CSIS Silver

Policy Cancellation
2. If you wish to cancel this policy within 14 days of receipt of the policy documents you may do so by writing to us and returning your schedule of insurance. Where this happens you will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover, unless you have claimed for the death/loss of your pet then the annual premium must be paid in full.

Claims Conditions
1. In the event of any possible claim under any sections of this insurance you must notify Petwise as soon as possible and not later than 60 days after any possible incident likely to result in a claim.
If you do not notify us within 60 days and this prejudices our ability to verify the claim then, other than in exceptional circumstances, no payments will be made in respect of the claim.
2. If any liability under this insurance is covered by any other insurance policy we will not pay more than our rateable proportion.
3. Following a claim we shall be entitled to take over and exercise any rights in your name against any other party for our own benefit and at our own expense to recover any payment we have made under this policy
4. If no purchase receipt can be produced then we will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity.
5. You must not act in a fraudulent manner. If you or anyone acting for you :
- Makes a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
- Makes a statement in support of a claim knowing the statement to be false in any respect or
- Submits a document in support of a claim knowing the document to be forged or false in any respect or
- Makes a claim in respect of any loss or damage caused by your wilful act or with your connivance.
Then
- We shall not pay the claim.
- We shall not pay any other claim which has been or will be made under the policy.
- We may at our option declare the policy void.
- We shall be entitled to recover from you the amount of any claim already paid under the policy.
- We may inform the police of the circumstances.
Claims Made Overseas
In the event that your pet requires veterinary treatment whilst temporarily in Eire or a Member Country of the PETS Travel Scheme (long haul countries are excluded), payment of any treatment will be made by you to the vet whilst you are there.
Upon your return home you should telephone the claims helpline immediately and report the claim.
You will then be sent a claim form for completion and return with all the paid Veterinary receipts.
Settlement will then be made to you after the deduction of the excess in Sterling at the current rate of exchange, such payment discharging us from all further liability connected with such claim.
CLAIMS HELPLINE: 0870 850 2306
(Telephone line is open 8.00am to 6.00pm weekdays and 9.00am to 2.00pm on Saturdays.)
Please note that telephone calls may be monitored or recorded to assist with staff training and for quality control purposes.
1 Veterinary Fees
Upon commencement of treatment you should telephone Petwise and report the possible claim.
Petwise will then send you a claim form for completion by you and your vet. Please return the completed claim form to Petwise with supporting receipts, once this treatment has been completed.
Settlement can be made directly to the vet after deduction of the excess, such payment discharging us from all further liability connected with such claim.
We and / or Petwise has the right to request further information either directly from the vet or from you to confirm the validity of the claim at your expense.
2 Third Party Liability
(i) You shall not admit or accept liability, negotiate or make any payment or promise of payment without our written consent.
(ii) You should immediately contact Petwise on the above number and advise them of any possible claim. Petwise will then give you instructions on what to do with any letter, claim, writ or summons.
(iii) You are required to provide us with all the information that we may reasonably require.
(iv) We will have the sole conduct and control of any claim and legal proceeding relating thereto including the right to prosecute in the name of the insured but for our benefit for any claim, damages or liability.
3 Death from Accident and Illness
You must obtain a Veterinary Certificate at your own expense stating the date and cause of death. In the event that your pet is put to sleep (euthanised), you must obtain a Veterinary Certificate stating that this was necessary for humane reasons to terminate incurable suffering.
Death by illness does not apply in the case of dogs that are 9 or more years of age and cats that are 11 or more years of age.
4 Advertising and Reward
In the event of your pet being lost, you should telephone Petwise immediately and secure our approval prior to any expenditure.
5 Theft and Straying
1. The loss of dogs should be reported to the Police within 24 hours of disappearance.
2. For cats and dogs you should telephone Petwise and report the possible loss. A claim form should then be completed if there is no recovery of your pet after 60 days.
6 Accidental Damage
1. You should call Petwise immediately you are aware of any circumstances likely to give rise to a property damage claim. Then complete the claim form which is sent to you, detailing the exact circumstances including the description of the articles damaged and their purchase price if known.
2. You should not admit any responsibility for the damage until the claim has been reported and considered by us.
7 Boarding Kennel Fees
You should obtain at your own expense receipted bills from the licensed boarding kennel or cattery, detailing dates and expenses incurred.
You must also obtain at your own expense confirmation of the period you or your family members were in hospital and any additional information requested by us.
8 Holiday Cancellation Costs
You should obtain at your own expense the booking invoice and cancellation invoice from your travel agent or tour operator. This should detail the total unrecoverable charges made and the date of cancellation / curtailment.

Claims Conditions
2. If any liability under this insurance is covered by any other insurance policy we will not pay more than our rateable proportion.

