Saga Super Cover

12. If this policy does not meet your needs you have the right to cancel it at any point during its duration. You can also telephone us on 0845 366 1608 to cancel your policy .You can write to us at Saga Services Limited, The Saga Building, Middelburg Square, Folkestone, Kent CT20 1AZ. Cancellation is effective from the date your letter is dispatched.
We will refund any premium owing to you on a pro-rata basis, if you have not made a claim. If you cancel your policy within 14 days of receiving it we will refund your full premium within 30 days, unless you have made a claim.If you have made a claim in the first 14 days, we will give you a pro-rata refund on your premium based on the cover you have had. If after 14 days you have not cancelled your policy, we will assume that you have accepted the terms and wish your policy to continue for the agreed period of cover. We may cancel this policy by giving you seven days notice by recorded delivery letter. We will send this notice to your last known address.

Making a claim
If you need to make a claim, the following procedure will help guide you through the process.
1. Please first check the schedule and policy to make sure that you are covered for this type of claim. If you are in any doubt, please call us on 0800 056 6063.
2. If the event is covered, please call us on 0800 056 6063. We will ask for your name, address and policy number.
3. We ask that you tell us of any claim as soon as is reasonably possible and supply any supporting documentation that is requested.
4. When you call we will take some relevant details and send you a claim form within two working days.
5. We will respond to you within five working days of receiving your completed claim form.
Veterinary Fees
A claim form completed by your veterinary surgeon and a detailed veterinary account must support each claim.
Death from illness or disease
We require a completed claim form and certificate from your veterinary surgeon stating the start date and cause of death.In the event that your pet is put to sleep we require a certificate from your veterinary surgeon confirming that this was necessary for humane reasons to terminate incurable suffering. With the completed claim form please submit formal proof of the purchase price for your pet.
Death resulting from accidental external means
We require a completed claim form and certificate from your veterinary surgeon stating the start date and cause of death.In the event that your pet is put to sleep we require a certificate from your veterinary surgeon confirming that this was necessary for humane reasons to terminate incurable suffering. With the completed claim form please submit formal proof of the purchase price for your pet
Boarding kennel fees
In the event of you being hospitalised we will require a claim form completed by the hospital or your general practitioner, confirming the period of stay in hospital and also receipted accounts from the boarding kennel or cattery, with dates or written confirmation from the person looking after your pet.
Third party liability
In the event of any incident occurring that may give rise to a third party liability claim or accidental damage claim, you must immediately inform us and we will supply a special claim form.
Travel allowance
We require a completed claim form advising the point of departure, final destination and mileage covered, plus written confirmation from your veterinary surgeon that the referral of the insured pet was on his or her recommendation.
Advertising and reward costs
Advertising and reward cost claims. In the event of the insured pet being lost or stolen,a completed claim form with details of recovery expenses and detailed accounts (advertising/reward)should be supplied.On the claim form you must also supply the name and address of the person/persons who recovered your pet.
Loss by theft or straying
Should the insured dog be stolen or lost, the police must be notified, and you should supply us with the date, time and reference number of such report. For both dogs and cats, you should also make enquiries of veterinary surgeons in the area. If after 30 days the pet has not been recovered a claim form may be submitted. In the event of the insured pet being recovered after a claim has been settled, then we are entitled to a refund of the amount paid.With the completed claim form please submit formal proof of the purchase price for your pet.
Holiday cancellation
We require a claim form completed by your veterinary surgeon.You should also obtain the booking invoice and cancellation invoice from your tour operator or travel agent showing date of booking, holiday dates, total cost,date of cancellation and the irrecoverable charges incurred as a result of the cancellation.
Accidental Damage
In the event of any incident occurring that may give rise to an accidental damage claim, you must immediately inform us and we will supply a special claim form.

General Conditions
7. If at any time any claim arises under this policy and there is any other insurance covering the same liability, we will not be liable to contribute more than our rateable proportion of any such claim.

Section 1b - Veterinary fees - Essential and Super
Your Schedule shows if you are covered under this section of the policy.
We will pay for the costs of treatment your pet has received during the period of insurance for illness or injury up to the amount stated on page 23, inclusive of the maximum amount for complementary treatment and alternative medicine where Super cover applies as specified in your Schedule.

Section 7 - Death from illness, disease or accidental external means
This is not covered if you have Saver or Essential cover. Please check your Schedule.
We cover the following
(Please also refer to pages 20 and 21 for special conditions and claims procedures)
We will pay you the purchase price of your pet, up to the amount stated on page 23, in the event of death from illness, disease or accident, or if your pet has to be put to sleep for humane reasons by a veterinary surgeon during the period of insurance. If you did not pay for your pet or have no formal proof of how much you paid we will pay the market value.
We do not cover the following
a. Any costs if death results from an illness or disease first occurring or showing clinical signs within 14 days of commencement of this insurance.
b. Any amount unless a veterinary surgeon has put your pet to sleep because of incurable illness or injury and believes it is not humane to keep your pet alive because it was suffering.
c. Charges in respect of euthanasia and cremation.
d. Death from illness or disease when your pet reaches 10 years of age.
e. Pets put to sleep due to aggression unless attributed to a medical condition that is not an excluded or pre-existing medical condition.

