium, Centre City House, 5 Hill Street,

Birmingham B5 4US and request we send you a

claim form. Full instructions of how to complete the

claim form will be provided. Yo u must co-operate

fully and truthfully to give us any information we

may need.

3. As to section 2 – death of pet from accident and

section 3 –

pet funeral/cremation, in order for a

claim to be made it is your responsibility to prove

the price paid for your pet. If proof of purchase is

not provided, we will pay up to £75 for a cat and up

to £150 for a dog subject to the deductions shown

in the age deduction table.

4. For a claim under section 2 death of pet from

accident y

ou must provide us with documentary

evidence of the reward offer made and details of

the beneﬁciary.

5. Yo u must continue to pa

y your premium and

renew your policy in order to receive payment for

claims. In the event you fail to pay your premium,

lapse your policy or cancel your policy, all claim

payments will cease from the date the policy is

either lapsed or cancelled, or from the date of

default in the event of non-payment and no further

monies will be due from us.

Pet Insurance – Accident Only

What is not covered

We will not be liable for any claim for or involving:

• Any pre-existing conditions.

• Any claims for illness displaying clinical signs

within 14 days of the commencement date.

• Any claims arising from your pet being neutered

or spa

yed.

• Any claim arising as a result of any sexually

transmitted disease, rabies, Aujesky’s disease,

leishmaniasis, epidemic outbreaks or any

‘notiﬁable’ disease as listed by the Department

for Environment, Food & Rural Affairs (DEFRA).

• We will not pa

y a claim that is in any way untrue

or fraudulent, or arises from a malicious, wilful or

criminal act on the part of any person.

• Any claims arising as a result of Acts of Parliament,

y law or central or local government regulation

• Any costs which are not incurred as a direct

consequence of the e

vent which led to the claim

you are making under this policy.

• Any claims arising as a result of your pet

undergoing organ transplants or an

y experimental

surgical procedures.

• Any loss or damage to any property, or any legal

liability, directly or indirectly caused by or contributed

to or arising from:

a. Ionising radiations or contamination by

radioactivit

y from any nuclear fuel, or from

any nuclear waste from the combustion

of nuclear fuel, the radioactive, toxic,

explosive, or other hazardous properties of

any explosive nuclear assembly or nuclear

component of such assembly;

b. War, invasion, act of foreign enemy, hostilities

(whether w

ar be declared or not), civil war,

rebellion, revolution, insurrection, military or

usurped power.

• Any loss, injury, damage, death or legal liabilit

directly or indirectly caused by, happening through,

in consequence of or contributed to:

a. An epidemic, pandemic or other such

health w

arning, and declared as such by the

Department of Health and Children and/or the

World Health Organisation;

b. Arising from any fear or threat (whether actual

or perceiv

ed) of such epidemic or pandemic

being declared or occurring;

c. Any action taken in controlling, preventing,

suppressing or in any way relating to any

outbreak of such epidemic or pandemic.

If we allege that, by reason of this exclusion, any claim

is not covered by this policy the burden of proving the

contrary shall be your responsibility.

• Where you have not followed advice given to

you by previous owners of your pet or by any

re-homing organisation.

• Payments where we have not received the correct

premium before the start of each policy period.

• Payments under this policy unless yo

u have

complied with all the terms, conditions and

endorsements of this policy.

• We shall not pay any claims where your pet has

been used in any trade, profession or business, other

than show dogs, including breeding, unless we have

agreed in writing to cover such use. Show dogs are

covered subject to policy terms and conditions.

• We shall not be liable f

or any claims of any kind

which are caused by your pet straying, escaping,

damaging property, or attacking persons or pets if

your pet has done this on any previous occasion.

Excluded pets

• Any dogs used for trade, profession or business.

• Any dogs used as gundogs, used for or in connection

with shooting or f

or the purposes of hunting of any

kind whether for business or recreational purposes.

• Any dogs used for guarding, racing, coursing or

beating whether for business or recreational

purposes.

• Any pets used for breeding (any more than one

accidental pregnancy would be classed as breeding).

Please note there is no cover for any injury/illness/

treatment resulting from or relating to breeding,

whelping or kittening.

(continues)

Pet Insurance – What is not covered

(continued)

• The following dogs, as outlined in the Dangerous

Dogs

Act 1991, and/or any dogs crossbred from

these, are speciﬁcally excluded from cover under

any section of this policy:

i. Pit Bull Terrier;

ii. Japanese Tosa/Tosa Inu;

iii. Dogo Argentino (also referred to as Argentine

Dogo and

Argentinian Mastiff);

iv. Fila Brasileiro.

Including any “type”, as deﬁned in the Dangerous

Dogs Act 1991, considered to match the

description of a prohibited “type”; any breed

crossed with the above; and any other breed or

type deemed be dangerous by the Secretary of

State and subsequently added to the Dangerous

Dogs Act 1991.

