Crufts Pet Insurance for Dogs

General Conditions
6. You have the right to cancel this policy during a period of 14 days after the later of the day of purchase of the contract or the day on which you receive your policy documentation. You may exercise your
right to cancel this policy by writing to us at:
Crufts Pet Insurance
2b Alton House Office Park
Gatehouse Way
Aylesbury HP19 8XU
- If there has been no claim or incident likely to give rise to a claim during the period of insurance, we will calculate any refund due to you on the following basis:
i) If you cancel this policy within the first 14 days, provided that there has been no claim(s) or incident that may give rise to a claim(s) we will refund any premium that has been paid.
ii) If a claim has been submitted or there has been any incident likely to give rise to a claim during the current period of insurance no premium refund will be given.
iii) If you cancel this policy after the first 14 days no premium refund will be given.

HOW TO CLAIM
General
1. We are unable to guarantee a claim over the telephone but please phone 01296 611602 as soon as possible to tell us that you need to claim. You do not need to contact us before any treatment begins. We will require your policy number when you call so you should have this ready. Please note that calls may be monitored or recorded to assist with training and for quality control purposes.
2. We will send you a claim form. Ask your vet to fill in the claim form as soon as you can and collect any extra documents and supporting information we ask for.
3. Crufts Pet Insurance 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.
4. Send your form and supporting documents to:
Crufts Pet Insurance
2b Alton House Office Park
Gatehouse Way
Aylesbury HP19 8XU
5. We will pay your claim if the claim form is correct and complete:
-When we have all the information we need to support the claim.
-When we are sure the claim is valid.
-When any legal action or other action has been settled.
6. If it is more convenient and your vet agrees, we can pay claims directly to your vet, after deductions.
You can tell us to to do this when you make a claim. We will not pay veterinary fees directly to anyone who is not a vet.
Claim Procedure Under Section 1
Veterinary Fees
1. The claim form must be returned within 60 days of the start of the treatment.
2. When you pay your vet for treatment of an injury or illness which is covered by this policy, keep the receipts.
3. When the treatment is over, send your claim form and receipts to us.
4. An interim claim can be submitted.
5. You must tell us if your dog needs more than one treatment for the illness or injury. Any continuation claims must be submitted at least every 60 days.
6. Please remember that claims only apply to treatment your dog receives whilst the cover is valid.
Claim Procedure Under Section 2
If Your Dog Dies From An Accident
1. Send the claim form to us as soon as possible after your dog dies, along with the purchase receipt and pedigree certificate (if applicable).
Claim Procedure Under Sections 3 & 4
If Your Dog Is Lost, Stolen Or Strays And Costs For Trying To Find Your Dog
1. You must notify your local police station within 48 hours of the theft or loss. Ask for our approval before you advertise or try other methods of finding your dog and keep any receipts for your expenditure. Notify us if your dog has not been recovered after 45 days and send in the purchase receipt and pedigree certificate (if applicable) together with any receipts for advertising costs and a covering letter explaining how the loss occurred.
2. If you are claiming for the recovery of a reward we will also need a receipt giving us the full name and address of the person who found your dog and the amount you have paid them.
Claim Procedure Under Section 5
Boarding Kennel Fees If You Have To Go Into Hospital
1. As soon as practicable contact Crufts Pet Insurance if you or a member of your family needs to be hospitalised.
2. Upon discharge from hospital a medical certificate must be obtained, at your own expense, substantiating the need for hospitalisation.
3. Send us the medical certificate, the receipt from the boarding kennels and a covering letter.
Claim Procedure Under Section 6
If You Have To Cancel A Holiday Or Come Home Early / Holiday Cancellation
1. As soon as practicable contact Crufts Pet Insurance if your dog requires emergency life-saving surgery within 7 days of your departure or whilst you are on holiday and this necessitates cancellation or
curtailment of your holiday.
2. Send a covering letter explaining when and why you had to pay each expense and your supporting documentation to Crufts Pet Insurance. This must include receipted bills from the travel company, tour
operator or from other such parties for the expenses that are being claimed detailing the date and charges incurred as a result of the curtailment or cancellation.
Claim Procedure Under Section 7
If Your Dog Injures Someone Or Damages Their Property / Third Party Liability
1. Contact Crufts Pet Insurance immediately and advise them of any possible claim. Crufts Pet Insurance will then give you instructions on what to do with any letter, claim, writ or summons.
2. Do not admit or accept liability, negotiate or make any payment or promise of payment without our written consent.
3. Do not answer letters from people who may claim against you or who are acting for people who may claim against you without our written consent.
4. You are required to provide us with all the information that we may reasonably require.
5. 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.
Claim Procedure Under Section 8
Overseas Travel Cover
In the event that your dog requires veterinary treatment whilst temporarily in Eire or a member country of the PETS Travel Scheme, payment of any treatment will be made by you to the vet whilst you are there.
Upon return home you should telephone Crufts Pet Insurance immediately and report the claim. Crufts Pet Insurance will forward you a claim form for completion and return. This form must be returned complete
with all paid veterinary receipts. Settlement of eligible claims will be made to you, after deductions, in sterling at the current rate of exchange, such payments discharging us from all liability connected with such
claim.
8 a) Quarantine Costs
1. You must retain all relevant receipts because we will require you to support your claim with evidence of expenditure.
2. We will ask you to support your claim with documentary evidence that your dog was microchipped prior to your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785.
8 b) Repeat Tick And Worming Treatment
1. You must retain all relevant receipts because we will require you to support your claim with evidence of expenditure.
2. We will ask you to support your claim with documentary evidence that the initial tick and worming treatment was obtained and that this was done in the time-scale required by the PETS Travel Scheme.
3. We will ask you to support your claim with evidence that the tick and worming treatment was necessary in order to comply with the PETS Travel Scheme.
8 c) Loss Of Pet Passport
1. You must retain all relevant receipts because we will require you to support your claim with evidence of expenditure.
2. We will ask you to support your claim with documentary evidence that the loss of the Pet Passport was reported to the issuing vet within 24 hours of discovery.
8 d) Emergency Expenses Abroad
1. In all cases you must retain all relevant receipts because we will require you to support your claim with evidence of expenditure.
2. We will ask you to support your claim with documentary evidence that your dog required emergency veterinary treatment, or that you reported your dog as missing to the local police station and animal welfare organisations within 48 hours of loss.
3. We will ask you to support your claim with documentary evidence that the loss of the Pet Passport was reported to the issuing vet within 24 hours of discovery.
4. We will ask you to support your claim with documentary evidence that your original departure for the United Kingdom was delayed by your carrier and that the tick and worm treatment was repeated as a result.

