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Helpucover – Classic Policy – Details

Helpucover Pet InsurancePolicy Type: Lifetime Cover

Vet Fees Cover Limit: £1,000 per condition per year (£4,000 to cover all conditions).

Maximum Age for New Policies: 7 years (dogs – but 4 years for certain breeds) 9 years (cats)

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 standard excess is £90 per condition per year for dogs and £60 per condition per year for cats.
  • You have to pay 25% of vet fees for pets over 8 years old

Vet Fees Benefits

Dental Costs:  For accidental injury or to relieve suffering due to illness
Prescription Food: Very limited cover. Only pays prescription food fr treatment of bladder stones/urine crystals (25% for 6 months) or 5 days liquid hospital food.
Euthanasia: Covered
Complementary Therapies: Provides £750 per condition (including “massage and healing”).  Hydrotherapy is limited to 10 sessions per condition.
Behavioural Therapy: Not covered.

Third Party Liability Cover

Third Party Liability: £1 million – No non-standard exclusions.

Additional Benefits

Death Benefit – Illnesses  Will pay the purchase price of your pet subject to a maximum of £500.  Not paid for cats over 10 years old or dogs over 8 years old (5 years old for certain breeds).
Death Benefit – Accidents  Will pay the purchase price of your pet subject to a maximum of £500
Theft & Straying Benefit Pays purchase price of your pet (maximum £500).
Advertising & Reward £500
Boarding Fees £500 Pays the cost of a licensed boarding establishment or £4 per day towards the cost of someone looking after your pet.
Holiday cancellation £500 Covers cancellation/curtailment as a result of pet requiring immediate lifesaving treatment shortly before travel or whilst on holiday. And curtailment as a result of pet going missing whilst away.

Travel Cover

Limitations: 90 days per policy year. Covers trips to any countries which are members of the PET travel scheme.
Vets Fees Abroad £750 (Included in overall vet fees limit)
Quarantine Fees  Not covered
Loss of Documents Cover  Not covered
Emergency Expenses Abroad.  Not covered


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