The Pet Insurance

Guide 2016

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

LV= Premier Policy - Details

lv= pet insurancePolicy Type:  Lifetime Cover 

Vet Fees Cover Limit: £10,000 per year to cover all conditions. 

Maximum Age for New Policies: None

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

Vet Fees Benefits

Dental Costs: Pays for all treatment to to teeth and gums
Prescription Food: Only if used as an alternative form of medication.
Euthanasia: Not covered
Complementary Therapies: Will pay the cost of 10 sessions automatically.  Additional sessions need their approval.
Behavioural Therapy: Covers  treatment for “a mental or emotional disorder not caused by a lack of training or socialisation and that couldn’t have been prevented by training and/or socialisation.”

Third Party Liability Cover

Third Party Liability: £3 million – No non-standard exclusions.

Additional Benefits

Death Benefit – Illnesses  Will pay the purchase price of your pet (maximum £1,500).   Only for dogs under 9 years old and cats under 11 years old.
Death Benefit – Accidents  Will pay the purchase price of your pet (maximum £1,500). 
Theft & Straying Benefit  Will pay the purchase price of your pet (maximum £1,500).  
Advertising & Reward £1,500 (Includes a maximum of £500 for a reward).
Boarding Fees £1,500 Pays the cost of a licensed boarding kennel or pet minding service.
Holiday cancellation £3,000 Covers cancellation/curtailment as a result of pet requiring immediate lifesaving treatment shortly before travel or whilst on holiday. And cancellation costs as a result of pet going missing shortly before you travel.  Also where you were planning to take your pet and they die shortly before your trip or are too ill to travel.

Travel Cover

Limitations: Covers trips to any country which is part of the PET travel scheme.
Vets Fees Abroad Included in overall vet fees limit
Quarantine Fees £2,000                  
Loss of Documents Cover £500
Emergency Expenses Abroad  £1,000

 

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