• In addition, the following types/breeds and/or any

dog crossbred from these are also e

xcluded from

cover under any and all sections of this policy:

African Crested Dog Inuit Dog

American Bandogge Irish Staffordshire

Bull Terrier

American Mancon Japanese Tosa

Argentinian Mastiff Korean Jindo

American Pit Bull Terrier Laika

American Staffordshire Libyan Desert Dog

Terrier

Australian Dingo Northern Inuit Dog

Bandogge Mastiff Perro de Presa

Canarios

Boerboel Pit Bull Mastiff

Bully Kutta Pit Bull Terrier

Canary Dog Presa Canarios

Canadian Inuit Dog Racing Greyhound

Cane Corso Sarloos Wolfhound

Cão Fila Shar Pei

Chinese Shar Pei Tamaskan Dog

Czechoslovakian Tosa Inu

olfdog

Dogo Argentino Utonagan Dog

Dogue Brasileiro Wolf Hybrid

Fila Brasileiro W

orking Sheepdog

• Any pet less than 8 weeks old.

• Claim settlements where you ha

ve failed to pay

the relevant premium due to us or you cancel your

policy. In these circumstances any eligible claim

payment will be deducted from any outstanding

premium due.

• The Applicable ex

cess, as shown in your schedule.

• Loss, damage, cost or expense of whatever nature

arising directly or indirectly from an act of ter

rorism

regardless of any other cause or event contributing

at the same time or in any other sequence to the

loss. For the purpose of this General Exclusion

an act of terrorism means the use of biological,

chemical and/or nuclear pollution or contamination

and/or threat thereof by any person or group

of persons whether acting alone or on behalf

of or in connection with any organisation(s) or

government(s) committed for political, religious,

ideological or similar purposes including the

intention to inﬂuence any government and/or to

put the public or any section of the public in fear.

• Any previous and/or existing occasions where

our pet has shown (or displayed) any adverse

behavioural or aggressive characteristics which

has been noted by you, the breeder, veterinary

practice, rehoming organisation or any previous

owner(s).

• Any loss or costs relating to your pet as a result

of worrying livestock including but not limited to,

cattle, sheep, pigs and horses.

• Any illness

that your pet contracted while outside

the United Kingdom that it would not normally

have contracted in the United Kingdom.

Pet Insurance – Accident Only

Cancellation

Our cancellation rights

We may cancel your policy if there are serious grounds to do so such as, but not limited to, fraud, non-payment or

if you have provided us with incorrect information.

Where we cancel

your policy we will provide you 14 days’ prior written notice to your last known address

unless we are required to cancel earlier.

We will refund a proportion of the premium, calculated on a daily pro-rat

a basis equivalent to the period of unused

cover, providing no claims have been made. If a claim has been made in the period of insurance, or there has been

an incident which may lead to a claim, no refund of premium will be given and all premiums will be due from you.

If we cancel your policy on the grounds of fraud, cancellation may be immediate and we may keep any premium

you have paid. We may also inform the police of the circumstances.

Your cancellation rights:

• If yo

u cancel this policy within 14 days of the start

date or renewal date, or after you receive your

policy documents, whichever is later, we will

refund you for the period of unused cover.

• If yo

u decide you don’t want this policy after 14

days of the start date or renewal date, or after you

receive your policy documents, whichever is later,

and you have not made a claim, we will charge you

for the period that we have provided cover to you.

If you have made a claim during the period of insurance then you will have to pay the full annual premium, so you

won’t receive a refund. With the exception for claims applicable to death, loss, straying or theft of your pet where

we will refund you on a pro-rata basis.

Yo u can cancel this policy at any time by calling us on 0370 060 0071. We may record and monitor calls.

Call charges will vary.

Our complaints procedure

If you have a complaint in relation to your policy

or a claim:

Please contact us quoting y

our policy number or

claim number.

0370 060 0089 We may record and monitor

calls. Call charges will vary.

Fairmead Insurance Limited, 3rd Floor,

The Podium, Centre City House, 5 Hill Street,

Birmingham B5 4US

[email protected]

If you remain dissatisﬁed, you can complain to:

0800 023 4567

0300 123 9 123

Financial Ombudsman Service,

Exchange Tower, London E14 9SR

complaint.info@ﬁnancial-omburdsman.org.uk

Online Dispute Resolution Platform

The European Commission has established an Online Dispute Resolution Platform (ODR Platform) at:

http://ec.europa.eu/consumers/odr/ that is speciﬁcally designed to help EU consumers who ha

ve bought

goods or services online from a trader based elsewhere in the EU and subsequently has a problem with that

online purchase. The ODR platform will refer your complaint to the Financial Ombudsman Service who will

pass it on to Fairmead Insurance Limited.

Other information

Disclosure

In conducting business, we ma

y communicate your

personal information to organisations to whom we

may outsource certain functions or to associated

companies. Any such communication is performed

with strict adherence to our privacy policy.

Language

All communication between you and us will be

conducted in English.

Updating your records

If you think your records are wrong or out of date,

particularly y

our contact details, you must contact

us immediately to correct them. Yo u can do this

by calling 0370 060 0071 or by emailing

[email protected].