Section 1: Veterinary Fees Cover
We will pay you for all reasonable and customary charges made for treatment carried out by a vet. Cover is provided for an accident, illness or disease occurring to your pet, subject to the indemnity limit or £3,000 and subject to written notice of such accident, illness or disease having been given to Petwise within 60 days of occurrence. The limit of cover and excess are on a per incident basis.
Cover is continuous for each separate incident up to the limit of the policy, subject to cover still being in force and relevant premiums having been paid. Treatment in
respect of any condition can continue until the original vet fees limit has been reached.
Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums paid up to date.
We cover fees for alternative medicine which the vet recommends and as approved by us (subject to approval we will authorise a limited number of hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
As well as the General Conditions applying to all Sections the following exclusions and conditions apply:
Exclusions:
The Company will not be liable for:
(Please refer to your current policy schedule to establish the excess / co-insurance applicable.)
1.
(a) The first £50 of each and every claim unless you have opted for a policy on a co-insurance basis, where the excess will be 10% of the cost of the treatment (subject to a minimum of £35) on each and every claim.
(b) Any treatment after the policy has lapsed/expired.
2. Veterinary fees in connection with:
(a) Any pre-existing conditions or illness unless previously agreed by Petwise.
(b) Any illness or condition (not accident) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.)
(c) Preventative and elective treatments, routine examinations and treatment including but not limited to:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition.
(d) Organ transplantation and associated cost.
(e) Behavioural problems and training unless caused as a direct result of an insured incident occurring during the period of insurance.
(f) Non-essential hospitalisation and / or house calls unless the vet declares that to move your pet would seriously endanger its health.
(g) Diet foods, other than for a 4 week period for a specific incident.
(h) The cost of dentistry except as result of an accident.
(i) Any claim for any form of special diet, housing, or bedding needed for the treatment or general wellbeing of your pet.
(j) Any claim for cryptorchism.
(k) Any claim as a result of a notifiable disease e.g. Rabies.
(l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering. Any charges in respect of disposal, cremation, or burial of your pet.
(m) The repair and treatment of umbilical hernias.
Territorial Limits
Your pet is covered whilst away from home with you in the United Kingdom, Northern Ireland, Isle of Man, Channel Islands and including Eire but only up to a
maximum stay of 30 days during the policy period. In accordance with the European Economic Community regulations this insurance also extends to cover your pet under the PETS Travel Scheme whilst temporarily located in any member country of the PETS Travel Scheme (Excluding long haul countries as defined by DEFRA), but only for a maximum stay of thirty (30) days during the policy period.

Section 1: Veterinary Fees Cover
We will pay you for all reasonable and customary charges made for treatment carried out by a vet. Cover is provided for an accident, illness or disease occurring to your pet, subject to the indemnity limit or £3,000 and subject to written notice of such accident, illness or disease having been given to Petwise within 60 days of occurrence. The limit of cover and excess are on a per incident basis.
Cover is continuous for each separate incident up to the limit of the policy, subject to cover still being in force and relevant premiums having been paid. Treatment in
respect of any condition can continue until the original vet fees limit has been reached.
Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums paid up to date.
We cover fees for alternative medicine which the vet recommends and as approved by us (subject to approval we will authorise a limited number of hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
As well as the General Conditions applying to all Sections the following exclusions and conditions apply:
Exclusions:
The Company will not be liable for:
(Please refer to your current policy schedule to establish the excess / co-insurance applicable.)
1.
(a) The first £50 of each and every claim unless you have opted for a policy on a co-insurance basis, where the excess will be 10% of the cost of the treatment (subject to a minimum of £35) on each and every claim.
(b) Any treatment after the policy has lapsed/expired.
2. Veterinary fees in connection with:
(a) Any pre-existing conditions or illness unless previously agreed by Petwise.
(b) Any illness or condition (not accident) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.)
(c) Preventative and elective treatments, routine examinations and treatment including but not limited to:
- routine spaying or castration.
- whelping or kittening.
- spaying for false pregnancy.
- spaying for mammary tumours.
- routine removal of dewclaws.
- routine worming and flea treatments.
- routine blood tests.
- any treatment in connection with pregnancy or parturition.
(d) Organ transplantation and associated cost.
(e) Behavioural problems and training unless caused as a direct result of an insured incident occurring during the period of insurance.
(f) Non-essential hospitalisation and / or house calls unless the vet declares that to move your pet would seriously endanger its health.
(g) Diet foods, other than for a 4 week period for a specific incident.
(h) The cost of dentistry except as result of an accident.
(i) Any claim for any form of special diet, housing, or bedding needed for the treatment or general wellbeing of your pet.
(j) Any claim for cryptorchism.
(k) Any claim as a result of a notifiable disease e.g. Rabies.
(l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering. Any charges in respect of disposal, cremation, or burial of your pet.
(m) The repair and treatment of umbilical hernias.

Section 1: Veterinary Fees Cover
Exclusions:
The Company will not be liable for:
2. Veterinary fees in connection with:
(b) Any illness or condition (not accident ) arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to
renewed policies.)

