More Than Pet Insurance

YOUR RIGHT TO CANCEL THE POLICY
If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on the day you receive the policy documentation. To cancel please write to the address or call the number shown in your policy documentation. On receipt of your notice, we will refund any premiums already paid, except when you have already made a claim under your policy.

HOW TO CLAIM
Our aim is to provide a fast and efficient claims service to ensure payment to you of any valid claim as quickly as possible. To help us achieve this please read this section carefully, note the information we require for each type of claim and send your claim to us promptly. To request a Claim Form, please phone us on 0800 300 889.
Alternatively, write to us at MORE TH>N Pet Insurance, 35 Friday Street, Henley-on-Thames, Oxon RG9 1RX.
Always quote the Policy Number that is printed on your Policy Schedule.
Please state if it is a Third Party Claim Form that you need.
FOR VETERINARY TREATMENT FEES
1. At your own expense, the Claim Form must be fully completed by yourself and your Veterinary Surgeon and returned to us within 30 days of start of first treatment with the invoices for the treatment you are claiming.
If your Veterinary Surgeon tells you he/she wants to refer your pet to another Veterinary Surgeon for veterinary treatment costing more than £1,000 you must tell us before the referral happens or before your pet receives the veterinary treatment. If your pet needs emergency veterinary treatment immediately on the same day the referral takes place you must tell us as soon as you can.
We may ask for an estimate of the veterinary treatment to agree the cost or contact the referral Veterinary Surgeon to agree the cost.
If your pet develops an ongoing illness or injury please submit the first claim within 30 days of start of first treatment and then submit ongoing claims every 3-6 months.
To enable us to process your claim you must allow us to contact your present or previous Veterinary Surgeon and provide us with the necessary authority to obtain whatever information we require including your pets full clinical history if necessary. You will be responsible for any fee charged by any Veterinary Surgeon for providing any information required.
To claim under Pet Holiday Cover please send us within 30 days of your return to the UK:
- the receipt(s) for your pet's treatment
- a copy of your holiday booking invoice or any other official documents to show the dates of your holiday.
and tell us:
- the illness or injury your pet was treated for.
- the first and last date your pet was treated.
FOLLOWING THE DEATH OF YOUR PET
2. At your own expense, the Claim Form must be fully completed by you and your Veterinary Surgeon, and returned to us within 30 days, with your receipts(s). Your Vet must state the date and the cause of death or reason for having your pet put to sleep.
3. To claim the price you paid for your pet, please send your pets original pedigree certificate and purchase price receipt with the completed Claim Form. For non-pedigree pets please send the purchase receipt signed by the breeder or the person from whom you bought your pet, together with her/his name and full address. For rescue pets please send the paperwork you were given by the rescue centre showing the price/donation you paid. In the absence of the full supporting papers we will pay a fair price, based on the breed/type and year of birth at the time you got your pet.
We understand the sentimental value of your pet's original papers and wish to assure you they will be returned to you.
IF YOUR PET IS STOLEN OR GOES MISSING
4. You should immediately report the loss or theft of your pet to the Police.
You will be expected to show that you have taken all reasonable steps to find your pet, such as contacting local rescue centre's, dog wardens, local vets practices, and so on.
5. Write and tell us details of the steps you have taken to try to find your pet. To claim advertising expenses please attach full supporting receipts, together with a copy of the advertisement. To offer a reward, please telephone us first for approval of the amount before you offer or advertise.
If you pay an agreed reward, you will need to obtain a signed statement and receipt from the person who returns your pet confirming her/his name and address and the circumstances in which (s) he found your pet.
6. If your pet is not found within 30 days, you may claim the price you paid for your pet by sending the original pedigree certificate and purchase price receipt, For non-pedigree pets please send the purchase price receipt signed by the breeder or the person from whom you bought your pet, together with her/his name and full address. For rescue pets please send the paperwork you were given by the rescue centre showing the price/donation you paid.
In the absence of the full supporting papers we will pay a fair price based on the breed/type and year of birth of your pet. (If we pay a claim for the price you paid for your pet and (s)he is later found, you agree to return the payment and we will be happy to reinstate your pet s Policy to provide continued protection.)
FOR KENNELS/CATTERY OR BOARDING FEES IF YOU ARE HOSPITALISED
7. Write to us and tell us the illness or injury that caused you to go into hospital and the date of the first symptoms and send us an In-patient Certificate or letter from your Doctor or Consultant telling us the dates you were in hospital. You will have to pay any charge made for this. Please also send us a receipt from the kennels/cattery showing dates of your pet's stay and the daily fee charged.
FOR THIRD PARTY LIABILITY CLAIMS
8 .Please notify us immediately if your pet is involved in an incident which may give rise to a Third Party claim. We will send you a Claim Form to be completed and returned with full details. You should follow the procedures below:
A.If you receive any correspondence, writ, summons or any other legal document from or on behalf of the Third Party you must not answer any of these but they should be forwarded to the Insurer immediately.
B. You must not admit responsibility, negotiate or make any payment without our written consent.
C. You agree to provide any information that the Insurer may require.
D. You agree that the Insurer will take charge of your claim and that they have the right to prosecute in your name for their benefit.
E. All communications and enquires about a Third Party claim or possible Third Party claim should be in writing.
PAYMENT OF CLAIMS SETTLEMENT
9. Any payment due under Benefits A to G inclusive will be by cheque.
For claims under Benefit G - Pet Holiday Cover, cheques will be in pounds sterling and sent to your home address in the UK. We do not pay claims direct to Veterinary Surgeons abroad. Claim settlements are calculated using the official exchange rate on the day the claim in processed.