Section 7 - Death from illness, disease or accidental external means
This is not covered if you have Saver or Essential cover. Please check your Schedule.
We cover the following
(Please also refer to pages 20 and 21 for special conditions and claims procedures)
We will pay you the purchase price of your pet, up to the amount stated on page 23, in the event of death from illness, disease or accident, or if your pet has to be put to sleep for humane reasons by a veterinary surgeon during the period of insurance. If you did not pay for your pet or have no formal proof of how much you paid we will pay the market value.
We do not cover the following
a. Any costs if death results from an illness or disease first occurring or showing clinical signs within 14 days of commencement of this insurance.
b. Any amount unless a veterinary surgeon has put your pet to sleep because of incurable illness or injury and believes it is not humane to keep your pet alive because it was suffering.
c. Charges in respect of euthanasia and cremation.
d. Death from illness or disease when your pet reaches 10 years of age.
e. Pets put to sleep due to aggression unless attributed to a medical condition that is not an excluded or pre-existing medical condition.

Section 5 - Advertising and reward costs
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay you an amount not exceeding the amount stated on page 23, subject to prior approval by us to cover local advertising expenses incurred in an attempt to recover your pet following its theft or straying, including the payment of a reward which leads to recovery.
We do not cover the following
(See also General Exclusions on page 19)
a. A reward claimed by any member of your family or household or by any person employed by you or residing with you.
b. Any amount spent trying to find your pet if we have not agreed to the way you are doing this.

Section 5 - Advertising and reward costs
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay you an amount not exceeding the amount stated on page 23, subject to prior approval by us to cover local advertising expenses incurred in an attempt to recover your pet following its theft or straying, including the payment of a reward which leads to recovery.
We do not cover the following
(See also General Exclusions on page 19)
a. A reward claimed by any member of your family or household or by any person employed by you or residing with you.
b. Any amount spent trying to find your pet if we have not agreed to the way you are doing this.

Section 8 - Loss by theft or straying
This is not covered if you have Saver or Essential cover. Please check your Schedule.
We cover the following
(Please also refer to pages 20 and 21 for special conditions and claims procedures)
We will pay you the purchase price of the pet up to the policy limit as specified in your Schedule following loss by theft or straying during the period of insurance where the pet is not recovered within 30 days. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value.
We do not cover the following
(See also General Exclusions on page 19)
a. Loss by theft or straying within 14 days of the commencement of this insurance.

Section 2 - Boarding kennel fees
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay for essential boarding kennel or cattery fees at a licensed kennel or cattery, up to the amount stated on page 23, for each insured pet should you suffer sickness, disease or bodily injury which has occurred and is diagnosed and reported during the policy period and necessitates you being hospitalised for a period exceeding 96 hours. Where the pet is looked after in the United Kingdom by someone who is not living with you, whilst you are in hospital we will pay a daily rate of £4 subject to the maximum limit shown on page 23.
We do not cover the following
(See also General Exclusions on page 19)
a. Any policyholder who has been hospitalised for more than 96 hours on any one occasion more than twice over the past three years.
b. The first £25 of kennel or cattery fees for each condition per pet.
c. Any costs arising from nursing home care or from convalescence care that you do not receive in a hospital.
d. Any costs arising from hospitalisation that you were aware was likely to be required at the start date of insurance.
e. Any costs resulting from you having to go into hospital for the treatment of alcoholism, drug abuse, drug addiction, attempted suicide or self-inflicted injuries.
f. Fees as a result of hospitalisation for anyone other than you.

Section 6 - Holiday cancellation
We cover the following
(Please also refer to pages 20 and 21 for special conditions and claims procedures)
We will pay you up to the amount stated on page 23 for non-recoverable expenses incurred:
a. if you need to cut short your holiday during the period of insurance because your pet:
i. requires emergency life saving treatment;
ii. becomes lost in the United Kingdom.
b. if you need to cancel your holiday within 7 days of your intended departure date because your pet:
i. requires emergency life-saving treatment;
ii. becomes lost in the United Kingdom.
We do not cover the following
(See also General Exclusions on page 19)
a. Any claim arising from a condition for which a routine vaccination is available, other than in respect of vaccine failure.
b. Expenses incurred in respect of any holiday booked less than 30 days prior to departure.
c. Expenses for anyone else who is travelling with you.
d. Any expenses resulting from an illness, disease or condition occurring or showing clinical signs within 14 days of the commencement of this insurance.

Section 9 - Accidental damage
This is not covered if you have Saver or Essential cover. Please check your Schedule.
We cover the following
(Please also refer to pages 20 and 21 for special conditions and claims procedures)
We will pay you up to the amount shown on page 23 for accidental damage caused by your pet to personal property that you and your family own. At our option we will settle any claim by payment, replacement or repair. We will pay claims based on the value of the item at the time the damage occurred.
We do not cover the following
(See also General Exclusions on page 19)
a. The first £100 of each claim.
b. Damage to property not owned by you or your family
c. Accidental damage to any motor vehicle.
d. Damage caused by biting, scratching, fouling or urinating.
e. The cost of replacing a damaged item with a new item or more than the original purchase price of any damaged item.

Section 4 - Travel allowance
We cover the following
(Please also refer to page 20 for special conditions and claims procedures)
We will pay you for reasonable travelling expenses incurred up to the amount stated on page 23 for each period of insurance, should your veterinary surgeon refer your pet to another veterinary practice or veterinary hospital for treatment. This cover is based on an allowance of 25p per mile.
We do not cover the following
(See also General Exclusions on page 19)
a. Any amount unless the cost of treatment of the illness or injury is covered under the Veterinary Fees section of the policy.
b. Any amount to travel to or from your pet's usual veterinary practice or branch practice of a group of veterinary practices your usual veterinary practice belongs to.