Here's what you get...

A Choice of cover

As the saying goes, a pet is for life.  And we soon realise it's our job to look after them - whatever they get up to.  But getting insurance can be complicated and expensive.

Sainsbury's now offers two levels of cover for vet's fees to meet both your pet's needs and your budget:

• Up to £2,500*  (available over the phone only)
• Up to £6,500*  (available both online and over the phone)

It's simple to set up and the same product features apply to both levels of vet's fees.

*Variable excesses apply, full details available online or call us on 0800 0 56 57 58 for more information.

Policy summary

This policy summary does not contain full details and conditions of your insurance - these are located in your policy wording.

Name of the insurer

AXA Insurance UK plc.

Type of insurance & cover - insurance for cats & dogs

This insurance provides cover for veterinary fees, complimentary treatment, emergency boarding kennels and cattery fees, advertising and reward costs, theft or straying, accidental death, holiday cancellation and third party liability cover for dogs only. Please refer to the details of cover section in the policy wording for full details of what is covered.

Conditions

You must ensure that your pet has received the required vaccinations, failure to comply with this may jeopardise your claim or cover. Please refer to the General Conditions in the policy wording for a full description.

Features & benefits

• Section 1:  Veterinary Fees
• Section 2: Third Party Liability
• Section 3 & 4: Emergency Boarding Kennel, Cattery Fees & Daily Minding
• Section 5 & 6: Advertising, Reward Costs & Theft or Straying
• Section 7 & 8: Accidental Death & Death by Illness
• Section 9: Holiday Cancellation.
  
  

Exclusions

• General Exclusions
• Exclusions under Section 1: Veterinary Fees
• Exclusions under Section 3 & 4: Emergency Boarding Kennel, Cattery Fees & Daily Minding
• Exclusions under Section 5: Advertising & Reward Costs
• Exclusions under Section 6: Theft or Straying
• Exclusions under Section 7: Accidental Death
• Exclusions under Section 8: Death from Illness
• Exclusions under Section 10: Transportation & Overnight Expenses
• Exclusions under Section 11: Accidental Damage
• Exclusions under Section 12: Damage to Kennel or Basket
• Exclusions under Section 13: Quarantine Costs
• Exclusions under Section 14: Loss of Health Certificate
• Exclusions under Section 15: Repeat Tick & Worm Treatment.
  
  

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Section 1:  veterinary fees

• All reasonable costs for treatment of your pet by a vet up to £2,500 or £6,500 depending on the level of cover you have chosen or complementary treatment carried out under your vet's instruction up to £1,000.
• Treatment costs whilst abroad up to £2,500. This cover is subject to a maximum of three trips per year and a maximum trip duration of 60 days.
• Cost of a clinical diet in order to treat a specific illness up to £200 per condition and costs of treatment for behavioural problems up to £250.
  

Section 2: third party liability

Legal liability up to £2,000,000 if someone is injured or killed or their property is damaged as a result of an incident involving your pet.

Section 3 & 4: emergency boarding kennel, cattery fees & daily minding

Up to £100 per week to a maximum of £1,000 in total for boarding your pet at a licensed premises or the reasonable cost of paying someone to look after your pet if you or any member of your family normally living with you needs to go into hospital as an inpatient.

Section 5 & 6: advertising, reward costs & theft or straying

• The cost of local advertising if your pet is lost or stolen up to £1,000.
• The cost of a suitable reward if your pet is lost or stolen up to £250.
• The purchase price of your pet up to £750 if it is stolen or goes missing. If you have lost a dog you must report this to the police within 24 hours. In the case of cats you must make enquiries with local rescue centres.

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Section 7 & 8: accidental death & death by illness

• The purchase price of your pet up to a maximum of £1,500 if it dies or has to be put to sleep by a vet following an accident.
• The purchase price of your pet up to a maximum of £1,000 if it dies or has to be put to sleep by a vet following an illness.
  

Section 9: holiday cancellation

Any travel and accommodation expenses up to £3,000 that you cannot recover if you have to cancel or cut short your holiday because your pet has either gone missing or is injured or shows clinical signs of any illness while you are away or up to 28 days before you leave and needs immediate life saving surgery.

