Animal Friends Insurance

1 Page 1 of 45 Superior & Superior Plus Policy Wording/10th May 2016/Version Complete Guide to Your Super, Superior & Superior Plus Pet PolicyAnimal Friends InsuranceYour Ethical Choice Please contact us if you require a copy of the booklet in large print or Braille. Page 2 of 45 Page 3 of 45 Superior & Superior Plus Policy Wording/10th May 2016/Version & Superior Plus Policy Wording/10th May 2016/Version you for choosing to insure your companion with Animal Friends Insurance Services Limited, underwritten by Red Sands Insurance Company (Europe) Limited. Animal Friends was founded in 1998 with the sole aim of providing pet Insurance as a means to help support Animal welfare charities. The company s ethos, aims and values have enabled us to become one of the UK s leading pet Insurance pet lovers we hope that you do not have a reason to make a claim.

2 However, in the event that you do, you can be assured you will receive an excellent and understanding service from our specialist team of claims is important to read your policy documents carefully to ensure that the information is correct and the cover is exactly what you need; please particularly note any general or specific exclusions that have been applied to your there is anything that requires amending or you need further assistance, then please do not hesitate to contact one of our friendly and dedicated team on 0344 557 Booklet Effective Date:10th May 2016 0344 557 0300 Elaine FairfaxFounder and Managing Director Animal Friends Insurance Services Ltd. 0344 557 0300 Require any assistance? Call one of our helpful team:ContentsYour Policy Summary 4 Your Policy Wording 10 Definitions 10 Section 1: Vet Fees 12 Section 2: Death of Dog or Cat From Accident or Illness 16 Section 3: Loss by Theft or Straying 18 Section 4: Advertising and Reward 19 Section 5: Public Liability 20 Section 6.

3 Emergency Boarding Kennel/Cattery Fees 22 Section 7: Holiday Cover 23 Section 8: Holiday Cancellation Cover 25 Section 9: Dog Walker 26 Section 10: General Conditions 27 Section 11: General Exclusions 29 Section 12: Cancellation Rights 31 Section 13: Other Information 32 Section 14: Making a Claim 34 Section 15: Complaints Procedure 35 Terms of Business 36 Page 4 of 45 Page 5 of 45 Superior & Superior Plus Policy Wording/10th May 2016/Version & Superior Plus Policy Wording/10th May 2016/Version Policy SummaryAnimal Friends Insurance is underwritten by Red Sands Insurance Company (Europe) policy is a fixed-term contract of Insurance that provides cover for the cost of vet treatment required by your pet along with additional cover.

4 You may need to review and update the cover provided by your policy periodically to ensure it remains adequatefor your applying for this policy, you confirm that you meet the minimum inception criteria outlined in this document and that your demand and needs for veterinary cover are met by the features and benefits of this policy, now and in the following table provides a summary of the key policy features and benefits and any significant limits or exclusions. For full policy details and our full terms and conditions,please read your policy is Covered?What is not Covered?Significant Exclusions or LimitationsPolicy LimitsPageRefVet FeesWe will provide cover for;All reasonable costs for treatment of your pet by a vet due to accident, illness or disease up to the maximum limit as specified in your schedule.

5 (NB: Cover is provided for the lifetime that your policy is in force). Any treatment exceeding your condition limit. Any claim or costs for or relating to a pre-existing condition(s) or for an accident, injury or illness that first showed clinical signs at any time before the commencement date of the policy or within 14 days of the commencement date. Any accident or injury affecting the Cruciate ligament within 14 days of the commencement date. Any accident or injury that occurs within 5 days of the commencement date. Any claim which is not notified within 90 days of the treatment. Costs for cosmetic, elective, routine or preventative, treatments, examinations, vaccinations, spaying, castration, breeding and any claims as a result of any of these procedures.

6 Losses arising as a result of your pet undergoing organ/tissue transplants. Any dental or gum treatment. Any costs for out-of-hours fees unless required to prevent a life endangering condition. Costs arising from any vicious tendencies or behaviour problems shown by your pet. Any claims as a result of a notifiable disease rabies. The cost of any Condition Limit 1,000*.(With an inner limit of 500* for complementary medicine).SuperiorAnnual Condition Limit 2,000*.(With an inner limit of 500* for complementary medicine).Superior PlusAnnual Condition Limit 4,000*.(With an inner limit of 500* for complementary medicine).The following are deducted per claim;*ExcessAn excess is payable for each condition where the Treatment dates fall within different policy years.

7 *Co-PaymentA co-payment is payable for Dogs aged 8 years and older and for cats aged 10 years and refer to your schedule for the excess and co-paymentsapplicable for each is Covered?What is not Covered?Significant Exclusions or LimitsPageRefDeath, Theft or StrayingWe will provide cover for;A percentage of the market value, purchase price or the amount specified in your schedule, up to the maximum benefit limit , if your pet dies, is lost or stolen.(NB: If we pay a claim for your lost or stolen pet we will cancel your policy with effect from the date we pay the claim. No refund of premium will be due).Death Death as a result of any pre-existing condition(s) Death due to illness of your pet aged 8 years or older. Any claim if your pet dies from any accident or injury that occurred within the first 5 days of the policy commencement date.

8 Any claim if you or your vet notices changes in your pet s health or behaviour within the first 14 days of the commencement date and your pet dies as a result. Losses arising as a result of your pet undergoing organ/tissue transplants. Euthanasia due to behavioural or for fiscal or Straying Any claim where your pet has been missing for less than 45 days. If we pay a claim for theft or straying we will cancel your policy with effect from the date we pay the claim. No refund of premium will be due. Theft that does not involve forcible or violent entry into a secured Benefit Limit Benefit Limit PlusMaximum Benefit Limit 1, and RewardWe will provide cover for;The cost towards advertising and reward for your lost pet up to a maximum of 200.

9 Any claim if your pet goes missing within the first 14 days of the commencement date. Your pet must be missing for at least 48 hours before a claim can be made. The amount of the reward can be no more than purchase price paid for your pet. Any claim caused by an immediate family member, relative or someone you know being responsible for the loss of your pet. Any advertising costs which are not supported by original receipts. Any claim for a reward by an immediate family member, relative, employee or someone you Benefit Limit 200. SuperiorMaximum Benefit Limit 200. Superior PlusMaximum Benefit Limit 6 of 45 Page 7 of 45 Superior & Superior Plus Policy Wording/10th May 2016/Version & Superior Plus Policy Wording/10th May 2016/Version is Covered?

10 What is not Covered?Significant Exclusions or LimitsPageRefPublic LiabilityWe will provide cover for;Third party death, injury or property damage as a result of an accident involving your pet where you are found legally liable. Costs for criminal proceedings against you. If the claimant is a person who lives with you, an immediate family member or your employee. Any fines, compensation or costs following your prosecution. Any claim resulting from your occupation, profession or business. If you are legally liable because of the contract you have entered into. Costs arising from any vicious tendencies or behavioural problems shown by your pet and you have not followed a behaviour modification programme. Loss or damage to property as a result of your pet s interaction with other animals or worrying livestock.