YOUR RESPONSIBILITIES
E. If you make a claim and you have cover under another insurance policy for similar loss, damage or liability we will only pay our share of the claim.

EXCESS FOR VETERINARY TREATMENT FEE CLAIMS
This section applies to claims under Benefit A only
You must pay an amount towards the cost of treatment your pet receives during the Policy Year for each illness, injury or clinical sign.
If, during the Policy Year:
- the same illness or injury happens more than once anywhere in or on your pets body; or,
- the same clinical signs are noticed more than once anywhere in or on your pets body, you must pay an amount towards the cost of treatment each time the illness or injury happens or the clinical signs are noticed.
Dogs

Age at time of treatment:
Under 9 years:  £70
9 years or over:  £70 + 20% of the rest of the cost of veterinary treatment

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule
G. Pet Holiday Cover fees for emergency veterinary treatment your pet received for an illness or injury in one of the European countries included in the UK Government's Pet Travel Scheme (PETS). Cover is limited to treatment received during the Policy year for one holiday that does not last for more than 21 days.
EXCLUSIONS
You will not be able to claim for the following:
A. Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an injury that happened or an illness that first showed clinical signs before the Policy start date; or,
2. an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before the Policy start date, no matter where the injury, illness or clinical signs are noticed or happen in, or on your pet's body.
Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an illness that first showed clinical signs within 14 days of the Policy start date; or,
2. an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of the Policy start date, no matter where the illness or clinical signs are noticed or happen in, or on your pet's body.
- Advertising or reward costs, or the price you paid for your pet, if (s)he is stolen or strays before the Policy start date or during the first 14 days after the Policy start date.
- Kennel or cattery fees if you go into hospital due to a medical problem which you knew about before the Policy start date.
B. Any routine dental treatment. Dental and gum disorders unless they are caused by an injury. And any other disorders that result from a dental or gum disorder unless the dental or gum disorder is caused by an injury.
- Vaccinations, worming, killing or controlling fleas, spaying, castration, grooming and de-matting.
- Any problems resulting from pregnancy, giving birth or rearing puppies or kittens.
- Any behavioural problem, mental or emotional disorder.
- The cost of food including food prescribed by a vet.
- Any cost relating to transplant surgery, including any post-operative care.
- Home visits, including those necessitated by your personal circumstances unless your Veterinary Surgeon states that moving your pet would endanger her/his health.
- Putting your pet to sleep (euthanasia), or disposal, cremation and post-mortems.
C. - Any claim arising when your pet is less than eight weeks old.
- Any claim due to any illness or injury, or any claim due to death, loss or damage which happens outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, except claims under Benefit G - Pet Holiday Cover.
- Any claim arising whilst the pet is being used in connection with any trade or business except shepherding.
- Any claim arising as a direct or indirect result of nuclear waste or radiation.
- Any claim caused by, resulting from or connected in any way to war, invasion, riot, revolution or any similar event.
- Any claim caused by, resulting from or connected in any way to:
i. any act of force or violence; including, biological, chemical and/or nuclear force or contamination; or,
ii. the threat of biological, chemical and/or nuclear force or contamination, by anyone:
iii. acting alone; or,
iv. acting for any organisation(s) or government(s); or,
v. connected with any organisation(s) or government(s), carried out:
vi. for political, religious, ideological or similar reasons; or,
vii. to influence any government(s); or,
viii. to put any section of the public in fear.
EXCESS FOR VETERINARY TREATMENT FEE CLAIMS
This section applies to claims under Benefit A only
You must pay an amount towards the cost of treatment your pet receives during the Policy Year for each illness, injury or clinical sign.
If, during the Policy Year:
- the same illness or injury happens more than once anywhere in or on your pets body; or,
- the same clinical signs are noticed more than once anywhere in or on your pets body, you must pay an amount towards the cost of treatment each time the illness or injury happens or the clinical signs are noticed.
Dogs

