Holiday Cover

Provides cover should your pet be taken ill whilst you're away on holiday, is not allowed back into the UK after travelling or if you need to return home in an emergency after your pet becomes ill.

These benefits are only covered if you have requested the optional Holiday Cover and they are shown on your Certificate of Insurance.

Cover in this section applies in the United Kingdom and agreed countries only.


What is covered:

You will be paid up to £1,500 on Premier and Premier Plus (£1,000 applies on the Standard policy) in each period of insurance for travel and accommodation expenses that you cannot recover if you, or any member of your family permanently residing with you, have to cancel or cut short your trip because your pet:

  1. Has gone missing while you are away.
  2. Is injured or shows the first clinical signs of any illness, while you are away, or up to 7 days before you leave, and needs immediate life-saving treatment.


What is not covered:

  1. The amount of the excess shown in your Certificate of Insurance.
  2. Any amount or expense resulting from a pre-existing condition.
  3. Any amount or expense resulting from an illness which starts in the first 14 days of cover.
  4. Any amount unless a vet has certified your pet is too ill to travel or has to return home for treatment.
  5. Any amount if your trip was made to get treatment abroad.
  6. Any amount you can claim back from anywhere else.
  7. The cost of food.
  8. Anything mentioned in the General exclusions applicable to all sections of the policy or General exclusions only applicable to Section 5 – Holiday Cover.
  9. Any amount if a claim has not been submitted within one year of your trip being cancelled. 

Claims evidence:

The following is required:

  • A completed claim form.
  • Written confirmation of the treatment signed by your vet.
  • Cancellation invoices from your travel agent, tour operator or other holiday sales organisation. The invoices must show the dates and total cost of your holiday, the date you decided to cancel or return home and any expenses that you cannot recover.

The claim form and claims evidence must be sent within one year of your trip being
cancelled.

Cover in this section applies in the agreed countries only

What is covered:

If your pet is either unable to return to the United Kingdom or must be quarantined on return to the United Kingdom because of:

  1. An illness first showing clinical signs during your trip,
  2. The failure of the microchip, or
  3. The travel documents being lost or stolen,

You will be paid up to a maximum of £1,500 on Premier and Premier Plus (£1,000 applies on the Standard policy) in each period of insurance for:

  1. The cost to keep your pet in quarantine.
  2. The cost of getting duplicate travel documents.
  3. The cost of temporary accommodation while getting the duplicate travel documents.
  4. Any extra costs to travel home if the time in getting duplicate travel documents has caused you to miss your scheduled travel arrangements back to your home.

Special conditions relating to claims:

  1. When the travel documents are left unattended they must be kept in your locked accommodation or in the locked boot, covered luggage area or glove compartment of a locked vehicle.
  2. If the travel documents are lost or stolen, within 24 hours of discovering them missing, you must report the incident to the police and obtain a police report. If the loss or theft occurred on a ship, aircraft, train or coach you must report the loss to the operator and obtain a report.

What is not covered:

  1. Any costs resulting from a pre-existing condition.
  2. Any costs resulting from an illness which starts in the first 14 days of cover.
  3. Any costs resulting from an injury that happens or an illness first showing clinical signs before the start of your trip.
  4. Any costs if the microchip was not checked and found to be functioning properly within the 14 days prior to your departure on any trip.
  5. Any costs that can be reclaimed from anywhere else.
  6. Any costs that result from the failure of any microchip that does not meet the standards ISO 11784 or ISO 11785
  7. More than 7 days’ accommodation and more than £30 for each day’s accommodation.
  8. Anything mentioned in the General exclusions applicable to all sections of the policy or General exclusions only applicable to Section 5 – Holiday Cover.
  9. Any amount if a claim has not been submitted within one year of the date your pet returns home. 

Claims evidence:

The following is required:

  • A completed claim form,
  • Documents showing your pet was micro-chipped prior to your trip with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785,
  • The booking invoices from your travel agent, tour operator or other holiday sales organisation showing the dates of your trip,
  • The invoices and receipts to show the costs being claimed, and
  • If applicable the police or operator’s report.

The claim form and claims evidence must be sent to us within one year of the date your pet returns home.

Cover in this section applies in the agreed countries only

What is covered:

If your pet is injured or shows the first clinical signs of an illness during your trip and cannot travel home the same way it travelled abroad you will be paid up to a maximum of £1,500 on Premier and Premier Plus (£1,000 applies on the Standard policy) in each period insurance for:

  1. Extra costs to get your pet home,
  2. The cost of accommodation for you to stay after your scheduled date of travel home until your pet is well enough to travel, and
  3. If your pet dies, the cost of returning your pet’s body home or the cost of disposal in an agreed country.

What is not covered:

  1. Any costs resulting from an injury that happens or an illness first showing clinical signs before the start of your trip.
  2. Any costs that can be reclaimed from anywhere else.
  3. Any costs unless a vet has certified your pet is too ill to travel home the same way it travelled abroad.
  4. Any costs unless a vet has certified your pet is too ill to travel home on the scheduled date of departure.
  5. Any costs if your trip was made to get treatment abroad.
  6. More than 14 days’ accommodation costs and more than £30 for each day’s accommodation.
  7. The cost of a coffin, casket or other container for your pet’s remains.
  8. The cost of food.
  9. Anything mentioned in the General exclusions applicable to all sections of the policy or General exclusions only applicable to Section 5 – Holiday Cover.
  10. Any amount if a claim has not been submitted within one year of the date your pet returns home.

Claims evidence:

The following is required:

  • A completed claim form.
  • The booking invoices from your travel agent, tour operator or other holiday sales organisation showing the dates of your trip.
  • The invoices and receipts to show the costs being claimed.

The claim form and claims evidence must be sent within one year of the date your pet returns home.

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