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Definitions for Pet Insurance

Pet insurance can be confusing. There are so many different types of insurance cover available and so many different providers – to add to the confusion, policy wording can also be daunting. We take a moment to take a look at some of our key pet insurance words and try to shed some light through our very own pet insurance glossary:

Key Word
Keyword Listed within this article

Accident means a sudden, unforeseen, and unintended event causing Injury to your Pet.

Benefit Limit means the maximum amount that We will pay, as noted on the Schedule, for each applicable Section.

Bilateral Condition means any Condition affecting body parts of which y our pet has two (i.e. one on each side of the body, for example ears, eyes, knees, cruciate ligaments). When applying a Benefit Limit or exclusion, Bilateral Conditions are considered as one Condition.

Chronic Condition means a Condition which, once developed, is deemed incurable or is likely to continue for the remainder of your pet’s life.

Clinical Signs means changes in your pet’s normal healthy state, condition, appearance, its bodily functions or behaviour.

Commencement Date means the date, as noted on the Schedule, on which cover under this policy starts. Reference to ‘initial Commencement Date’ means the date the policy first started (incepted).

Condition means any Injury sustained during or resulting from a single Accident or any manifestation of an Illness having the same diagnostic classification or resulting from the same disease process regardless of the number of incidents or areas of your pet’s body affected.

End Date means the date on which this policy ends.

Excess in the context of the ‘Veterinary Fees’ Section means the amount, as noted on the Schedule, which is collected for each Illness or Injury Condition treated that is not related to any other Illness or Injury Condition. In the context of the optional ‘Public Liability’ Section, Excess means the amount, as noted on the Schedule, which is collected for each and every Public Liability Incident relating to loss or damage to property.

Holiday means a recreational or pleasure trip made by you outside the United Kingdom, which commences and ends in the United Kingdom. Please note that for the ‘Overseas Travel’ Section, the definition of Holiday is expanded to include your pet accompanying you on Holiday, however cover is restricted to travelling with your pet in European Union member countries which are included in the Pet Travel Scheme (PETS) only.

Illness means sickness, disease, infection or any change in y our pet’s  normal healthy state which is not caused by Injury.

Immediate Family means your parent, brother, sister, son, daughter, spouse, life partner or civil partner.

Incident, in the context of the optional ‘Public Liability’ Section only, means an event or all events of a series consequent to one original cause.

Injury means damage to one or more parts of your pet’s body as a result of one Accidental cause.

Market value means the price usually paid for a Pet of the same age, breed, pedigree and sex at the time a claim is made under this insurance policy.

Pet means a dog or cat covered under this policy and named and described in the corresponding Schedule.

Policy Period means the continuous 12 month period, effective from the initial Commencement  Date, and from the anniversary of the initial Commencement Date thereafter, for which We have agreed to provide cover and for which you have paid the relevant premium for each Period of Insurance.

Period of Insurance means a calendar month for which you have paid the insurer the agreed premium.

Pre-existing Condition means:

Proposal Form means Your online or telephone application for this pet insurance which contains the facts as disclosed to the insurer as detailed in the accompanying Statement of Fact document.

Recurring Condition means a Condition that is curable but may recur.

Schedule means the document which contains important information about you, your pet, this policy and the cover it provides and forms part of your policy documents.

Treatment means any consultation, examination, advice, tests, x-rays, ultrasound and MRI, medication, surgery or nursing care provided by a veterinary practice or qualified practitioner recommended by a registered Vet.

Unlicensed Medication means any medication/drug that has not been licensed for use against the Condition for which it has been prescribed.

Vet means a Registered Veterinary Surgeon actively working as a Veterinary Surgeon within the United Kingdom. Please note that for the ‘Overseas Travel’ Section, the definition of Vet is expanded to include registered Veterinary Surgeons working within the European Union member countries which are included in the Pet Travel Scheme (PETS) only.

Veterinary Fees means reasonable, customary and essential fees typically charged by a Vet in the provision of Treatment.

Waiting Period means a period of 14 days from the initial Commencement Date during which any Illness that occurs or shows Clinical Signs will be excluded from cover unless otherwise agreed by your insurer and noted on the Schedule. The 14 day Waiting Period will also apply for Illness claims if you choose to increase Your Veterinary Fees Benefit Limit by upgrading your cover and this is applicable from the effective date of the cover change. This means any Illnesses that arise or show Clinical Signs during this Waiting Period will be subject to the Benefit Limits of the policy in place prior to the upgrade.

Pets aren’t always cheap to look after, especially if something goes wrong, which is why insurance has now become a necessity for most owners. You can find out more about the benefits of our Dog Insurance policies and Cat Insurance policies or get a quote online alternatively please feel free to give us a call on 0800 050 2022 – we’d be happy to help wherever possible.

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