The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

E&L - Silver Monthly Policy - Details

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

Vet Fees Cover Limit: £1,000 per condition subject to a time limit of 12 months from the date the condition starts (and a limit of £4,000 per policy year to cover all conditions).

Maximum Age for New Policies: 7 years

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

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 £750. 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 £600
Boarding Fees £750 Pays the cost of a “boarding establishment for hospital stays which are 3 days or more (most policies specify 4 days).
Holiday cancellation £1000 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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