We pay up to £3000 for each eligible condition for up to 12 months from the first treatment date (whichever limit comes first). The 12 month limit for each condition helps us to keep down the costs of long term illnesses e.g. maintenance drugs. It provides adequate cover for the majority of conditions, which do not require long term treatment and is normal for competitively priced policies.

Simply call us and we will send you a claim form to complete. If you prefer (and your vet agrees) we can also settle bills for treatment directly with the vet .

This is the amount you pay towards the vet fee claim for each condition. For all pets aged 7 or older the mandatory co-insurance amount is 20%. This is in addition to the standard excess of £55 for cats and £65 for dogs and any voluntary excess you may have selected.

For example, if a claim of £300 was made for a dog, the initial excess of £65 would be deducted and you would then be required to pay 20% of the remaining £235 balance, which is £47. Therefore the total you would be required to pay towards the claim is £112.