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Direct Line – Essential Policy – Details

direct-line-pet-insurancePolicy Type: Time Limited Cover

Vet Fees Cover Limit: £4,000 per condition for up to 12 months from time the condition starts.

Maximum Age for New Policies: 10 years (6 years for selected breeds of dogs) 

Key Points to Note

Disclaimer Notice: Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy. The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different.

Excess and Contribution Rates

  • The excess is £70 per condition for cats and £80 per condition for dogs
  • This can be doubled in return for a lower premium
  • You do not have to pay contribution payments for pets of any age. 

Vet Fees Benefits

Dental Costs: Includes cover for dental condition caused by accidents or underlying illnesses but not gum or tooth disease.
Prescription Food: Not covered.
Euthanasia: Not covered
Complementary Therapies: Included in vet fees.  Will only pay a maximum of £35 per session for hydrotherapy or physiotherapy.  Hydrotherapy and physiotherapy is limited to 15 sessions per condition.
Behavioural Therapy: Not covered

Third Party Liability Cover

Third Party Liability: Optional  £2 million – No non-standard exclusions.

Additional Benefits

Death Benefit – Illnesses   Not covered
Death Benefit – Accidents – Optional Pays purchase price of your pet (maximum £1,500).
Theft & Straying Benefit – Optional  Pays purchase price of your pet (maximum £1,500).
Advertising & Reward – Optional £1,000
Boarding Fees – Optional £1,000 Pays the cost of a licensed boarding establishment or professional minding service.
Holiday cancellation £2,000 Covers cancellation/curtailment as a result of your pet requiring immediate lifesaving treatment – or going missing shortly before you travel or whilst on holiday.

Travel Cover

Limitations: No more than 3 journeys of maximum of 30 days. Only covers trips to countries which are members of the PET travel scheme.
Vets Fees Abroad – Optional. Included in overall vet fees limit
Quarantine Fees – Optional £1,500
Loss of Documents Cover – Optional £350
Emergency Expenses Abroad – Optional  £200

More Information

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