General Exclusions applicable to all sections of each policy:
We will have no liability for:
11. The recurrence or continuation of illness, disease or any condition from which your pet previously suffered arising prior to or within 10 days of inception of this insurance. (This exclusion is not applicable to renewed policies.)

Section 1: Veterinary Fees Cover
We cover fees for alternative medicine which the vet recommends and as approved by us (subject to approval we will authorise a limited number of hydrotherapy sessions provided these are administered by a member of the Canine Hydrotherapy Association.)
General Exclusions applicable to all sections of each policy
We will have no liability for:-
10. Any claims where medication has not been recommended by a vet.

6 weeks.
General Exclusions state:
General Exclusions applicable to all sections of each policy:
We will have no liability for :
2. Any claims for a pet under the age of 6 weeks.
Cover in respect of pets aged between 6 and 8 weeks will be restricted to accident only.

Section 3: Death from Illness
This section does not apply in the case of Dogs that are 9 or more years old and cats that are 11 or more years old.
1. We will Pay you up to the purchase price, or up to a maximum of £250, in the event your pet dies from illness or disease, or in the event of humane destruction, if certified by a vet as necessary to alleviate incurable and inhumane suffering of your pet, due to illness or disease.
If no purchase receipt can be produced, we will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity.
Subject to the General Conditions applying to all Sections.

Section 4: Death from Accident
1. We will pay you up to the purchase price, or up to a maximum of £250, in the event your pet dies from accident, or in the event of humane destruction, if certified by a vet necessary to alleviate incurable and inhumane suffering of the pet, due to accident.
2. If no purchase receipt can be produced, we will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity,.
Subject to the General Conditions applying to all Sections.

Section 5: Advertising and Reward
If your pet is lost or stolen, we will reimburse you for advertising in a local newspaper or other approved expenditure and for a suitable reward to be offered for recovery of your pet (previously agreed by us) up to a maximum of £250.
Subject to the General Conditions applying to all Sections.

Section 5: Advertising and Reward
If your pet is lost or stolen, we will reimburse you for advertising in a local newspaper or other approved expenditure and for a suitable reward to be offered for recovery of your pet (previously agreed by us) up to a maximum of £250.
Subject to the General Conditions applying to all Sections.

Section 6: Theft and Straying
1. We will pay you up to the purchase price or a maximum of £250, whichever is the lesser in respect of permanent loss due to your pet being lost or stolen and after no recovery has been made after 45 days despite reasonable and appropriate endeavours including advertising and reward.
2. If no purchase receipt can be produced We will pay the replacement cost of a similar pet up to the above stated maximum limits of indemnity.
Subject to the General Conditions applying to all Sections.

Section 7: Boarding Kennel Fees
We will reimburse you for boarding kennel or cattery fees, in a licensed boarding establishment, up to a maximum of £250, (in any one period of insurance) in the event that you or a member of your family permanently residing with you, is hospitalised on medical advice for a period exceeding 4 days.
As well as the General Conditions applying to all Sections the following exclusions apply:
Exclusions:
We will not be liable for:
1. Hospitalisation of you or any member of your family permanently residing with you as a result of pregnancy.
2. Any known medical condition likely to give rise to hospitalisation at the inception date of this insurance.

Section 8: Holiday Cancellation Costs
We will reimburse you for any non-recoverable cancellation and curtailment costs up to a maximum limit of £250, (in any one period of insurance), in the event that in your vets opinion your pet named in the schedule requires emergency life saving surgery, within 7 days of your departure on holiday and this necessitates cancellation or curtailment.
As well as the General Conditions applying to all Sections the following exclusions apply:
Exclusions:
We will not be liable for:
1. Non life-saving operations.
2. Any pre-existing or foreseeable condition or disease likely to necessitate emergency life saving surgery.
3. Any costs or expenditure for any holiday booked less than 28 days prior to departure.

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Pet Legal
Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way - available 24 hours a day, 365 days a year.
Telephone 0870 1628 153
(Telephone lines are open 24hrs a day, 365 days a year. Service provided by Capita.)

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Find a Vet:
If you or your pet are away from home whilst in the United Kingdom, Northern Ireland, Isle of Man, and Channel Islands and your pet needs urgent veterinary care, Petwise gives you access to our help lines so we can identify the nearest Vet for you.
Telephone 0870 850 2306
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays. Service provided by UIS.)

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Bereavement Counselling
An understanding, confidential and professional service enabling you to talk for as long as you need about the death or illness of your pet. Help and advice to address the symptoms brought about by bereavement is available 24 hours a day, 365 days a year.
Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year. Service provided by Capita)

Helplines
All policies include access to the following help lines (calls may be monitored or recorded):
Pet Minders
This enables you to locate a registered pet minder (on a national basis) for either a few minutes or indeed weeks, in order to look after your pet while you are away.
Telephone 0870 850 2306
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays. Service provided by UIS.)