How old can an animal be to get cover with Pet-n-Sur? Cats and Dogs that are not classified as a Select Breed have an entry age of under 12 years of age. Select Breeds have an entry age of under 8 years. Once the pet is covered and as long as the premiums are kept up to date the pet can be covered for life. Is there a stand-down period for the cover? There is a 21 day stand-down period for medical claims and 7 days for accident related claims. What is a 'specialist' and when would my pet need to be referred to one? In general terms, a specialist is a veterinarian with advanced expertise and training in one or more specific fields of animal health. Your vet may refer you to a specialist at your request or if he or she feels that a particular condition or procedure warrants it. For example, a referral to a skin specialist when an animal's condition has not been previously encountered by their local vet. Are specialist veterinarian costs covered? Specialist veterinarian costs are covered but they are limited to Pet-n-Sur reimbursing 60% of the costs. Are things like routine dental treatments, flea treatments, routine eye surgery, etc covered? No these are not covered. Are hereditary conditions covered? Hereditary conditions that present for the first time after the animal's third birthday will be covered. How do I make a claim? Claim forms are supplied with the policy document pack and are also available through our website. We encourage clients to take a claim form with them to the vet to get them to complete it whilst at the clinic. The vet can then attach their receipts and send the claim form to Pet-n-Sur. The claim will then be assessed and the claim manager will contact the client with the claim status. A claim should be submitted by the client within one month of the treatment by the veterinarian. Can I cancel my policy for a refund? You will have 7 days after the date you applied for pet cover to consider the full terms and conditions of the policy you have taken out. If you are not happy or change your mind during this 'free look' period, we will cancel the cover and give you a refund. You cannot cancel the cover if claims are paid by us during the 'free look' period or if claims are paid during the period of cover. What happens on the death of my pet? If there is no claim involved, you should notify us and we may cancel the cover (see cancellation above). However, we reserve the right to deduct the outstanding balance of your annual premium from any claim paid and specifically in the event of your pet's death. Why is my dog classified as a 'select breed' or 'high risk' and why is the premium higher? The basic answer is "Just as some dogs cost more to feed, some breeds cost more to care for." We carefully monitor the costs of care and those breeds with significantly higher costs we categorise as Select Breeds. These are typically, but not always, giant breeds like Great Danes and certain pedigree breeds with exaggerated body shapes and facial bone structures. More directly, pedigree breeds can be bred from a very restricted gene pool, making them much more likely to be susceptible to certain genetic and congenital problems. Because of this, particular breeds are identified as being of higher risk and accordingly premiums are set that reflect the increased risks associated with these particular dogs. What other specific terms and conditions will be applied? A Schedule will be sent to you shortly after you we receive your request for cover. This will include the Policy Wording. If you have any other questions please contact us via the online enquiry form or by phoning us on 0800 738 678!
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