Age at time of treatment:
Under 9 years:  £70
9 years or over:  £70 + 20% of the rest of the cost of veterinary treatment

The rest of the cost of veterinary treatment means the amount left from the amount covered by this insurance after the £70 for dogs.
SPECIAL CONDITION
You pay an amount towards the cost of treatment your pet receives in each Policy Year. The amount you pay may be different for each Policy Year. You need to look at your Policy Schedule to find out the dates of your Policy Year and your Policy wording for the amount you have to pay.
At the start of each Policy Year we will tell you in your renewal documents the amount you have to pay towards the cost of treatment received in the coming year.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
A. Your pet s veterinary treatment fees received during the policy year for each separate illness and injury.
EXCLUSIONS
You will not be able to claim for the following:
A. Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an injury that happened or an illness that first showed clinical signs before the Policy start date; or,
2. an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before the Policy start date, no matter where the injury, illness or clinical signs are noticed or happen in, or on your pet's body.
Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an illness that first showed clinical signs within 14 days of the Policy start date; or,
2. an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of the Policy start date, no matter where the illness or clinical signs are noticed or happen in, or on your pet's body.
- Advertising or reward costs, or the price you paid for your pet, if (s)he is stolen or strays before the Policy start date or during the first 14 days after the Policy start date.
- Kennel or cattery fees if you go into hospital due to a medical problem which you knew about before the Policy start date.
B. Any routine dental treatment. Dental and gum disorders unless they are caused by an injury. And any other disorders that result from a dental or gum disorder unless the dental or gum disorder is caused by an injury.
- Vaccinations, worming, killing or controlling fleas, spaying, castration, grooming and de-matting.
- Any problems resulting from pregnancy, giving birth or rearing puppies or kittens.
- Any behavioural problem, mental or emotional disorder.
- The cost of food including food prescribed by a vet.
- Any cost relating to transplant surgery, including any post-operative care.
- Home visits, including those necessitated by your personal circumstances unless your Veterinary Surgeon states that moving your pet would endanger her/his health.
- Putting your pet to sleep (euthanasia), or disposal, cremation and post-mortems.
C. - Any claim arising when your pet is less than eight weeks old.
- Any claim due to any illness or injury, or any claim due to death, loss or damage which happens outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, except claims under Benefit G - Pet Holiday Cover.
- Any claim arising whilst the pet is being used in connection with any trade or business except shepherding.
- Any claim arising as a direct or indirect result of nuclear waste or radiation.
- Any claim caused by, resulting from or connected in any way to war, invasion, riot, revolution or any similar event.
- Any claim caused by, resulting from or connected in any way to:
i. any act of force or violence; including, biological, chemical and/or nuclear force or contamination; or,
ii. the threat of biological, chemical and/or nuclear force or contamination, by anyone:
iii. acting alone; or,
iv. acting for any organisation(s) or government(s); or,
v. connected with any organisation(s) or government(s), carried out:
vi. for political, religious, ideological or similar reasons; or,
vii. to influence any government(s); or,
viii. to put any section of the public in fear.
EXCESS FOR VETERINARY TREATMENT FEE CLAIMS
This section applies to claims under Benefit A only
You must pay an amount towards the cost of treatment your pet receives during the Policy Year for each illness, injury or clinical sign.
If, during the Policy Year:
- the same illness or injury happens more than once anywhere in or on your pets body; or,
- the same clinical signs are noticed more than once anywhere in or on your pets body, you must pay an amount towards the cost of treatment each time the illness or injury happens or the clinical signs are noticed.
Dogs

