Now, let’s find the right cover for {{SelectedPet().Name}} Thank you for choosing our {{SelectedPolicy().CoverLevel()}} policy

Answering the next questions will help you decide the level of cover you may need and what you can afford.

Please carefully review the below questions to ensure you've chosen the correct policy to meet your needs. Should you change the answers below, different levels of cover will be displayed.

Please note that pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

Based on the answers you gave us, {{ShowSingleProduct() ? 'this policy' : 'these policies'}} may meet your needs.

Set {{Name}}’s excess

Increasing the excess will reduce the amount you pay for your cover - but it means you’ll pay more when you make a claim.

£69
£99
£159

{{SelectedPet().ShowSingleProduct() ? 'This policy gives' : 'All these policies give'}} you free vet video consults 24/7/365 through the Joii app.

Monthly cost

Cover

Annual condition limit

Lifetime condition limit

Annual policy limit

Vet excess

£{{SelectedPet().GetPremium('Basic Plus') | decimal}} /month

or £{{SelectedPet().GetPremium('Basic Plus') * 12 | decimal}} annually

Time Limited

Basic Plus

Additional benefits

Annual Condition Limit

£1,000

Lifetime Condition Limit

N/A

Annual Policy Limit

£4,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£500

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£500

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

£750

If your pet goes missing or is stolen.

£500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£500

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£500

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

£750

If your pet goes missing or is stolen.

£500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

See a representative vet fees claim example

Insurance Product Information Document

Please note: you'll need to pay any additional costs for claims over £1,000. See representative vet fees claim example.

£{{SelectedPet().GetPremium('Max Value') | decimal}} /month

or £{{SelectedPet().GetPremium('Max Value') * 12 | decimal}} annually

Max Benefit

Max Value

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

£1,000

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£500

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£1,500

If your pet goes missing or is stolen.

£500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£500

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£1,500

If your pet goes missing or is stolen.

£500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

Please note: you'll need to pay any additional costs for claims over £1,000. See representative vet fees claim example.

£{{SelectedPet().GetPremium('Super') | decimal}} /month

or £{{SelectedPet().GetPremium('Super') * 12 | decimal}} annually

Lifetime

Super

Additional benefits

Annual Condition Limit

£1,000

Lifetime Condition Limit

Unlimited

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£500

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£1,500

If your pet goes missing or is stolen.

£500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£500

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£1,500

If your pet goes missing or is stolen.

£500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

Please note: you'll need to pay any additional costs for claims over £1,000. See representative vet fees claim example.

£{{SelectedPet().GetPremium('Prime') | decimal}} /month

or £{{SelectedPet().GetPremium('Prime') * 12 | decimal}} annually

Time Limited

Prime

Additional benefits

Annual Condition Limit

£2,000

Lifetime Condition Limit

N/A

Annual Policy Limit

£7,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£750

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£750

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

£1,000

If your pet goes missing or is stolen.

£750

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£750

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£750

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

£1,000

If your pet goes missing or is stolen.

£750

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Max Plus') | decimal}} /month

or £{{SelectedPet().GetPremium('Max Plus') * 12 | decimal}} annually

Max Benefit

Max Plus

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

£2,000

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£750

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£750

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£750

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£750

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£750

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£750

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Superior') | decimal}} /month

or £{{SelectedPet().GetPremium('Superior') * 12 | decimal}} annually

Lifetime

Superior

Additional benefits

Annual Condition Limit

£2,000

Lifetime Condition Limit

Unlimited

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£750

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£750

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£750

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£750

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£750

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£750

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Accident') | decimal}} /month

or £{{SelectedPet().GetPremium('Accident') * 12 | decimal}} annually

Accident Only

Accident

Additional benefits

Annual Condition Limit

£2,500

Lifetime Condition Limit

£15,000

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

If your pet dies or is put to sleep.

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

If your pet goes missing or is stolen.

Advertising & Reward.

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

If your pet dies or is put to sleep.

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

If your pet goes missing or is stolen.

Advertising & Reward.

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Assure') | decimal}} /month

or £{{SelectedPet().GetPremium('Assure') * 12 | decimal}} annually

Lifetime

Assure

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

Unlimited

Annual Policy Limit

£3,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£600

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£600

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£600

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£600

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£600

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£600

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,000

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Prime Plus') | decimal}} /month

or £{{SelectedPet().GetPremium('Prime Plus') * 12 | decimal}} annually

Time Limited

Prime Plus

Additional benefits

Annual Condition Limit

£4,000

Lifetime Condition Limit

N/A

Annual Policy Limit

£10,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,000

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

£1,500

If your pet goes missing or is stolen.

