Cover explained
At VetsMediCover we have made it easy for you to find the right pet insurance policy.
We have carefully considered the cover you need and we offer two different products. Both products are annual policies and must be renewed for the cover to continue by us offering and you accepting the renewal invitation.
The Lifetime product provides vet fee cover each year for treatment for injuries and illness up to the limit in your policy schedule. At renewal, ongoing conditions continue to be covered up to the limit in your policy schedule for that year. The Lifetime product is offered under the Gold, Platinum and Diamond level.
The 12-month policy, also known as the Silver level, provides cover from the date of the injury or illness first appears for a maximum 12-month period. All conditions claimed in any one policy year cannot exceed the vet fee limit. After 12 months the condition will no longer be covered, and any further treatment will need to be paid by you.
Under our Lifetime Gold, Platinum & Diamond policies, pre-existing conditions are covered (if for 24 months your pet has been symptom & treatment fee, has not been observed by you and not consulted a vet or any veterinary professional), as long as the pre-existing condition is not chronic in nature, such as but not limited to a fractured bone, arthritis, diseases such as diabetes, masses/lumps/tumours or heart murmurs and behavioural illnesses such as separation anxiety.
All cover limits shown in the table of benefits are the maximum payable per annum. Terms, conditions and excesses apply and may be varied at renewal.
In addition to the standard excess there will be a 10% excess for pets aged 4 to 5 and 20% for pets aged 6 or over.
Policy summary
| Silver | Gold | Platinum | Diamond | |||||
|---|---|---|---|---|---|---|---|---|
| Cover type | 12 months | Lifetime | Lifetime | Lifetime | ||||
| Vets fees | £2,000 | £4,000 | £6,000 | £10,000 | ||||
| Complementary therapy | £500 | £750 | £750 | £750 | ||||
| Death benefit | £250 | £350 | £500 | £750 | ||||
| Third party liability (Dogs only) | £500,000 | £1,000,000 | £1,000,000 | £1,000,000 | ||||
| Dental care | £350 | £350 | £350 | £350 | ||||
| Dental treatment (as a direct result of an accident) | £2,000 | £4,000 | £6,000 | £10,000 | ||||
| Hereditary and congenital defects cover |
Yes | Yes | Yes | Yes | ||||
| Euthanasia cover | Yes | Yes | Yes | Yes | ||||
| Prescription food | No | 20% of the cost up to £150 |
40% of the cost up to £200 |
40% of the cost up to £200 |
||||
| Emergency boarding fees | £200 | £200 | £200 | £200 | ||||
| Advertising and reward | £62.50 | £87.50 | £125.00 | £187.50 | ||||
| Loss by theft or straying | £250 | £350 | £500 | £750 | ||||
| Excess |
£90 per condition per policy period.
+ 10% percentage excess for pets aged 4 or over
+ 20% percentage excess for pets aged 6 or over
|
|||||||
| Cover abroad | Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021) | |||||||
| Silver | Gold | Platinum | Diamond |
|---|
| Cover type | 12 months |
| Vets fees | £2,000 |
| Complementary therapy | £500 |
| Death benefit | £250 |
| Third party liability (Dogs only) | £500,000 |
| Dental care | £350 |
| Dental treatment (as a direct result of an accident) | £2,000 |
| Hereditary and congenital defects cover |
Yes |
| Euthanasia cover | Yes |
| Prescription food | No |
| Emergency boarding fees | £200 |
| Advertising and reward | £62.50 |
| Loss by theft or straying | £250 |
| Excess |
£90 per condition per policy period.
+ 10% percentage excess for pets aged 4 or over
+ 20% percentage excess for pets aged 6 or over
|
| Cover abroad | Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021) |
| Cover type | Lifetime |
| Vets fees | £4,000 |
| Complementary therapy | £750 |
| Death benefit | £350 |
| Third party liability (Dogs only) | £1,000,000 |
| Dental care | £350 |
| Dental treatment (as a direct result of an accident) | £4,000 |
| Hereditary and congenital defects cover |
Yes |
| Euthanasia cover | Yes |
| Prescription food | 20% of the cost up to £150 |
| Emergency boarding fees | £200 |
| Advertising and reward | £87.50 |
| Loss by theft or straying | £350 |
| Excess |
£90 per condition per policy period.
+ 10% percentage excess for pets aged 4 or over
+ 20% percentage excess for pets aged 6 or over
|
| Cover abroad | Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021) |
| Cover type | Lifetime |
| Vets fees | £6,000 |
| Complementary therapy | £750 |
| Death benefit | £500 |
| Third party liability (Dogs only) | £1,000,000 |
| Dental care | £350 |
| Dental treatment (as a direct result of an accident) | £6,000 |
| Hereditary and congenital defects cover |
Yes |
| Euthanasia cover | Yes |
| Prescription food | 40% of the cost up to £200 |
| Emergency boarding fees | £200 |
| Advertising and reward | £125.50 |
| Loss by theft or straying | £500 |
| Excess |
£90 per condition per policy period.