Altering your policy

Should yo

u wish to alter your policy please contact

our ofﬁce. This can be done in writing by post to

Fairmead Insurance Limited, 3rd Floor, The Podium,

Centre City House, 5 Hill Street, Birmingham

B5 4US or by email to

[email protected] or

y telephone on 0370 060 0071. If you have not

received an acknowledgement from us within 14

days, you must post the details by recorded delivery.

The information you gave us

When providing information about your pet’s health,

condition or behaviour we require you to take

reasonable care and answer any questions honestly and

to the best of your knowledge as this may inﬂuence our

decision whether or not to insure your pet. If you fail

to do this we may be entitled to amend or cancel this

policy, retaining premiums or reduce the beneﬁts due.

Fraud

Fraudulent information and claims inevitably result in

increases on all policyholders

’ premiums. If you make

a false or exaggerated claim or provide us with false

information we will not pay your claim and we may

void your policy (cancel your policy and not return

any premiums paid to date). If we have already issued

payments in settlement of any claim, we will request

reimbursement of the full amount. We also have the

right to inform the relative authorities or share this

information with the Insurance Fraud Investigators

Group (IFIG) or other relevant Fraud authorities.

Policy Duration

All our

policies are annual policies which run for 12

consecutive calendar months. Before the end of

each 12 month period we will write to you to inform

you about any changes to the premium and/or policy

terms and conditions for the next 12 months. In the

event of payment default, you have 7 days from this

date to contact us to arrange payment. If payment is

not received, your policy will be cancelled from the

default date.

Renewal

If yo

u pay your premium by Direct Debit there is no

need for you to take further action, your policy will

automatically continue at the end of the 12 month

period subject to policy terms and conditions. A further

12 equal monthly payments will be taken, reﬂecting the

premiums stated within your renewal documentation.

If you pay by debit or credit card you need to contact

us to make payment before the renewal date.

If yo

u do not wish your policy to renew at the end of

the policy period you should inform us immediately

and before the date of renewal at the latest. Yo u

should also cancel your Direct Debit or continuous

credit card mandate.

At our discretion, we ma

y offer to renew this policy.

if we do, we will send details to you about any

conditions and the premium for the year ahead

21 days in advance of your cover ending.

Yo u should t

ake reasonable care to inform us of any

factors relating to your pet which have changed since

the policy started or since the last renewal.

About the Insurer

Policies are underwritten by Fairmead Insurance

Limited. Registered in England No. 00423930.

Registered Ofﬁce: 57 Ladymead, Guildford, Surrey

GU1 1DB.

Fairmead Insurance Limited is authorised by the

rudential Regulation Authority and regulated by

the Financial Conduct Authority and the Prudential

Regulation Authority. (Financial Services Register

number: 202050)

(continues)

(continued)

Pet Insurance – Accident Only

This can be checked on the Financial Services

Governing Law and Courts

This policy booklet, your policy schedule, any

www.fsa.gov.uk/register/ﬁrmSearchForm.do or

applicable endorsements and amendment notices we

www.fca.org.uk/register which includes a register

issue to yo

u at renewal, together all form the contract

of all the ﬁrms they regulate, or by contacting them

between you and us. This contract will be governed

on 0800 111 6768.

under the laws of England and Wales, and any

reference we mak

e to speciﬁc statutes will mean the

As the underwriter, Fairmead Insur

ance Limited is

UK statute and equivalent laws in the Channel Islands

responsible for this policy document.

or Isle of Man.

Changes to the Policy

If there are changes to y

our policy as described in parts

of general conditions applicable to this policy which alter

the risk covered, we may either decline any insurance

risk or make changes to the premium and the terms

quoted.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to

compensation from the scheme if we cannot meet our obligations. Whether or not you are able to claim

and how much you may be entitled to will depend on the speciﬁc circumstances at the time.

For further information about the scheme, please visit the FSCS at www.fscs.org.uk or call them

on 0800 678 1100.

Change in circumstances

Yo u must inform us as soon as possible of any change in circumstances relevant to this policy, including change

of address, change of ownership, if your pet has been used for breeding, if your pet has had complaints made

about its behaviour or any other change relating to your pet concerning information we have previously asked

for. Failure to do so may invalidate this policy or reduce the level of claim payments. We may alter the terms of

this policy when we are notiﬁed of such changes.

Notes

legalandgeneral.com/insurance

Legal & General, L&G, L&G – EVERY DAY MATTERS and the Legal & General Logo are registered

trade marks of Legal & General Group PLC and are used by Fairmead Insurance Limited under licence.

Legal & General Group PLC has no responsibility for the products of Fairmead Insurance Ltd

or the servicing of those products. This policy is underwritten by Fairmead Insurance Limited

which is a member of the Liverpool Victoria General Insurance Group. Fairmead Insurance Limited

is not a member of the Legal & General group of companies.

Fairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated

by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services

57 Ladymead, Guildford, Surrey GU1 1DB.

QGI14115 01/20