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