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
We will pay
Up to £2,500 for the cost of reasonable and customary fees made for treatment carried out by a vet your dog has received whilst insured and the cover is valid for each specifically identifiable accident, injury, illness or disease subject to written notice of such accident, illness or disease having been given to Crufts Pet Insurance within 60 days of occurrence. The limit of cover is on a per incident basis. Cover is continuous for each separate incident up to £2,500 subject to cover remaining in forceand monthly premiums kept up to date.
We will not pay:
1.The first £35 of treatment costs and 10% of any treatment costs over £35. This applies to each unrelated injury or illness treated.
2.For any Treatment exceeding 12 months after the start of the Incident.
3.Any pre-existing condition or illness unless previously agreed by Crufts Pet Insurance or any illness or condition arising prior to or within the first 10 days of the inception date of the insurance.
4. Fees for vaccination, grooming, killing and controlling fleas, routine treatment for worms or any form of housing or bedding needed for the treatment or general well-being of your dog.
5. Preventative and elective treatments, routine examinations and any claims arising as a result of these procedures including but not limited to routine spaying, spaying to prevent the recurrence of false
pregnancy, routine castration (including the removal of retained testes), the removal of dew claws, any post mortem costs, whelping or for any treatment in connection with pregnancy or giving birth.
6. Behavioural problems and training unless caused as a direct result of an insured incident occurring during the period of insurance.
7. Fees for non-essential hospitalisation, transportation by ambulance or house calls unless the vet confirms that to move your dog would seriously endanger your dogs health.
8. Diet foods other than for a 4 week period for a specific incident or a clinical diet that is only prescribed to help your dog lose weight.
9. The cost of dentistry that is not related to an illness or injury including but not limited to cosmetic dentistry, routine cleaning and descaling or treatment for under/over-shot jaws.
10. The cost of any form of dental treatment for dental disease where your Crufts Pet Insurance has not been in force for at least two consecutive years.
11. Fees for any alternative or complementary medicine unless carried out by a qualified vet and approved by us prior to treatment commencing.
12. Any claim as a result of a 'notifiable' disease e.g. Rabies.
13. Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering or any charges in respect of disposal, cremation or burial of your dog.
14. Any fee charged by your vet to complete the claim form.
15. Travelling expenses incurred either by yourself or your vet.
TERRITORIAL LIMITS
1. Your dog is covered whilst in the United Kingdom, Northern Ireland, Isle of Man and the Channel Islands.
2. In accordance with the European Economic Community regulations, provided that you comply with the PETS Travel Scheme, this insurance also extends to cover your dog under this scheme whilst temporarily
located in any member country of the PETS Travel Scheme (excluding long haul countries as defined by DEFRA) for overseas travel up to a maximum of 3 trips during any 12 month period and a maximum
stay of 30 days during any 12 month period.
3. The exception to this insurance cover is Eire, which is covered up to a maximum stay of 30 days during any 12 month period.
4. All overseas travel cover excludes third party liability cover for your dog and any claim arising within the territorial limits of Eire or member countries of the PETS Travel Scheme.
5. We recommend you check insurance cover requirements for your dog for the specific country of destination with your travel agent before travelling.