The following table shows the maximum benefit up to which you will be able to claim for additional covers provided automatically under this insurance:

	section	cover	limit
	Section 10	Transportation and overnight expenses	£150
	Section 11	Accidental damage	£500
	Section 12	Damage to kennel	£100
	Section 13	Personal accident to owner	£5,000
	Section 14	Quarantine costs	£2,000
	Section 15	Loss of health certificate	£250
	Section 16	Repeat tick and worming treatment	Covered
	Section 17	Emergency expenses abroad	£500

	Please refer to each section in your policy wording for further details of the extent of cover.

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Significant or unusual exclusions or limitations

The standard excesses shown within the policy wording and the Schedule of Insurance.

General exclusions

• War, hostilities, terrorist activity, revolution, military or usurped power, civil commotion, pollution, contamination or any similar events.
• Any pet under 8 weeks of age.
• The ownership of an animal covered by the Dangerous Dogs act 1991. Please refer to the policy wording for a description of the breeds of dog.
• Any claim associated with rabies.
• Your pet being used for breeding purposes.
• Repatriation of your pet following its death.

Exclusions under section 1: veterinary fees

• Pre-existing medical conditions.
• Costs occurring within the first 14 days of the start of cover.
• Continuation of an ongoing claim unless the premiums are paid.
• Any costs for obesity diets, dental or gum treatment and complementary treatments not carried out under the direction of a vet.
• Any costs resulting from vaccinations, spaying castration, pregnancy or giving birth.
  

Exclusions under section 3 & 4: emergency boarding kennel, cattery fees & daily minding

Any hospitalisation that is either known or foreseeable before cover commences.

Exclusions under section 5: advertising & reward costs

Any reward to any person living with you.

Exclusions under section 6: theft or straying

• Any amount until 90 days after the date of the loss.
• Any amount after 6 months from the date of the loss.

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Exclusions under section 7: accidental death

Any amount after 6 months from the date of the loss.

Exclusions under section 8: death from illness

• Any amount if the death results from injury or illness first occurring or showing clinical signs before cover starts or occurring within the first 14 days of the start of cover.
• Any claim if your pet is aged over 8 years at the time of the loss.

Exclusions under section 10: transportation & overnight expenses

• Any amount unless the cost of treatment is covered under Section 1: Veterinary fees.
• Any amount to travel to or from your pet's usual veterinary practice or between any practice or branch practice of a group of practices that your usual veterinary practice belongs to.

Exclusions under section 11: accidental damage

• Damage caused by your pet vomiting, fouling or urinating.
• Damage to any motor vehicle or its contents.

Exclusions under section 12: damage to kennel or basket

• Wear and tear or any gradually operating cause, rot or fungus or any process of cleaning, restoration or alteration.

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Exclusions under section 13: quarantine costs

• Any fees if the microchip was not checked and found to be functioning properly within 14 days of your departure on a journey.
• Any fees arising from a condition that you were aware of prior to travelling.

Exclusions under section 14: loss of health certificate

Any destruction, loss or theft that occurs prior to the start of your journey.

Exclusions under section 15: repeat tick & worm treatment

Any costs incurred in obtaining the initial tick and worming treatment.

Duration

This is an annually renewable policy.

Cancellation period

You are free to cancel this policy at anytime.

Claim notification

To make a claim contact 0800 445 444.

Making yourself heard

Any complaint you may have should in the first instance be addressed to the claim office or helpline as applicable. If you are not satisfied with the way in which your complaint has been dealt with, you should write to Head of Customer Care, AXA Insurance, Civic Drive, Ipswich, IP1 2AN. 

If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right  to take legal action.

Full details of addresses and contact numbers can be found within the Policy Wording.

Financial Services Compensation Scheme (FSCS)

AXA Insurance is covered by the FSCS, which is triggered when an authorised firm goes out of business. In the unlikely event you may be entitled to compensation from the scheme. Compensation under the scheme for:

• Compulsory insurance is covered in full.
• Non-compulsory insurance is protected in full for the first £2,000 and 90% of any amount above this threshold.

Full details are available at www.fscs.org.uk

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