£1,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,500

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,000

A dog walker or pet minder, because you are in hospital.

Cremation.

If your pet needs urgent medical care abroad.

£1,500

If your pet goes missing or is stolen.

£1,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,500

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Max Extra') | decimal}} /month

or £{{SelectedPet().GetPremium('Max Extra') * 12 | decimal}} annually

Max Benefit

Max Extra

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

£4,000

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,000

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,500

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,000

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,500

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Superior Plus') | decimal}} /month

or £{{SelectedPet().GetPremium('Superior Plus') * 12 | decimal}} annually

Lifetime

Superior Plus

Additional benefits

Annual Condition Limit

£4,000

Lifetime Condition Limit

Unlimited

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,000

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,500

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,000

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£1,500

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Assure Plus') | decimal}} /month

or £{{SelectedPet().GetPremium('Assure Plus') * 12 | decimal}} annually

Lifetime

Assure Plus

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

Unlimited

Annual Policy Limit

£5,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,200

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,200

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,200

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,000

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,200

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,200

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,200

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,000

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Prestige') | decimal}} /month

or £{{SelectedPet().GetPremium('Prestige') * 12 | decimal}} annually

Lifetime

Prestige

Additional benefits

Annual Condition Limit

£6,000

Lifetime Condition Limit

Unlimited

Annual Policy Limit

N/A

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,500

Transport costs if your pet needs treatment at another vet or hospital.

£200

If you can't look after your pet because you're in hospital

£1,500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

£750

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,500

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£1,500

Transport costs if your pet needs treatment at another vet or hospital.

£200

If you can't look after your pet because you're in hospital

£1,500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

If your pet needs urgent medical care abroad.

£2,000

If your pet goes missing or is stolen.

£1,500

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

£750

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,500

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Lifetime £10,000') | decimal}} /month

or £{{SelectedPet().GetPremium('Lifetime £10,000') * 12 | decimal}} annually

Lifetime

£10,000

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

Unlimited

Annual Policy Limit

£10,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£2,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

£200

If your pet needs urgent medical care abroad.

£2,500

If your pet goes missing or is stolen.

£2,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,500

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£2,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

£200

If your pet needs urgent medical care abroad.

£2,500

If your pet goes missing or is stolen.

£2,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,500

See a representative vet fees claim example

Insurance Product Information Document

£{{SelectedPet().GetPremium('Lifetime £18,000') | decimal}} /month

or £{{SelectedPet().GetPremium('Lifetime £18,000') * 12 | decimal}} annually

Lifetime

£18,000

Additional benefits

Annual Condition Limit

N/A

Lifetime Condition Limit

Unlimited

Annual Policy Limit

£18,000

Vets Excess

£{{ SelectedPet().Excess() }}

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£3,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

£200

If your pet needs urgent medical care abroad.

£2,500

If your pet goes missing or is stolen.

£3,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,500

See a representative vet fees claim example

Insurance Product Information Document

You're covered up to

If your pet injures someone or damages their property.

£2m

If your pet dies or is put to sleep.

£3,000

Transport costs if your pet needs treatment at another vet or hospital.

If you can't look after your pet because you're in hospital

£1,500

A dog walker or pet minder, because you are in hospital.

£100

Cremation.

£200

If your pet needs urgent medical care abroad.

£2,500

If your pet goes missing or is stolen.

£3,000

Advertising & Reward.

£200

If your pet causes accidental damage in someone else’s home.

If you need to cancel or cut short a holiday because your pet needs urgent medical care.

£2,500

See a representative vet fees claim example

Insurance Product Information Document

You've chosen a Accident Only policy for {{Name}}

You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

This product meets the demands and needs of someone wanting help paying vet bills for injuries caused by accidents only. If one accident causes multiple injuries, we don’t pay a separate vet fee limit for each injury, we pay it once for all the injuries linked to that accident. You won’t be covered for any illnesses even as a result of an accident and there are no additional benefits to this product. Please review the details on your schedule carefully to ensure that this policy meets your demands and needs.

