Ownership of a dog or cat brings huge rewards, but also brings responsibilities. One of these responsibilities is to be sure that you are able to provide the very best health care for your pet. Another is to protect yourself and your family from unexpected expensive veterinary bills. Fortunately, you can take care of both commitments by insuring your pet with Pet-ID Pet Health Care Cover. By choosing the level of cover you require, the policy can be tailored to your particular circumstances.

Two out of three pets need veterinary attention every year. Sometimes this involves an operation or a period of intensive treatment. Veterinary fees are unfortunately continuing to rise at a faster rate than general inflation.

A typical premium for a 1-year old crossbreed dog in London is £7.80 per month and only £5.79 per month for a 7-year-old non-pedigree Cat in Birmingham.

A sample of claims received:

• £150 - treatment after swallowing grass seed
• £280 - x-rays and treatments following a road accident
• £4,173 - for major surgery following hip dysplasia

Typical Health Care Case Histories

A leading veterinary surgeon, comments:

"Routine operations, such as; Dog spinal surgery costs £800; and a cat's injuries suffered in a road traffic accident (fractured jaw and fractured right elbow) costs £750 - are all typical examples of a vet's day-to-day workload. For many pet owners who do not have pet health care insurance, these routine operations can prove to be very costly."

Pet ID pet insurance is arranged and administered by BDML Connect Limited, part of the Capita Group Plc. Pet ID and BDML Connect Ltd are authorised and regulated by the Financial Services Authority.

Why Choose Pet-ID Insurance?

Pet-ID Pet Healthcare Cover offers a complete selection of cover, out together into options:-

Bronze, Silver and Gold

Once insured your pet's cover can be renewed each year for the life of your pet.

We quote a competitive price. We have developed a system that considers you and your pet along with certain other key details. You do not have to pay a higher premium to subsidise other pet owners. Some companies charge all of their customers the same price irrespective of where they live, what breed they have and the age of their pet - this isn't fair. You wouldn't expect a 17-year-old living in London, driving a sports car to pay the same insurance premium as a 45-year-old living in Cornwall driving a saloon. Some pet insurance companies charge everybody the same price.

We offer ways to meet your budget

Reduce your premium by replacing the excess with co-insurance on veterinary claims. You would be responsible for 10% of the veterinary claims subject to a minimum £35.00.

What health care is covered?

Vet's Fees

Cover up to £1,000 under Bronze, up to £3,000 under Silver and up to £5,000 under Gold. Cover is provided on a per incident basis for each illness or accident, including essential hospitalisation and referral. Alternative medicine and prescription diets are also covered, with the approval of the insurer. There is no limit to the number of incidents, which can be treated each year. There is an excess of just £50 for each claim. Cover for veterinary treatment commences 10 days after the Policy starts.

Cover for life

Pet iD Health Care Cover insurance is on-going, up to the cover limit, for the entirety of the treatment regardless of how long it takes (subject to the cover remaining in force & premiums paid up to date). Many other pet insurers limit this to just the first 12 months of treatment.

Early Death

If your pet dies as a result of an accident, or from illness under the age of 9 years for dogs or 11 years for cats, we shall reimburse the purchase price. We cover up to £250 on Silver and up to £750 on Gold policies.

Advertising/Reward

If your pet is lost or stolen, we shall pay for local advertising and offer a reward (Cover is up to £250 on Silver and up to £750 on Gold).

Theft or Straying

If your pet is not recovered in spite of the advertising and reward, we shall reimburse the purchase price, up to £250 on Silver and up to £750 on Gold.

Third Party Liability

If your pet causes damage or injury to a third party and you are legally liable, you are protected from claims for up to £1,000,000 including legal costs. (Not applicable if you are already covered by your household policy).

Accidental Damage

If your pet causes damage to a third party for which you are not legally liable but which you feel a moral obligation to pay for, we shall pay up to £500*. Excess £100 each claim.

Boarding Kennel Fees

If you have to go into hospital for more than four days and are obliged to put your pet into a boarding kennel, we shall pay up to £250 on Silver and up to £1,000 on Gold policies *.

Holiday Cancellation Costs

If your pet requires emergency surgery within 7 days prior to your departure on holiday, we shall reimburse holiday cancellation costs up to £250 on Silver and up to £2,000 on Gold policies *.

Healthcare away from Home

If you and your pet are away from home and your pet needs urgent veterinary care, Pet-iD Pet Healthcare Cover gives you access to our help line so we can identify the nearest vet for you.

Bereavement Counselling

An understanding, confidential and professional service enabling you to talk for as long as you need about the death or illness of your pet. Help and advice to address the symptoms brought about by bereavement - available 24 hours a day, 365 days a year.

Pet Legal

Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way, 24 hours a day, 365 days a year.

Pet Minders

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 pet whilst you are away.

* depending on cover selected

HealthCare Cover

Dogs & Cats - Healthcare cover for life, quotation's available for all Cats & Dogs. Dogs age limit, 9 and Cats age limit is 11.