Section 1 - Veterinary Fees
We will pay
Up to £2,500 for the cost of reasonable and customary fees made for treatment carried out by a vet your dog has received whilst insured and the cover is valid for each specifically identifiable accident, injury, illness or disease subject to written notice of such accident, illness or disease having been given to Crufts Pet Insurance within 60 days of occurrence. The limit of cover is on a per incident basis. Cover is continuous for each separate incident up to £2,500 subject to cover remaining in forceand monthly premiums kept up to date.
We will not pay:
1.The first £35 of treatment costs and 10% of any treatment costs over £35. This applies to each unrelated injury or illness treated.
2.For any Treatment exceeding 12 months after the start of the Incident.
3.Any pre-existing condition or illness unless previously agreed by Crufts Pet Insurance or any illness or condition arising prior to or within the first 10 days of the inception date of the insurance.
4. Fees for vaccination, grooming, killing and controlling fleas, routine treatment for worms or any form of housing or bedding needed for the treatment or general well-being of your dog.
5. Preventative and elective treatments, routine examinations and any claims arising as a result of these procedures including but not limited to routine spaying, spaying to prevent the recurrence of false
pregnancy, routine castration (including the removal of retained testes), the removal of dew claws, any post mortem costs, whelping or for any treatment in connection with pregnancy or giving birth.
6. Behavioural problems and training unless caused as a direct result of an insured incident occurring during the period of insurance.
7. Fees for non-essential hospitalisation, transportation by ambulance or house calls unless the vet confirms that to move your dog would seriously endanger your dogs health.
8. Diet foods other than for a 4 week period for a specific incident or a clinical diet that is only prescribed to help your dog lose weight.
9. The cost of dentistry that is not related to an illness or injury including but not limited to cosmetic dentistry, routine cleaning and descaling or treatment for under/over-shot jaws.
10. The cost of any form of dental treatment for dental disease where your Crufts Pet Insurance has not been in force for at least two consecutive years.
11. Fees for any alternative or complementary medicine unless carried out by a qualified vet and approved by us prior to treatment commencing.
12. Any claim as a result of a 'notifiable' disease e.g. Rabies.
13. Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering or any charges in respect of disposal, cremation or burial of your dog.
14. Any fee charged by your vet to complete the claim form.
15. Travelling expenses incurred either by yourself or your vet.

Section 1 - Veterinary Fees
We will pay
Up to £2,500 for the cost of reasonable and customary fees made for treatment carried out by a vet your dog has received whilst insured and the cover is valid for each specifically identifiable accident, injury, illness or disease subject to written notice of such accident, illness or disease having been given to Crufts Pet Insurance within 60 days of occurrence. The limit of cover is on a per incident basis. Cover is continuous for each separate incident up to £2,500 subject to cover remaining in force and monthly premiums kept up to date.
We will not pay:
1.The first £35 of treatment costs and 10% of any treatment costs over £35. This applies to each unrelated injury or illness treated.
2.For any Treatment exceeding 12 months after the start of the Incident.
11. Fees for any alternative or complementary medicine unless carried out by a qualified vet and approved by us prior to treatment commencing.

SECTION 8 - Overseas Travel Cover
8 b) Repeat Tick And Worming Treatment
We will pay
We will reimburse you as a direct result of your departure for the United Kingdom being delayed by your carrier for reasonable fees incurred by you in getting repeat tick and worming treatment for your dog.
We will not pay
1. Any costs incurred in obtaining the initial tick and worming treatment.
2. Any costs incurred if the initial tick and worming treatment was not performed in the time-scale required by the PETS Travel Scheme.
3. Any costs incurred if the tick and worming treatment was not necessary in order to comply with the PETS Travel Scheme.

SECTION 2 - If Your Dog Dies From An Accident
We will pay
1. The price you paid for your dog as declared on the application form up to £1,000 if your dog dies because of an accident during the period of insurance.
2. We will pay you this money even if we have already paid for vet fees to treat the injury. Fire, lightning and poisoning are considered to be accidents, so you can claim if your dog dies because of one of these.
We will not pay
1. If your dog dies from an illness.
2. If your dog is put to sleep due to aggression.
3. If your dog dies as a direct or indirect result of an accident which occurred prior to you taking out this policy.

SECTION 4 - Advertising And Reward Costs If Your Dog Is Lost, Stolen Or Strays
We will pay
If you try to find your dog after it is lost, stolen or strays, we will reimburse you for advertising in a local newspaper or other approved expenditure for recovery of your dog up to a maximum of £500 (during any
12 month period). This includes up to £250 for the reward costs to recover your dog if it is lost, stolen or strays. You must contact us and wait for us to agree in writing before you pay any costs for trying to find
your dog.
We will not pay
1. Any advertising or reward costs if your dog is lost, stolen or strays within 10 days of you taking out this policy or any reward to a person living with you.