This product meets the demands and needs of someone wanting help paying vet bills for accidents and short-term illnesses, but not for ongoing treatment lasting more than 12 months. This product may not provide full coverage against vet fees but is likely to provide a contribution towards the cost of a claim. Our Time Limited pet insurance policies offer cover for accidents, illnesses and conditions which start after the policy begins. Your pet will be covered for 12 months from the date that the condition is first noticed by you or your vet. The annual limit in your schedule is the most we’ll pay in total each year for all conditions. Please review the details on your schedule carefully to ensure that this policy meets your demands and needs. Please make sure that you have read the sections providing information on excess payments so that you know what you will have to pay towards any claim, as well as the section on exclusions to see whether there are any illnesses or conditions that are not covered.

This product meets the demands and needs of someone wanting help paying vet bills for treatment until the condition limit is used for that accident, illness or condition. This product may not provide full coverage against vet fees but is likely to provide a contribution towards the cost of a claim. Our Max Benefit pet insurance policies offer cover for accidents, illnesses and conditions. Your product does not have an annual limit, which means you can claim for an unlimited number of different conditions or injuries in the same year. Instead, your product offers a per condition limit, which means you have a set amount to spend on each injury, illness or condition. Please review the details on your schedule carefully to ensure that this policy meets your demands and needs.

This product meets the demands and needs of someone wanting help paying vet bills for long-term and short-term treatment until the annual policy limit is reached. It offers cover for accidents, illnesses and conditions and could provide ongoing cover for these as long as you continue to renew your policy. This Lifetime product has an annual limit which refreshes upon annual renewal.

This product meets the demands and needs of someone wanting help paying vet bills for long-term and short-term treatment until the annual condition limit is used for that accident, illness or condition each year. Our Lifetime pet insurance policies offer cover for accidents, illnesses and conditions and could provide ongoing cover for these as long as you continue to renew your policy. This Lifetime product has an annual condition limit which refreshes upon annual renewal.

Are you happy this cover meets your needs?

No, find the right cover
Yes

{{Name}}'s insurance and accident history

If you have a rescue {{Animal}} and don’t know their history, answer No for the questions below.

Has {{Name}} been insured before?

Yes
No

Previous provider

Has {{Name}} ever:

had a legal claim made against them?
attacked, bitten or been aggressive towards someone?
shown any aggressive tendencies?

Yes
No

We may remove or restrict Public Liability cover as a result of a change in {{Name}}'s temperament.

Please provide an explanation

Has an insurer ever declined you for insurance, refused to renew a policy with you, or terminated cover for {{Name}}?

Yes
No

Please provide an explanation

Quote for {{AgeCategory}} Horse cover

{{monthlyPremium}}
{{annualPremium}}
	Cover chosen	Excess
{{question}}	{{coverChosen}}	{{excess}}

Go back to change my choices

Apart from yourself, please tell us who else will be riding {{Name}}.

You can add up to 4 more riders.

Riders must be under the age of 75 years
Any riders aged between 5 and 18 years old must be immediate family.
Those over 65 will need to provide a certificate from their doctor to confirm they are fit to ride.

Rider {{$index() + 1}}

Delete

Rider's first name

Surname

Date of birth

+ Add another rider

Do you have any pre-existing health conditions that affects your ability to ride or control a horse?

We ask this information to be able to add any exclusions to the policy and to ensure you are fit to ride.

Yes
No

Please provide details of any conditions and treatment received.

Quote for {{CoverLevel}} Rider cover

{{monthlyPremium}}
{{annualPremium}}
	Cover chosen	Excess
{{question}}	{{coverChosen}}	{{excess}}

* Please refer to the Policy Booklet for more information on this benefit.

Insurance and accident history

Does {{Name}} have any existing medical conditions that may affect their ability to ride or control a horse?

Yes
No

Please provide details of any conditions and treatment received

Has an insurer ever declined you or the young rider for rider insurance, refused to renew a rider policy or terminated cover for either of you?

Yes
No

Please provide an explanation

Insurance and accident history

Do you have any existing medical conditions that may affect your ability to ride or control a horse?

Yes
No

Please provide details of any conditions and treatment received

Has an insurer ever declined you for rider insurance, refused to renew a rider policy with you, or terminated your rider cover?

Yes
No

Please provide an explanation

Information about your policy

{{#if YearsOld() < CoPaymentAge()}}When {{NameHint}} reaches {{CoPaymentAge}},{{/if}} {{#if YearsOld() >= CoPaymentAge()}}As {{NameHint}} is {{CoPaymentAge}} or over{{/if}} you will need to pay a co-payment of 20% for each claim. This is in addition to the excess, and will be deducted from the policy limit.