Cover	Bronze	Silver	Gold
Vet treatment per condition	Up to £1,000	Up to £2,000	Up to £5,000
Veterinary Treatments per year	No limit (premiums need to be paid to date and cover renewed, pre-existing conditions are not covered)
Time limits for treatments	For life
Excess per incident	Up to £50	Up to £50	Up to £50
Death from Illness	-	Up to £250	Up to £750
Death from Accident		Up to £250	Up to £750
Advertising & Reward	-	Up to £250	Up to £750
Theft or Straying	-	Up to £250	Up to £750
Third Party Liability & legal expenses	Up to £1,000,000	Up to £1,000,000	Up to £1,000,000
Accidental Damage	-	-	£500
Boarding Kennel Fees	-	Up to £250	Up to £1,000
Holiday Cancellation	-	Up to £250	Up to £2,000
Overseas Travel	Up to 30 days		Up to 12 Months

 

Health Care Cover under all policies includes veterinary, bereavement counseling, pet legal and pet minders help lines.

Excesses: * Vet’s Fees £50 * Third Party Liability £100 * Accidental Damage £100

Important Information

All health care insurance plans have their terms and conditions. The notes below highlight some of those conditions - full details of the Policy Terms and Conditions will be sent with your Certificate of Insurance, or on request.

Veterinary Treatments

The policies are annual contracts and the terms, conditions, premiums and excesses may change each year.

Main Exclusions

• Any pre-existing conditions or illness unless previously agreed by the underwriter.
• Any illness or condition arising prior to or within the first 10 days of the inception date of the insurance.
• Preventative and elective treatments, routine examinations and treatment including but not limited to routine spaying or castration, whelping or kittening or to any treatment in connection with pregnancy or parturition.
• Diet foods, other than for a 4 week period for a specific accident or illness.
• Teeth except as directed by a vet to alleviate pain and suffering.
• Any claim for cryptorchidism.
• Any claim as a result of a 'notifiable' disease. E.g. Rabies.

Third Party Liability Cover

Only claims arising in the UK are covered by Pet Healthcare cover. For Third Party Liability Cover when traveling under the Pets Travel Scheme, please see the Pet-ID Pet Club.

Overseas travel

• The policy includes overseas travel, but not the cost veterinary fees to obtain the pet passport.
• In regard to overseas travel any costs or expenditure for any holiday booked less than 28 days prior to departure are excluded.
• In the event that your pet requires veterinary treatment whilst temporarily in Eire or a Member Country of the Pets Travel Scheme, payment of any treatment should be made by you to the vet whilst you are there. Upon your return home you should telephone the claims department immediately and report the claim. BDML will then send you a claim form for completion and returning with all the paid veterinary receipts. Settlement will then be made to yourself after the deduction of the excess in Sterling at the current rate of exchange.

Warranty

When you sign the proposal form you agree that the pet insured is free from any injury, illness or physical disability at the commencement date of this insurance (except as declared by you and accepted by the Insurer). You also agree that the pet insured has received and will continue to receive, at the appropriate time, initial and booster vaccinations against distemper, hepatitis, leptospirosis and parvovirus in the case of dogs, against feline infectious enteritis and feline influenza in the case of cats, or as advised by your veterinary surgeon.

Health Care Questions & Answers

Q. What is the significant difference between the Gold Cover and the others?

A. Gold cover meets two concerns:

•  Cover continues, up to the £5,000 limit per incident, for as long as treatment
  is required.
•  Cover continues for life. As your pet gets older and as long as you renew the
  policy each year without a break, you will be insured.

Q. Is my pet covered when travelling abroad?

A. Your pet is covered for essential veterinary health care, but not for third party liabilities outside the UK.

Q. What should I do if I need to claim?

A. MasterQuote Pet-ID pet health care cover makes it a very simple process. Simply call us on 0870 606 1361 and we will take the details over the telephone. We will send you a pre-printed claim form for your signature and if you prefer we settle the bill directly with the vet.

Q. Is there any advantage to paying my premiums monthly by Direct Debit?

A. Yes, not only does it break your premium down into very affordable payments, but when your policy falls due for renewal you can relax in the knowledge that cover will continue unless you advise us otherwise.

Call 0870 606 1361 for full details

Important Notes

Our Guarantee to You - When you receive your Certificate of Insurance and all details of the cover from us, you should read it all carefully. If you are not entirely satisfied, return the documents to us within 10 days and we will cancel the insurance cover and refund any premiums paid in full, providing that you have not made a claim.

Insurers - The insurer of this policy is Fortis Insurance Limited, Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA, Registered number: 354568.

Fortis Insurance Limited is authorised and regulated by the Financial Services Authority. Fortis Insurance is part of the Fortis group, an International financial services provider active in the fields of insurance, banking and investment.

Queries - Pet-ID Pet Health Care Cover is arranged and administered by BDML Connect Ltd, The Connect Centre, Kingston Crescent, North End, Portsmouth PO2 8ZY.

Download the health care insurance terms & conditions

• Our Terms & Conditions is available in PDF format to download.
• Right click on the following link, then select "Save target as...": Terms & Conditions PDF
• Save the file to your 'Desktop' for easy access.