FAQs
WHY CHOOSE US?
  • Lifetime cover
  • Up to £10,000 veterinary fees per year
  • Dental treatment for accident and illness
  • Complementary therapy
  • Travel cover
  • No upper age limit
  • Third party liability
  • Claims paid direct to veterinary practice

Your pet is covered from the date shown on your Certificate of Insurance. We will email this to you as soon as you have completed your application.

From the start date of the policy, the first 14 days are your inception period, during this time you are not covered for any injury or accident for 5 days and you are not covered for any illness within the first 14 days of the policy year. During this time you can cancel the policy at any time and no payment will be taken.

Qudos Insurance A/S. Registered Office: Kongevejan 371, DK2840 Holte, Denmark. Qudos Insurance A/S are authorised and regulated by the Finanstilsynet (the Danish Financial Regulator). Their authorisation reference is 53112. As an Insurance Company authorised within the European Union, Qudos is permitted to conduct business within the United Kingdom and is authorised by the Financial Conduct Authority.  Their UK Financial Conduct Authority authorisation number is 571608.

This is the most comprehensive form of pet insurance and offers vet fees cover up to a maximum amount, which is reinstated each year. This means that if your pet develops a long term chronic illness such as diabetes or an ongoing skin condition, provided it didn’t pre-date the policy, this will be covered for the rest of your pet’s life.

Any dog that must be registered under the Dangerous Dogs Act 1991, Dangerous Dogs (amendment) Act 1997, Dangerous Dogs Order (Northern Ireland) 1991 or any further amendments to this Act. Your pet must not be a dog that is, or is crossed with, a Pit Bull Terrier, Dogo Argentino, Perro De Presa Canario (Dogo Canario), Japanese Tosa or a Fila Brasileiro. Currently, we are not able to offer cover for the following breeds in this PDF: breeds

You can take out our policy if there are any pre-existing conditions, but cover will be excluded for these conditions. We define a pre-existing condition as “Any condition, illness or injury which occurred or first showed clinical signs prior to the Policy start date, whether diagnosed or not. This includes if the condition, illness or injury has the same diagnoses or is caused by, relates to or results from a condition, illness or injury which occurred prior to the policy start date.”

A condition will cease to be a pre-existing condition if:
a) The condition has been treated and Your Pet has fully recovered, leaving no susceptibility to future problems or underlying weakness and since that point;

b) The condition has been treated and Your Pet has not received any treatment for or in connection with the condition for a continuous period of 24 calendar months;

c) There are no symptoms or vet consultations relating to the condition for the previous 24 months.

We do not cover dogs and cats that are under the age eight weeks. There is no upper age limit for acceptance.

If your pet causes an accident due to your negligence, for example, injuring someone or an accident, we will compensate the third party (ies) for any injury or damage caused if you are found to be negligent and legally liable. We exclude liability covered by any other policy you may have, unless all cover under that policy has been exhausted

Complementary treatment, including herbal or homeopathic medicine as recommended and prescribed by your vet is covered up to £1,000 per annum. The complementary therapists accepted are:- A Certified Clinical Animal Behaviourist or a member of one of the following organisations: Association of Chartered Physiotherapists in Animal Therapy, Association of Pet Behaviour Counsellors, Bowen Technique Therapists, Canine and Feline Behaviour Association, Canine Hydrotherapy Association, McTimoney Animal Association, McTimoney Chiropractic Association, National Association of Veterinary Physiotherapists, or The International Association of Animal Therapists (UK).

We cover the cost of dental treatment providing your pet has had its teeth checked by a vet in the 12 months before the onset date of the claim. If any treatment was recommended as a result of the check this must have been carried out.

Providing that there are no clinical signs of these diseases when you take out the policy we will cover your pet for any hereditary or congenital diseases.

Our policy does cover hip replacements.

£95 policy excess (increased to £250 for Public Liability);

• A co-insurance amount of 20% of the claim if your pet is 7 years or over at the time of claiming. This increases to25% if your pet is 12 years or older.

Breed, size, age and location are factors that are taken into consideration when calculating your premium. The price of your insurance is assessed carefully to ensure what you pay is fair. Your premium is also a reflection of the probability of future claims.

It is important to bring to your attention that the premium you pay may change at your renewal date in the future. Your premium is revised each year and may increase or decrease but as your pet gets older it is more likely the premium will increase. The main reasons premiums increase upon renewal are taxation changes, veterinary procedure advancement and inflation and an increase in the probability of future claims. We continually assess our pricing to ensure we are giving our customers competitive cover.

All exclusions are clearly listed in the Policy Wording document. It is your responsibility to read this, so that you are aware of what is and is not covered.

If your pet is aged 7 years or older at the time of claiming, you will be liable for a co-insurance payment of 20% of the balance of the claim, after the £95.00 excess has been deducted. The co-insurance for which you are liable increases to 25% from the age of 12 years.