Tell me more about co-payments.

As your {{Animal}} reaches {{CoPaymentAge}}, a co-payment is payable. The co-payment is 20% of the claim amount that you’ll have to pay, in addition to the excess. This happens because as your pet gets older, the chance you’ll need to make a claim increases.

Here is an example based on a policyholder’s first claim for £800 to cover vet fees, which was assessed and accepted in full:

Amount of claim

£800

You pay:

Excess

£99

20% co-payment

£140.20

Total payable by you

£239.20

Animal Friends will pay

£560.80

If you switch insurance providers, it may result in pre-existing conditions being excluded from your new policy.

You will not be covered for accidents within the first 2 days of your cover start date.

You will not be covered for accidents within the first 2 days or illnesses starting within the first 14 days of your cover start date.

Pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years. We don’t cover any pre-existing chronic conditions; for example, diabetes, arthritis and epilepsy.

Premiums may increase at renewal. The rise is likely to be caused by ever-increasing veterinary costs, as the sophistication and cost of treatment rises.

We've made the following assumptions

You're a UK resident and the owner and keeper of {{NameHint}} and that {{Sex() == 'Male' ? 'he' : 'she'}} lives at your UK address.

You agree to keep us informed of any changes that could affect the policy.

{{NameHint}} does not fall within our excluded breeds list and that {{Sex() === 'Male' ? 'he' : 'she'}} is not a working dog, used for hunting/shooting or in any trade or business, now or in the future.

{{NameHint}} does not fall within our excluded breeds list.

{{NameHint}} will also not be used for breeding, whether for monetary gain or not, now or in the future.

Important information

You will not be covered for accidents within the first 2 days or illnesses starting within the first 14 days of your cover start date.

You will not be covered for accidents within the first 2 days of your cover start date.

We won’t cover any claims for activities not covered by this policy.

Premiums may increase at renewal. The rise is likely to be caused by ever-increasing veterinary costs, as the sophistication and cost of treatment rises.

You are responsible for making sure you have an up-to-date horse passport. If your horse does not have a valid passport this could invalidate your insurance. We won’t cover claims if your horse isn’t microchipped in line with UK law. We may ask to see your horse’s passport to check details of their microchip.

You’ll need to send us:

A copy of the loan agreement within 14 days of taking out this cover.

A copy of the vetting documentation within 14 days of taking out this cover.

The chassis number of your trailer.

A doctor’s certificate to confirm you are fit to ride as you are over 65 years old.

A doctor’s certificate to confirm {{firstName}} {{lastName}} is fit to ride as they are over 65 years old.

We've made the following assumptions

You accept that we shall not provide cover for any pre-existing conditions that have needed treatment within the last 2 years.

You accept that we reserve the right to apply an exclusion to your policy if you noticed something was wrong with your horse before you took out the policy. We also may not cover a condition if a vet says it needs treatment and you don't get treatment or you delay getting it.

Before starting every ride, you and any named riders will always wear a riding hat. We won’t be able to pay claims if any rider is injured while not wearing a riding hat, unless we have discussed and agreed your specific circumstances beforehand. To do this, you’ll need to contact us once you’ve bought your policy, to discuss any particular needs you have.

You are resident in the United Kingdom.

You are the person who is responsible for {{Name}}'s care. For example, you are the owner and keeper of {{Name}} or you are the loanee of {{Name}}.

You agree to keep us informed of any changes that could affect the policy.

Important information

You agree to keep us informed of any changes that could affect the policy.

{{#if CoverLevel() === "Standard"}} We won’t cover claims if you’re injured while doing any activity not covered by this policy. Please view the activities in the policy booklet below. {{/if}} {{#if CoverLevel() === "Young"}} We won’t cover claims if {{NameHint}} is injured while doing any activity not covered by this policy. Please view the activities in the policy booklet below. {{/if}}

Premiums may increase at renewal due to claims history and increases to the costs of medical treatment, legal fees and emergency vet treatment.