Age at time of treatment:
Under 9 years:  £70
9 years or over:  £70 + 20% of the rest of the cost of veterinary treatment

The rest of the cost of veterinary treatment means the amount left from the amount covered by this insurance after the £70 for dogs.
SPECIAL CONDITION
You pay an amount towards the cost of treatment your pet receives in each Policy Year. The amount you pay may be different for each Policy Year. You need to look at your Policy Schedule to find out the dates of your Policy Year and your Policy wording for the amount you have to pay.
At the start of each Policy Year we will tell you in your renewal documents the amount you have to pay towards the cost of treatment received in the coming year.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
A. Your pet s veterinary treatment fees received during the policy year for each separate illness and injury.

Definitions state:-
Veterinary treatment any examination, consultation, advice, test, x-ray, surgery, medication, nursing, care, acupuncture, physiotherapy, homeopathic and herbal medicine provided by a Veterinary Surgeon or an employee of a Veterinary practice under a Veterinary Surgeons instruction.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
C. The price you paid for your pet if before the age of 9 years (s)he has to be put to sleep or dies due to an illness.
EXCLUSIONS
You will not be able to claim for the following:
A. Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an injury that happened or an illness that first showed clinical signs before the Policy start date; or,
2. an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before the Policy start date, no matter where the injury, illness or clinical signs are noticed or happen in, or on your pet's body.
Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an illness that first showed clinical signs within 14 days of the Policy start date; or,
2. an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of the Policy start date, no matter where the illness or clinical signs are noticed or happen in, or on your pet's body.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
B. The price you paid for your pet if (s)he dies as a result of an injury at any age.
EXCLUSIONS
You will not be able to claim for the following:
A. Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an injury that happened or an illness that first showed clinical signs before the Policy start date; or,
2. an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from an injury, illness or clinical sign your pet had before the Policy start date, no matter where the injury, illness or clinical signs are noticed or happen in, or on your pet's body.
Veterinary treatment fees, or Pet holiday cover emergency veterinary treatment fees abroad as a result of, or the price you paid for your pet if (s)he dies as a result of:
1. an illness that first showed clinical signs within 14 days of the Policy start date; or,
2. an illness which is the same as, or has the same diagnosis or clinical signs as an illness that first showed clinical signs within 14 days of the Policy start date; or,
3. an injury or illness that is caused by, relates to or results from a clinical sign that was first noticed, or an illness that first showed clinical signs, within 14 days of the Policy start date, no matter where the illness or clinical signs are noticed or happen in, or on your pet's body.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
E. The cost of advertising to help find your pet if (s)he is stolen or strays, including any reward (subject to our prior agreement) that you pay for your pet s safe return.
EXCLUSIONS
You will not be able to claim for the following:
- Advertising or reward costs, or the price you paid for your pet, if (s)he is stolen or strays before the Policy start date or during the first 14 days after the Policy start date.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
E. The cost of advertising to help find your pet if (s)he is stolen or strays, including any reward (subject to our prior agreement) that you pay for your pet s safe return.
EXCLUSIONS
You will not be able to claim for the following:
- Advertising or reward costs, or the price you paid for your pet, if (s)he is stolen or strays before the Policy start date or during the first 14 days after the Policy start date.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule.
D. The price you paid for your pet if (s)he is stolen or strays if you are unable to find her/him after 30 days.

BENEFITS
You may claim up to the maximum amount shown on the Policy Schedule .
F. Licensed kennel or cattery fees for your pet if you are ill or injured and have to go into hospital except for the first 4 days of your hospital stay.
EXCLUSIONS
You will not be able to claim for the following:
- Kennel or cattery fees if you go into hospital due to a medical problem which you knew about before the Policy start date.

Yes
Website states when quotation is provided:-

"Your quote now includes access to 'Vetfone', a 24 hour helpline manned by vet nurses. They'll give you advice about the health and welfare of your pet when you need it".