SECTION 4 - Advertising And Reward Costs If Your Dog Is Lost, Stolen Or Strays
We will pay
If you try to find your dog after it is lost, stolen or strays, we will reimburse you for advertising in a local newspaper or other approved expenditure for recovery of your dog up to a maximum of £500 (during any
12 month period). This includes up to £250 for the reward costs to recover your dog if it is lost, stolen or strays. You must contact us and wait for us to agree in writing before you pay any costs for trying to find
your dog.
We will not pay
1. Any advertising or reward costs if your dog is lost, stolen or strays within 10 days of you taking out this policy or any reward to a person living with you.

SECTION 3 - If Your Dog Is Lost, Stolen Or Strays
We will pay
The price you paid for your dog as declared on the application form up to £1,000 if during the period of insurance your dog is lost, stolen or strays and you dont get your dog back within 45 days. If you get your
dog back after we have paid you, you must pay back all of the money we paid.
We will not pay
1. If your dog is lost, stolen or strays within 10 days of you taking out this policy.

SECTION 6 - If You Have To Cancel A Holiday Or Come Home Early / Holiday Cancellation
We will pay
Up to a maximum limit of £1,000 (during any twelve month period) for any non-recoverable cancellation or curtailment costs in the event that in your vet's opinion your dog requires emergency life saving surgery
within 7 days of your departure or whilst you are on holiday and this necessitates cancellation or curtailment.
We will not pay
1. Any holiday cancellation costs because your dog needs surgery which is not life-saving.
2. Any holiday cancellation costs as a result of any pre-existing condition or foreseeable condition or disease likely to necessitate emergency life saving surgery or occurring within 10 days of the start of cover.
3. Any costs or expenditure for any holiday booked less than 28 days prior to departure.
4. Any costs for anyone else who is on holiday with you.

HELPLINES
All policies include access to the following helplines:
Healthcare Away From Home
Telephone: 0870 609 1438.
If You or Your Dog are away from home whilst in the United Kingdom, Northern Ireland, Isle of Man, and Channel Islands and Your Dog needs urgent veterinary care, Crufts Pet Insurance gives You access to Our helplines so We can identify the nearest Vet for You.

HELPLINES
All policies include access to the following helplines:
Pet Minders
Telephone - 0870 609 1438
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 dog while You are away.

SECTION 8 - Overseas Travel Cover
8 d) Emergency Expenses Abroad
We will pay
Up to £250 per trip, with a maximum of 3 trips and up to a maximum stay of 30 days during any 12 month period, towards:
1. Reasonable additional accommodation expenses and repatriation of you and your dog should your dog need emergency veterinary treatment and as a result of this you miss your return travel to the United
Kingdom.
2. Reasonable additional accommodation and transportation costs incurred by you due to your dog becoming lost during a journey whilst you try to find your dog before the due date of your return to the United Kingdom.
3. Reasonable additional accommodation and transportation costs incurred by you for up to 4 days if your dog is lost or strays before the date you are due to return to the United Kingdom and you elect to remain in the country where your dog went missing in an attempt to find your dog.
4. Reasonable additional accommodation expenses and repatriation of you and your dog should your departure to the United Kingdom be missed as a direct result of the loss of your dogs Pet Passport.
5. Reasonable additional accommodation expenses and repatriation costs of you and your dog should you be unable to get the re-scheduled departure for the United Kingdom as a direct result of having to get
the tick and worm treatment repeated because your original departure for the United Kingdom was delayed by the carrier.

SECTION 8 - Overseas Travel Cover
8 a) Quarantine Costs
We will pay
Up to a maximum of £1,500 per trip, with a maximum of 3 trips and up to a maximum stay of 30 days during any 12 month period, towards:
1. Quarantine kennelling costs and costs incurred in getting a new Pet Passport for your dog should a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fail.
2. Quarantine kennelling costs should, despite compliance with all the required regulations of the PETS Travel Scheme, your dog have to go into quarantine due to illness.
We will not pay
1. Any fees if the microchip was not checked and found to be functioning properly within 14 days of your departure on a journey.
2. Any fees arising from any condition of which you were aware before the start of the journey.

SECTION 8 - Overseas Travel Cover
8 c) Loss Of Pet Passport
We will pay
Up to a maximum of £250 towards the cost of a replacement Pet Passport should the original Pet Passport become lost during a journey. This includes any quarantine costs incurred as a direct result of the loss of the Pet Passport.
We will not pay
1. Any destruction, loss or theft of the Pet Passport that occurs prior to the start of your journey.
2. Any claim where the loss of the Pet Passport is not reported to the issuing vet within 24 hours of discovery.