{{#if CoverLevel() === "Standard"}} We reserve the right to apply an exclusion to your policy if we learn of any pre-existing conditions you have, that you did not tell us about when you took out this policy. {{/if}} {{#if CoverLevel() === "Young"}} We reserve the right to apply an exclusion to your policy if we learn of any pre-existing conditions which affects {{NameHint}}'s' ability to ride or control a horse. {{/if}}

We've made the following assumptions

{{#if CoverLevel() === "Standard"}} It’s important you make sure you’re being safe when you go horse riding. Before starting your ride, you should make sure you’re wearing a riding hat. We won’t pay claims if you injure yourself while not wearing safety equipment, unless you have a good reason, and we agree to it beforehand. {{/if}} {{#if CoverLevel() === "Young"}} You should make sure the young rider is being safe when they go horse riding. Before starting a ride, they should be wearing a riding hat. We won’t pay claims if they injure themselves while not wearing safety equipment, unless they have a good reason, and we agree to it beforehand. {{/if}}

You {{#if CoverLevel() === "Young"}} and {{NameHint}} {{/if}} are resident in the United Kingdom.

{{#if CoverLevel() === "Standard"}} You are riding horses which you do not own or have on loan. {{/if}} {{#if CoverLevel() === "Young"}} {{NameHint}} is riding horses which you or the young rider do not own or have on loan. {{/if}}

Documents you must read before you purchase the product

Insurance Product Information Document

{{#with: SelectedPolicy}} {{CoverLevel()}} Policy Booklet {{AgeCategory() + ' Horse'}} Policy Booklet {{CoverLevel() + ' Rider'}} Policy Booklet {{/with}}

Review your policy

£{{MonthlyPremium | decimal}}/month

£{{AnnualPremium | decimal}}/annual

Name {{Name}}

Cover {{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}

Age {{AgeInYearsAndMonths}}

Breed {{Breed}}

Excess {{CoverLevel() ? '£' + Excess() : ''}}

Co-payment {{CoPayment}}

Policy Starts {{InceptionDt}}

What this policy covers.

You've chosen a {{CoverLevel()}} Rider policy.

The product covers the named Young Rider to ride horses that they or the Policyholder do not own or have on loan. It provides cover for accidents which happen while riding as well as cover if the horse they are riding injures someone or is injured or dies. Emergency vet fees are also covered straight after the accident for the horse being ridden.

This product meets the demands and needs of someone aged between the ages of 18 and 75 who wants cover to ride horses that they do not own or have on loan. It provides cover for accidents which happen while riding as well as cover if the horse you are riding injures someone or is injured or dies. Emergency vet fees are also covered straight after the accident for the horse you are riding.

You've chosen a {{AgeCategory()}} Horse policy.

This product meets the demands and needs of someone looking for cover towards vet fees for treating accidents, illnesses and conditions for their horse. Your horse will be covered for 12 months after the condition is first noticed by yourself or your vet, so this could mean when symptoms first arose or when an accident happened. This product is for someone who owns a horse and looks after it for more than 50% of the time. There are a range of optional benefits that you can choose to add to your policy to provide additional cover. Please review the details on this schedule carefully to ensure that this policy meets your demands and needs.

This product meets the demands and needs of someone looking for cover towards vet fees to treat accidental injuries for their horse once it is over 20 years of age. It doesn’t cover any illnesses or diseases they might have. Your horse will be covered for 12 months from the date the accident happened. This product is for someone who owns a horse and looks after it for more than 50% of the time. There are a range of optional benefits that you can choose to add to your policy to provide additional cover. Please review the details on this schedule carefully to ensure that this policy meets your demands and needs.

Change Policy Edit Details

My details

Edit

{{(PolicyType() == 'rider' ? RiderFirstName() : Name())}}: £{{MonthlyPremium | decimal}}/month

Name {{Name}}

Cover {{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}

Age {{AgeInYearsAndMonths}}

Breed {{Breed}}

Excess {{CoverLevel() ? '£' + Excess() : ''}}

Co-payment {{CoPayment}}

Policy Starts {{InceptionDt}}

What this policy covers.

You've chosen a {{CoverLevel()}} Rider policy.

You've chosen a {{AgeCategory()}} Horse policy.

Delete

My details

Edit

Policy documents

We will email your policy documents. If you would like your documents by post, please untick the box below.

