What are the main pet insurance policy conditions I should be aware of?
In order to purchase our insurance, you will need to confirm that:
- You are a resident in the United Kingdom (excludes Channel Islands and the Isle of Man)
- Your pet is 8 weeks old, fully vaccinated, microchipped, and had a full Vet check-up in the last year.
- Your pet is not used for commercial, hunting, or breeding purposes.
- You have never had any insurance declined or cancelled by a pet insurer.
- You do not have any unspent fraud convictions or crime relating to animal welfare.
For dogs only:
- Your dog has never previously shown aggressive behaviour, attacked or bitten another person or animal or damaged others’ property.
- Your dog is not on or crossed with a prohibited breed as defined in the Dangerous Dogs Act 1991.
- Your dog does not live on a premise that sells alcohol.
It is the law to get your dog microchipped and under a new animal welfare plan, cats will soon be required to be microchipped by law. It is important to keep your information up to date so you can be contacted if your cat or dog is lost. It is also a condition of our cover that your cat/dog is microchipped.
There are some breeds that we simply can’t provide cover for. Those are dogs listed on the Dangerous Dogs Act and a number of additional breeds listed below:
- Akita
- Akita American
- Akita Japanese
- Aladseer
- American Bullweiler
- American Bully
- American Staffordshire Terrier
- Anatolian Karabash
- Anatolian Shepherd
- Anglican Bulldogge
- Australian Dingo
- Blue Blood Cane Corso
- British Timber dog
- Bullboxer
- Bulldog American
- Bulldog Aylestone Old Tyme
- Bulldog Blue Alapaha
- Bulldog Dorset Old Tyme
- Bulldog Old English
- Bulldog Victorian
- Bull-Pei
- Bully Kutta
- Chinese Red Dog
- Czechoslovakian Wolfdog
- Dogo Argentino
- Dogo Canario
- Fila Brasileiro
- Fox Hound
- Foxhound American
- Greek Harehound
- Greek Harehound /Hellenic Hound
- Greek Harehound/Hellinikos Ichnilatis
- Indian Pariah Dog (Indian Native Dog)
- Inuit
- Inuit Northern
- Istrian Coarse-haired Hound
- Istrian Shorthaired Hound
- Japanese Tosa
- Kangal dog
- Karelian bear dog
- Korean Jindo
- Laizhou Hong
- Mastiff Bull American
- Mastiff Indian
- Mastiff Pakistani
- Perro De Presa Canario
- Saarloos Wolfhound/ Wolfdog
- Sabueso Espanol
- Shar Pei
- Sheepdog Greek
- Shepherd Dog Bucovina
- Shepherd Dog Caucasion
- Shepherd Dog Romanian Mioritic
- Shepherd Greek
- Terrier American Pit Bull
- Terrier Pit Bull
- Thai Ridgeback
- Utonagan
Any dog which is or is crossed with one of the breeds listed, or any wolf hybrid, or which is considered to match the description of a prohibited “type” as defined in the Dangerous Dogs Act 1991 and any amendments to it or replacement legislation, or deemed to be dangerous by the Secretary of State, are excluded from policy cover.
In addition, no pets used in commercial, hunting, or breeding purposes (with the exception of Assistance pets) are covered under this policy.
There are also some cat breeds that we simply can’t provide cover for. Please note the excluded cat breeds listed below:
- Chausie
- Feral
- Savannah