The Kennel Club Healthcare Plan

GENERAL CONDITIONS
6. You may cancel this policy at any time by writing to us at:
Kennel Club Healthcare Plan
2B Alton House
Gatehouse Way
Aylesbury
Bucks
HP19 8XU
- If this policy is a new policy that has not been arranged in continuation of the Kennel Club Healthcare Plan Six Weeks Free Policy, or a renewal policy, we will calculate any refund due to you on the following basis:
If you cancel this policy within the first 14 days after the later of the day of purchase of the contract or the day on which you receive your policy documentation, 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.

CLAIMS CONDITIONS
1. In the event of any possible claim under any sections of this insurance you must notify the Kennel Club Healthcare Plan as soon as possible and not later than 180 days after any possible incident likely to result in a claim. Telephone: 01296 611600. If you do not contact us within 180 days of the incident and this prejudices our ability to verify the claim then, other than in exceptional circumstances, we will be unable to deal with your 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. You must not act in a fraudulent manner. If you or anyone acting for you:
- Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or,
- Make a statement in support of a claim knowing the statement to be false in any respect or,
- Submit a document in support of a claim knowing the document to be forged or false in any respect or,
- Make 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 since the last renewal date.
- We shall not make any return of the premium.
- We may inform the police of the circumstances.
HOW TO CLAIM
General
1. We are unable to guarantee a claim over the telephone but please phone 01296 611600 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 please 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. The Kennel Club Healthcare Plan 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 claim form and supporting documents to:
Kennel Club Healthcare Plan
2B Alton House Office Park
Gatehouse Way
Aylesbury
Bucks
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 that 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 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. When you pay your vet for treatment of an injury or illness which is covered by this policy keep the receipts.
2. When the treatment is over, send your claim form and receipts to us.
3. The claim form must be returned within 180 days of the start of the treatment or by the end of the period of insurance, whichever is the sooner.
4. An interim claim can be submitted.
5. Should you wish to claim for a clinical diet, you must submit an estimate of your dogs usual weekly or monthly food bill and we will pay the difference in cost between your dogs normal food and the clinical diet. In the absence of an estimate a deduction will be made for the usual cost of feeding your dog.
6. Claims for alternative or complementary medicine must be approved by the Kennel Club Healthcare Plan before the commencement of the treatment.
7. 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 180 days, or at the end of the period of insurance, whichever is the sooner.
8. Please remember that claims only apply to treatment your dog receives whilst the cover is valid.
Claim Procedure Under Section 2 - Transportation And Overnight Expenses
1. We will require an invoice for any accommodation from the hotel you stayed in. The invoice must show the dates and total cost of your accommodation.
Claim Procedure Under Section 3 - If Your Dog Dies
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 4 & 5 - 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. 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.
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 6 - Boarding Kennel Fees If You Have To Go Into Hospital
1. When you leave hospital, obtain a medical certificate and send us the medical certificate, the receipt from the boarding kennels and a covering letter.
Claim Procedure Under Section 7 - Daily Minding If You Have To Go Into Hospital
1. There must be no member of your immediate family able to look after your dog. We must agree to the amount to be paid to the person looking after your dog before they accept any responsibility unless emergency hospital treatment is required.
2. The claim must be supported by a cheque stub showing the amount paid, or written confirmation from the carer that the agreed sum has been received.
3. The claim must be supported by a medical certificate from the hospital you attended.
Claim Procedure Under Section 8 - If You Have To Cancel A Holiday Or Come Home Early / Holiday Cancellation
1. Send us receipts for the expenses you are claiming, and a letter explaining when and why you had to pay each expense.
Claim Procedure Under Section 9 - If Your Dog Injures Someone Or Damages Their Property / Third Party Liability
Contact us and wait for written instructions from us.
1. Do not admit to anyone that your dog was at fault.
2. Do not offer to make a payment to anybody.
3. Do not give anybody information or anything that could help them claim against you.
4. Do not answer letters from people who may claim against you, or who are acting for people who may claim against you.
Claim Procedure Under Section 10 - Overseas Travel Cover
1. 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.
2. Upon return home you should telephone the Kennel Club Healthcare Plan immediately and report the claim Telephone 01296 611600. The Kennel Club Healthcare Plan will forward you a claim form for completion and return.
3. This claim form must be returned complete with all paid veterinary receipts. Settlement of eligible claims will be made to you, after any applicable deductions have been made, in sterling at the current rate of exchange, such payments discharging us from all further liability connected with such claim.
10 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.
10 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.
10 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.
10 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 £10,000 for the cost of reasonable and customary fees made for any 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. This is subject to the submission of a claim form for such accident, injury, illness or disease having been made to the Kennel Club Healthcare Plan within 180 days of occurrence.
Cover is continuous for each separate incident up to £10,000, subject to cover remaining in force and premiums kept up to date. The policy is limited to a total of £10,000 per condition, including:
1. Vet fees for treating the illness or injury (including injuries caused by fire, lightning and poisoning).
2. Fees for a limited number of sessions for any alternative or complementary medicine as defined on page 4 of this booklet which the vet recommends and as approved by us. This includes a limited number of sessions of hydrotherapy, subject to a period of 90 days from the date of the first session, provided by pool operators who are members of the CHA (Canine Hydrotherapy Association).
3. Subject to approval the cost of treatment for behavioural problems carried out by a member of a professional organisation acting under the direction of a vet up to the maximum benefit of £250 per period of insurance.
4. The cost of a clinical diet for your dog as long as it is recommended by and only available from your vet. In this case we will pay the difference between the normal cost of feeding your dog and what you pay for the diet.
5. Fees for putting your dog to sleep as long as it is recommended by your vet.
6. The cost of cremation and burial up to the maximum benefit of £100 if your dog dies or has to be put to sleep by a vet as a result of an accident or illness covered by the policy.
7. Treatment of any condition can continue until the policy limit of £10,000 has been reached subject to the policy cover being continuous and premiums paid up to date.
We will not pay
1. The first £50 of treatment costs and 10% of any treatment costs over £50. This applies to each unrelated injury or illness treated.
2. Fees for vaccination, grooming, killing and controlling fleas or routine treatment for worms.
3. 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.
4. 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.
5. A clinical diet that is only prescribed to help your dog lose weight.
6. Fees for unapproved alternative or complementary medicine and also fees for the following: pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage or faith healing.
7. Fees resulting from an injury or illness specified as excluded on your Certificate of Insurance or Renewal Certificate and/or pre-existing conditions.
8. Fees for the cost of treatment your dog has received after the period of insurance unless the policy has been renewed and fees after the policy limit of £10,000 has been reached.
9. Any fee charged by your vet to complete the claim form.
10. Vet fees to treat an illness or disease, which arises within 10 days of the start of the policy. Not applicable to renewals or policies arranged in continuation of the Kennel Club Healthcare Plan Six Weeks Free Policy.
11. Travelling expenses incurred by your vet.
12. 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.
13. The cost of any form of dental treatment for dental disease where your Kennel Club Healthcare Plan has not been in force for two consecutive years.
14. Any claim for any form of housing or bedding needed for the treatment or well-being of your dog.
15. Any claim as a result of a notifiable disease e.g. Rabies.
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 subject to a maximum of three trips per period of insurance and a maximum trip duration of 60 days.
3. The exception to this insurance cover is Eire, which is covered up to a maximum stay of 60 days during any twelve 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 £10,000 for the cost of reasonable and customary fees made for any 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. This is subject to the submission of a claim form for such accident, injury, illness or disease having been made to the Kennel Club Healthcare Plan within 180 days of occurrence.
Cover is continuous for each separate incident up to £10,000, subject to cover remaining in force and premiums kept up to date. The policy is limited to a total of £10,000 per condition, including:
1. Vet fees for treating the illness or injury (including injuries caused by fire, lightning and poisoning).
2. Fees for a limited number of sessions for any alternative or complementary medicine as defined on page 4 of this booklet which the vet recommends and as approved by us. This includes a limited number of sessions of hydrotherapy, subject to a period of 90 days from the date of the first session, provided by pool operators who are members of the CHA (Canine Hydrotherapy Association).
3. Subject to approval the cost of treatment for behavioural problems carried out by a member of a professional organisation acting under the direction of a vet up to the maximum benefit of £250 per period of insurance.
4. The cost of a clinical diet for your dog as long as it is recommended by and only available from your vet. In this case we will pay the difference between the normal cost of feeding your dog and what you pay for the diet.
5. Fees for putting your dog to sleep as long as it is recommended by your vet.
6. The cost of cremation and burial up to the maximum benefit of £100 if your dog dies or has to be put to sleep by a vet as a result of an accident or illness covered by the policy.
7. Treatment of any condition can continue until the policy limit of £10,000 has been reached subject to the policy cover being continuous and premiums paid up to date.
We will not pay
1. The first £50 of treatment costs and 10% of any treatment costs over £50. This applies to each unrelated injury or illness treated.
2. Fees for vaccination, grooming, killing and controlling fleas or routine treatment for worms.
3. 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.
4. 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.
5. A clinical diet that is only prescribed to help your dog lose weight.
6. Fees for unapproved alternative or complementary medicine and also fees for the following: pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage or faith healing.
7. Fees resulting from an injury or illness specified as excluded on your Certificate of Insurance or Renewal Certificate and/or pre-existing conditions.
8. Fees for the cost of treatment your dog has received after the period of insurance unless the policy has been renewed and fees after the policy limit of £10,000 has been reached.
9. Any fee charged by your vet to complete the claim form.
10. Vet fees to treat an illness or disease, which arises within 10 days of the start of the policy. Not applicable to renewals or policies arranged in continuation of the Kennel Club Healthcare Plan Six Weeks Free Policy.
11. Travelling expenses incurred by your vet.
12. 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.
13. The cost of any form of dental treatment for dental disease where your Kennel Club Healthcare Plan has not been in force for two consecutive years.
14. Any claim for any form of housing or bedding needed for the treatment or well-being of your dog.
15. Any claim as a result of a notifiable disease e.g. Rabies.