Email them to:

Your Payment

{{(PolicyType() == 'rider' ? RiderFirstName() : Name())}}: £{{MonthlyPremium | decimal}}/month

12 x monthly payments of

£{{TotalMonthlyPremium | decimal}}

includes {{getQuoteIpt()}}% insurance premium tax

Switch to 1 x annual payment of £{{TotalAnnualPremium | decimal}}

1 x annual payment of

£{{TotalAnnualPremium | decimal}}

includes {{getQuoteIpt()}}% insurance premium tax

Switch to 12 x monthly payments of £{{TotalMonthlyPremium | decimal}}

Account Holder Name

Sort Code

Account Number (8 Digits)

I confirm that I am an authorised account holder

To ensure continuous cover, we’ll automatically take your new annual payment at renewal using the bank account details below. You will receive a reminder at least 4 weeks before your renewal date. If you'd prefer not to take advantage of this service, please untick this box.

First Payment

We will not collect a payment today as we need to set up your Direct Debit before we collect the first payment. Please refer to your policy documents for confirmation of your first payment date, as it may result in two payments being collected in the same month.

Direct Debit Guarantee

Please pay Animal Friends Insurance Services Ltd Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Animal Friends Insurance Services Ltd and if so, details will be passed electronically to my Bank/Building Society.

Cancellation Rights

Cancelling within 14 days - You can cancel your policy within 14 days of the start date and we’ll give you a full refund – as long as we haven’t paid a claim.

Cancelling after 14 days - If you cancel after 14 days of the start date – and we haven’t paid a claim – we’ll refund you for any time left on your policy. We may charge a small admin fee to cover our costs.

How can we keep you updated?

We’d like to share pet advice, veterinary support from Joii Pet Care, our charity updates, news and promotions connected to pet health.

Select all that apply:

Email Text Post

Review your policy details

{{#if PolicyType() == 'pet' }} {{/if}} £{{MonthlyPremium | decimal}}/month

£{{AnnualPremium | decimal}}/annual

Name {{Name}}

Cover {{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}

Age {{AgeInYearsAndMonths}}

Breed {{Breed}}

Excess {{CoverLevel() ? '£' + Excess() : ''}}

Co-payment {{CoPayment}}

Policy Starts {{InceptionDt}}

You've chosen an Accident Only policy for {{Name}}

You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

Change Policy Edit Details

My details

Edit

Policy documents

We will email your policy documents. If you would like your documents by post, please untick the box below.

Email them to:

Please note:

All premiums include standard rate insurance premium tax at {{getQuoteIpt()}}%.

Depending on the policy you have selected there may be a waiting period in regards to accidents and illnesses. For more information, please refer to your Policy Schedule.

Hello, let's start your quote.

Who would you like to insure?

We are unable to provide cover for pre-existing conditions.

Next, your details

Your personal details

Next, your details

Your personal details

Based on your horse's age, this quote will be for our Standard Horse policy.

Based on your horse's age, this quote will be for our Mature Horse policy.

We are unable to provide cover for pre-existing conditions.

Choose the amount of cover you would like

Next, your details

Your personal details

Unfortunately our rider policy only covers those who are riding horses they do not own or have on loan.

Unfortunately, we are unable to provide cover for pre-existing conditions.

Young rider's details

Next, your details

Your personal details

Insurance and accident history

Now, let’s find the right cover for {{SelectedPet().Name}} Thank you for choosing our {{SelectedPolicy().CoverLevel()}} policy

Based on the answers you gave us, {{ShowSingleProduct() ? 'this policy' : 'these policies'}} may meet your needs.

You've chosen a Accident Only policy for {{Name}}

You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

{{Name}}'s insurance and accident history

Quote for {{AgeCategory}} Horse cover

Quote for {{CoverLevel}} Rider cover

Insurance and accident history

Insurance and accident history

Information about your policy

We've made the following assumptions

Important information

You’ll need to send us:

We've made the following assumptions

Important information

We've made the following assumptions

Documents you must read before you purchase the product

We're really sorry, there has been a problem getting you to the next step.

0344 557 0300

Review your policy

What this policy covers.

You've chosen a {{CoverLevel()}} Rider policy.

You've chosen a {{AgeCategory()}} Horse policy.

What this policy covers.

You've chosen a {{CoverLevel()}} Rider policy.

You've chosen a {{AgeCategory()}} Horse policy.

Policy documents

Your Payment

£{{TotalMonthlyPremium | decimal}}

£{{TotalAnnualPremium | decimal}}

First Payment

How can we keep you updated?

Review your policy details

You've chosen an Accident Only policy for {{Name}}

You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

Policy documents

Please note: