Our insurance policy documents were the first to be awarded Fairer Finance’s Clear & Simple Mark for the clarity of their design and language.
An Insurance Product Information Document (IPID) is a summary of what a policy does and doesn't cover. It's a standard format used by all insurers to make it easier to compare policies from different pet insurance providers.
Our new handbook for policies starting on or after 1 January 2024
We've refreshed our policy documents with a new look and feel. You'll find information on how to use your policy and what is and isn't covered. This document should be read alongside your Insurance Certificate.
Insurance product information document (IPID) for policies starting on or after 1 January 2024
You'll find key information about your policy, with full information found in your policy handbook.
Moneyback £7k Insurance product information document (IPID) - no longer on sale
Moneyback optional extra Insurance product information document (IPID)
Fixed for life Insurance product information document (IPID) - no longer on sale
Complete 15k documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 April and 3 June 2023
Policies starting or renewing between 1 January and 31 March 2023
Regular 7k documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
Regular 5k documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
Value 4k documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
Value 3k documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
Value 2k documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
Pre-existing documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
MoneyBack (product) documents
Our MoneyBack policy is no longer on sale. MoneyBack can now be purchased as an added option on our Value 3k, Value 4k, Regular 5k, Regular 7k and Complete policies.
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies renewing between 1 January and 3 June 2023
Our MoneyBack policy is no longer on sale. MoneyBack can now be purchased as an added option on our Value 3k, Value 4k, Regular 5k, Regular 7k and Complete policies.
MoneyBack (optional extra) documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies starting or renewing between 1 January and 3 June 2023
Our MoneyBack policy is no longer on sale. MoneyBack can now be purchased as an added option on our Value 3k, Value 4k, Regular 5k, Regular 7k and Complete policies.
Fixed for Life policy documents
Policies starting or renewing between 4 June 2023 and 31 December 2023
Policies renewing between 1 January and 3 June 2023
Liability only documents
Our Liability Only policy will no longer be available to renew from 1 April.
Policies renewing between 1 January and 1st April 2023
Key exclusions to be aware of
We recommend reading our policy documents but we've pulled out a few things we think you should know about our pet insurance.
The no excess option on our Regular policy is only available for pets under 9 years old for customers renewing their policy from 15 November 2023.
The no excess option on our Regular policy is no longer available for customers buying a new policy from 15 November 2023.
Our multi-pet insurance discount of up to 15% applies to customers with more than one pet. (Our multi-pet discount is not currently available on our Value 2k policy). You can mix-and-match your policies with us choosing the right level of vet fee cover for each of your pets. You can buy the policies at the same time or add a pet to receive the discount.
We are unable to pay vet fee claims incurred within the first 14 days of your policy and we cannot pay accident claims from the first 48 hours. However, this waiting period does not apply to customers renewing their existing policy or customers switching to our cover from a different insurer with no gap in their cover
Our Pre-existing policy does not cover anything your pet is currently having treatment for or any condition your pet has had treatment or advice for in the 3 months before the policy starts. All of our policies cover conditions that your pet has not needed treatment or advice for in at least 2 years.