SECTION 1 - Veterinary Fees
We will pay
3. Subject to approval the cost of Treatment for behavioural problems carried out by a member of a professional organisation acting under the direction of a Vet up to the maximum benefit of £250 per Period of Insurance.

SECTION 1 - Veterinary Fees
We will pay
4.The cost of a clinical diet for Your Dog, as long as it is recommended by and only available from, your vet. In this case we will pay the difference between the normal cost of feeding Your Pet and what you pay for the diet;
We will not pay
5. a clinical diet that is only prescribed to help your pet lose weight;

SECTION 1 - Veterinary Fees
We will pay
Up to £10,000 for the cost of reasonable and customary fees made for any 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. This is subject to the submission of a claim form for such accident, injury, illness or disease having been made to the Kennel Club Healthcare Plan within 180 days of occurrence.
Cover is continuous for each separate incident up to £10,000, subject to cover remaining in force and premiums kept up to date. The policy is limited to a total of £10,000 per condition, including:
1. Vet fees for treating the illness or injury (including injuries caused by fire, lightning and poisoning).
2. Fees for a limited number of sessions for any alternative or complementary medicine as defined on page 4 of this booklet which the vet recommends and as approved by us. This includes a limited number of sessions of hydrotherapy, subject to a period of 90 days from the date of the first session, provided by pool operators who are members of the CHA (Canine Hydrotherapy Association).
We will not pay
6. Fees for unapproved alternative or complementary medicine and also fees for the following: pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage or faith healing.

SECTION 3 - If Your Dog Dies
We will pay
1. The price you paid for your dog as declared on the application form up to a maximum of £1,500 if your dog dies because of an illness, injury or accident, during the period of insurance.
2. You are also covered if your dog dies because she is having puppies.
3. We will pay you this money even if we have already paid for vet fees to treat the illness or 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 when your dog is 9 years or over.
2. If your dog is put to sleep due to aggression unless this can be attributed to a medical condition.
3. If your dog dies from an illness or disease which arises or first shows clinical signs or symptoms within 10 days of you taking out this policy.
4. If your dog dies as a direct or indirect result of an illness, disease or accident which first shows signs or symptoms prior to you taking out this policy.

SECTION 10 - Overseas Travel Cover
10 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 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 1 - Veterinary Fees
6. The cost of cremation and burial up to the maximum benefit of £100 if Your Dog dies or has to be put to sleep by a Vet as a result of an Accident or Illness covered by the Policy.

SECTION 3 - If Your Dog Dies
We will pay
1. The price you paid for your dog as declared on the application form up to a maximum of £1,500 if your dog dies because of an illness, injury or accident, during the period of insurance.
2. You are also covered if your dog dies because she is having puppies.
3. We will pay you this money even if we have already paid for vet fees to treat the illness or 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 when your dog is 9 years or over.
2. If your dog is put to sleep due to aggression unless this can be attributed to a medical condition.
3. If your dog dies from an illness or disease which arises or first shows clinical signs or symptoms within 10 days of you taking out this policy.
4. If your dog dies as a direct or indirect result of an illness, disease or accident which first shows signs or symptoms prior to you taking out this policy.

