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E&L – Diamond Monthly Policy – Details

e&l-pet-insurancePolicy Type: Time Limited Cover

Vet Fees Cover Limit: £6,000 per condition subject to a time limit of 12 months from the date the condition starts.

Maximum Age for New Policies: 7 years

 

Key Points to Note

  • This is lunar monthly policy – so you make 13 “monthly” payments over the year.
  • Specified limits for consultations, out of hours costs, hospitalisation etc.
  • Reduced death benefits
  • Includes dental cover for illnesses as well as accidents
  • Very limited prescription food cover
  • No cover for euthanasia
  • Includes £250 cover for travel costs for referrals
  • Be sure to read the E&L policy document carefully. Also read E&L – The Small Print
  • See full review of E&L strengths and limitations
  • See a summary of E&L customer reviews
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 standard excess depends on where you live and your breed of pet.
  • It is between £65 and £169
  • You pay a double excess for claims over £1,000
Dental Costs: For treatment required as a result of accident or illness except for tooth or gum disease
Prescription Food: Very limited cover. Only pays prescription food for treatment of bladder stones/urine crystals (max £100 – see E&L small print for further details) .
Euthanasia: Not covered
Complementary Therapies: Included within vets fees limits. Hydrotherapy is limited to £250 per condition.
Behavioural Therapy: Not Covered.

Third Party Liability Cover

Third Party Liability: £1.5 million – Read small print carefully as there are several exclusions

Additional Benefits

Death Benefit – Illnesses Will pay the lower of the market value or price you paid for your pet subject to a maximum of £1500. Will only pay 75% for neutered pets / 50% for pets aged 6 or 7. Not payable for pets over 8.
Death Benefit – Accidents Same as for illnesses except that there is no age restriction. 50% of benefit is payable for pets over 6.
Theft & Straying Benefit Same as for accidents
Advertising & Reward £1000
Boarding Fees £1500 Pays the cost of a “boarding establishment for hospital stays which are 3 days or more (most policies specify 4 days).
Holiday cancellation £2500 Covers cancellation/curtailment as a result of pet requiring immediate lifesaving surgery within 14 days of planned departure date.

Travel Cover

Limitations:
Vets Fees Abroad Not covered
Quarantine Fees Not covered
Loss of Documents Cover Not covered
Emergency Expenses Abroad. Not covered

More Information

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