+ 10% percentage excess for pets aged 4 or over
+ 20% percentage excess for pets aged 6 or over
|
| Cover abroad | Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021) |
| Cover type | Lifetime |
| Vets fees | £10,000 |
| Complementary therapy | £750 |
| Death benefit | £750 |
| Third party liability (Dogs only) | £1,000,000 |
| Dental care | £350 |
| Dental treatment (as a direct result of an accident) | £10,000 |
| Hereditary and congenital defects cover |
Yes |
| Euthanasia cover | Yes |
| Prescription food | 40% of the cost up to £200 |
| Emergency boarding fees | £200 |
| Advertising and reward | £187.50 |
| Loss by theft or straying | £750 |
| Excess |
£90 per condition per policy period.
+ 10% percentage excess for pets aged 4 or over
+ 20% percentage excess for pets aged 6 or over
|
| Cover abroad | Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021) |
Vet fees
Vet fees cover is the primary reason to invest in pet insurance. Veterinary bills can be extremely expensive and good quality pet insurance means you have the freedom to give your pet the best treatment available.
Whether you receive an unexpected vet bill or your pet requires on-going treatment, vet fees can soon add up.
With VetsMediCover pet insurance you can rely on up to £10,000 per year in vets fees for illness or injury. This is an exceptionally high level of cover.
Alternative and complementary therapies
Vets are increasingly offering and understanding the benefits that alternative therapies, such as acupuncture and hydrotherapy provide. Not all pet insurance policies cover these treatments however VetsMediCover pet insurance provides up to £750 of cover per annum. Hydrotherapy can be a valuable part of the rehabilitation process following injury or surgery; it is also considered to be beneficial in the treatment of arthritis, orthopaedic conditions, muscle and ligament injuries and many other types of injuries.
Dental treatment
We provide cover for necessary medical dental treatment Up to £350 per annum; however we do not provide cover for a scale and polish.
Lost or stolen
If your pet is lost or stolen, our policies provide cover towards the cost of advertising the loss of your pet, as well as providing a reward to help get your pet back. If your pet is not found or returned, we will pay up to £750.
Cover abroad
We cover your pet for travel within permitted EU countries for up to three months during your period of insurance provided that you have the correct PETS certification.
Specialist diets and prescription food
If your pet suffers from an illness or injury, your vet may recommend a specialist diet. Our lifetime policies will help ease the financial burden, and will contribute to the costs of any prescribed food. However this excludes foods used for weight loss and relating to dental problems.
Emergency boarding kennel fees
We will pay up to £200 for the cost of boarding your pet at a licensed kennel if you go to hospital and there is no other responsible person who can care for your pet.
Third party liability - dogs only
- Up to £1million third party liability if your dog causes damage, injury or accident to a person or their property.
Please note
- You must keep your pets vaccinations and boosters up to date, as recommended by your vet.
Exclusions
12 months policy:
- pre-existing injuries or illnesses.
- pets less than 8 weeks old or over 8 years* at policy inception. *Certain breeds are restricted to 5 years old at inception.
- illnesses within 14 days of policy inception.
- injury within 5 days of policy inception.
- dogs used for guarding, racing, coursing or and dog registered under the Dangerous Dogs Act 1991.
- dogs used for working.
- African Wild Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Rottweiler, American Staffordshire Terrier, Argentine Dogo, Bandog, Bandogge Mastiff, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolf Dog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Johnson American Bulldog, Perro de Presa Canario, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolfdog, Wolf or Wolf Hybrid or any dog crossed or mixed with these breeds..
- For policies that start or renewed from 1 October 2020 Third Party Liability insurance is excluded for the following breeds, or any dog crossed or mixed with these breeds: Alapaha Blue Blood Bulldog, American Bulldog, Boerboel and *Czechoslovakian Wolf Dog. (*only applicable to policies that were incepted before september 2020).
Lifetime policy:
- pre-existing conditions until treatment or symptom free for 24 months.
- pets less than 8 weeks old or over 8 years* at policy inception. *Certain breeds are restricted to 5 years old at inception.
- illnesses within 14 days of policy inception & injury within 5 days of inception.
- dogs used for guarding, racing, coursing or and dog registered under the Dangerous Dogs Act 1991.
- dogs used for working.
- African Wild Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Rottweiler, American Staffordshire Terrier, Argentine Dogo, Bandog, Bandogge Mastiff, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolf Dog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Johnson American Bulldog, Perro de Presa Canario, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolfdog, Wolf or Wolf Hybrid or any dog crossed or mixed with these breeds.
- For policies that start or renewed from 1 October 2020 Third Party Liability insurance is excluded for the following breeds, or any dog crossed or mixed with these breeds: Alapaha Blue Blood Bulldog, American Bulldog, Boerboel and *Czechoslovakian Wolf Dog. (*only applicable to policies that were incepted before September 2020).
VetsMediCover pet insurance policies are amongst the most comprehensive available for cats and dogs. For full details of what’s included or excluded, please refer to the policy documents.
Get Cover
Insuring your pet with VetsMediCover is an easy decision.
- Cover from £2,000 to £10,000 a year to suit your needs.
- Claims are paid directly to your vet so you never have to worry about the bill.
- Cover up to 3 months abroad.