SECTION 3 - If Your Dog Dies
We will pay
1. The price you paid for your dog as declared on the application form up to a maximum of £1,500 if your dog dies because of an illness, injury or accident, during the period of insurance.
2. You are also covered if your dog dies because she is having puppies.
3. We will pay you this money even if we have already paid for vet fees to treat the illness or 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 when your dog is 9 years or over.
2. If your dog is put to sleep due to aggression unless this can be attributed to a medical condition.
3. If your dog dies from an illness or disease which arises or first shows clinical signs or symptoms within 10 days of you taking out this policy.
4. If your dog dies as a direct or indirect result of an illness, disease or accident which first shows signs or symptoms prior to you taking out this policy.

SECTION 5 - Costs For Trying To Find Your Dog
We will pay
If you try to find your dog after it is lost, stolen or strays, we will pay you up to £1,000 for advertising and other appropriate costs. You must contact us and wait for us to agree in writing before you pay any costs for trying to find your dog. This includes up to £250 for the reward costs to recover your dog if it is lost, stolen or strays.
We will not pay
1. For money you spend trying to find your dog if we have not agreed to the way you are doing this.
2. Any reward to a person living with you.

SECTION 5 - Costs For Trying To Find Your Dog
We will pay
If you try to find your dog after it is lost, stolen or strays, we will pay you up to £1,000 for advertising and other appropriate costs. You must contact us and wait for us to agree in writing before you pay any costs for trying to find your dog. This includes up to £250 for the reward costs to recover your dog if it is lost, stolen or strays.
We will not pay
1. For money you spend trying to find your dog if we have not agreed to the way you are doing this.
2. Any reward to a person living with you.

SECTION 4 - If Your Dog Is Lost, Stolen Or Strays
We will pay
We will pay the price you paid for your dog as declared on the application form up to a maximum of £1,500 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
If your dog is lost, stolen or strays within 10 days of you taking out this policy.

SECTION 8 - If You Have To Cancel A Holiday Or Come Home Early / Holiday Cancellation
We will pay
Up to £3,000 if during the period of insurance:
1. You cancel your holiday or come home early because your vet believes your dog needs life-saving surgery.
2. You cancel your holiday less than 7 days before you were due to leave.
We will not pay
1. These costs for anyone else, who is on holiday with you.
2. If you cancel your holiday or come home early because your dog needs surgery which is not lifesaving.
3. If you booked your holiday less than 28 days before you were due to leave.
4. If you cancel your holiday or come home early as a result of any pre-existing or foreseeable condition or disease likely to necessitate emergency treatment or occurring within 10 days of the start of cover. Not applicable to renewals.
5. Where you can get these expenses back from anywhere else, for example, from travel insurance.

HELPLINES
All policies automatically include access to the following helplines:
- Healthcare Away From Home Telephone 0870 609 1438
If you and 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, you have access to a helpline so you can identify the nearest vet for you.

HELPLINES
All policies automatically 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 whilst you are away.

SECTION 10 - Overseas Travel Cover
10 d) Emergency Expenses Abroad
We will pay
Up to £500 per trip, subject to a maximum of 3 trips per period of insurance and a maximum trip duration of 60 days 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 7- Daily Minding If You Have To Go Into Hospital
We will pay
Up to £100 per week up to a maximum benefit of £1,000 of the reasonable cost of paying someone to look after your dog if you are ill or injured and have to go into hospital for more than 4 days.
We will not pay
1. If you have to go into hospital more than once for the same illness or injury, we will not pay more than £1,000 in total.
2. Where a member of your immediate family is available to look after your dog.
3. Daily minding fees incurred as a result of the hospitalisation of anyone other than you.
4. Daily minding fees incurred as a result of hospitalisation required due to your pregnancy.
5. Any known medical condition likely to give rise to hospitalisation at the start of cover.

SECTION 2- Transportation And Overnight Expenses
We will pay
Travel and accommodation expenses up to the maximum benefit of £150 that you or any member of your family permanently residing with you incur if your dog is injured or shows the first clinical signs of an illness and your usual vet recommends another vet treats your dog. We will pay reasonable costs for travel between your home and the other veterinary practice.
We will not pay
1. More than the maximum benefit payable per period of insurance.
2. Any amount unless the cost of treatment of the illness or injury is covered under Section 1 - Veterinary Fees.
3. Any amount to travel to or from your dogs usual veterinary practice or to, from or in between any practice or branch practice of a group of veterinary practices your usual veterinary practice belongs to.

SECTION 10 - Overseas Travel Cover
10 a) Quarantine Costs
We will pay
Up to a maximum of £2,000 per trip, with a maximum of 3 trips per Period of Insurance and a maximum trip duration of 60 days 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 has 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 10 - Overseas Travel Cover
10 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.