Key Facts

This summary doesn’t contain the full terms and conditions of you Pet Insurance cover. These can be found in the Policy Document, which you should read carefully when you receive it. You can download a copy now by clicking on Policy Document.

Name of the Insurer

The insurer is Fortis Insurance Limited.

Registered address: Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA. Registered number: 354568 ENGLAND

Fortis Insurance is authorised and regulated by the Financial Services Authority

Type of Insurance and cover

• Insurance for cats and dogs only.
• This insurance provides cover for veterinary fees, death from injury *, advertising and reward *, theft or straying *, boarding kennels fees*, and holiday cancellation* . Third party liability cover is provided for dogs only.
  *Silver and Gold policies only
• Cover is available in three categories - Your policy schedule will show which level of cover you have selected and the policy wording will show which limits apply to each level of cover.
• This is an annual insurance contract providing twelve months continuous cover. Your policy schedule will show the date your cover starts and ends.
• This policy will be governed by the law of England and Wales, unless we have agreed in writing otherwise.

General Condition

You must ensure that your pet has received the required vaccinations and boosters, failure to comply with this may jeopardise your claim or cover - Please refer to the General Conditions in the policy wording for a full description.

Significant Features and Benefits and Principal Exclusions or Limitations

Section 1 - Veterinary's Fee

• All reasonable costs for treatment of your pet by a vet for conditions caused by accident, illness or disease up to £1,000, £2,000 or £5,000 - Your policy schedule will show which level of cover you have selected.

Exclusions under Section 1

• Claims not reported within 60 days occurring. Claims for illness occurring within 10 days in inception (not including renewals).
• Cost of dentistry (unless to alleviate immediate paid and suffering) or fees in connection with training or behavioural problems unless caused as a result of an insured incident.
• Costs arising from preventative and elective treatments, routine examinations, vaccinations, spaying, castration, pregnancy or giving birth.
• Costs following death (eg burial / cremation).
• Fees for unapproved alternative medicine.

Section 2 - Third Party Liability (Dogs only)

• Legal liability up to £1,000,000.

Exclusions under Section 2

• Any claims for a pet under age of six weeks

Section 3 - Death from Illness

• The purchase price of your pet up to a maximum of £750 if it dies or in the event of humane destruction by a vet to alleviate incurable and inhumane suffering following an illness or disease. Your policy schedule will show which level of cover you have selected.

Exclusions under Section 3

• Not applicable to Dogs 9 years of age or more.
• Cats 11 years of age or more
• If no purchase receipt is available, replacement cost will be that of a similar pet.
• Any claims for a pet under age of six weeks

Section 4 - Death from Accident

• The purchase price of your pet up to a maximum of £750 if it dies or in the event of humane destruction by a vet to alleviate incurable and inhumane suffering following an illness or disease. Your policy schedule will show which level of cover you have selected.

Exclusions under Section 4

• If no purchase receipt is available, replacement cost will be that of a similar pet. Any claims for a pet under age of six weeks.

Section 5 - Advertising and Reward

• Up to £750 for the cost of local advertising and a suitable reward for recovery of your pet if your pet is lost or stolen. Your policy schedule will show which level of cover you have selected.

Exclusions under Section 5

• Any claims for a pet under age of six weeks

Section 6 - Theft or Straying

• The purchase price of your pet up to £750 if it is permanently lost due to being lost or stolen and no recovery has been made within 45 day despite advertising and the offer of a reward.

Exclusions under Section 6

• If no purchase receipt is available, replacement cost will be that of a similar pet. Any claims for a pet under age of six weeks.

Section 7 - Boarding Kennel Fees

• Up to £1,000 in total for boarding your pet if you or a member of your family permanently living with you is hospitalised on medical advice for more than 4 days. Your policy schedule will show which level of cover you have selected.

Exclusions under Section 7

• Any claims for a pet under age of six weeks.

Section 8 - Holiday Cancellation

• Any non-recoverable travel and accommodation expenses up to £2,000 if you have to cancel or cut short your holiday because your pet needs emergency life saving surgery within 7 days of your departure or whilst you are on holiday. Your policy schedule will show which level of cover you have selected.

Exclusions under Section 8

• Any claims for a pet under age of six weeks.

Section 9 - Accidental Damage

• Up to £500 for any liability that you become legally responsible to pay due to accidental damage caused by your pet. Your policy schedule will show which level of cover you have selected.

Exclusions under Section 9

• Any claims for a pet under age of six weeks.

Benefits

All levels of cover receive:

• Veterinary Helpline
• Bereavement counselling Helpline
• Pet Legal Helpline
• Pet Minders Helpline
• Overseas (Up to 30 days for Bronze and Silver, up to 12 months for Gold)

Please see 'Useful Telephone Numbers' in your policy document.

Pay Vet Direct (Please see your Veterinary at point of claim)

Excesses

Can vary, please see your Policy wording.

Cancellation procedures

If you wish to cancel this policy within 14 days of receipt of the policy documents you may do so by writing to us. Where this happens you will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover less any agreed charges, unless a claim has been made for the death/loss of your pet and then the premium in full must be paid.

Claims Notification

In the event of a claim please telephone our dedicated claims team on 0870 850 2306, providing your client reference number and we will direct you in what steps you then need to take.

Complaints Process

If you have experienced a problem with any part of our service, we will sort this out as quickly and fairly as possible

• Step 1 - Please contact the Quality Manager at Petwise, The Connect Centre, Portsmouth, Hants. PO2 8QL (tel 0870 241 3479)
• Step 2 - Please contact our Customer Service Adviser at: Fortis House, Tollgate, Eastleigh, SO53 3YA the address below.
• Step 3 - If you are not satisfied with our final decision, you can write to the Financial Ombudsman Service at South Quay Plaza 2, 183 Marsh Wall, London, E14 9SR.

See your policy booklet on how to make a complaint.

Financial Services Compensation Scheme ('FSCS')

We are members of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of any claim. The first £2,000 of a claim or policy is protected in full and above this threshold 90% of the rest of the claim can be met. Further information can be obtained from www.FSCS.org.uk.

** Price quoted is an example based on a 6 month old non-pedigree cat living in an area 1 postcode, with bronze cover - maximum vet bills of £1,000 per year. Prices may vary depending on circumstances.