FAQs

When will my cover start?

Cover for veterinary costs for accidents will start immediately from the start date selected when you purchase your policy, however vet fees will not be covered for any illness or disease occurring within the first 14 days of the start of the policy.

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Does my pet need a health check before my cover starts?

No. However your pet does need to be in good health. If your pet is ill we can insure it but we can't cover it against any pre-existing conditions.

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Can I keep using my current vet?

Yes. You can go to whichever vet you like.

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Do I have to pay an excess if I claim?

Yes. A claim excess is a small contribution towards the veterinary bill. The excesses depend on your pet type (cat, dog or specified breed dog) and age. Get a quote to find out more.

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What is your definition of a specified breed?

Irish Wolfhound, Clumber Spaniel, Newfoundland, Grand Basset Griffon Vendeen, Rottweiler, Shar Pei, Great Dane, American Bulldog, Giant Schnauzer, Mastiff, Old English Mastiff, Bullmastiff, Neapolitian Mastiff, Scottish Deerhound, Bernese Mountain Dog, Miniature English Bull Terrier, St Bernard, Dogue de Bordeaux, English Bulldog, Bull Terrier (Miniature), Deerhound, Estrela Mountain Dog or a cross between any of the above and any other dog.

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Why have you chosen these breeds?

These breeds are higher risk to insure. Our records show that these breeds may fall ill more frequently and certain dogs often require more medicine during treatment.

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What does third party cover protect?

If property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your dog during the policy year, we will pay:

• Compensation and costs awarded against you by a court; and
• The legal cost and expenses for defending a claim against you.

We will pay up to the maximum benefit of £1 million.

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Does the age of my pet make a difference?

Once your pet is insured, we will offer cover for the rest of his or her life. But, puppies and kittens should not be taken away from their mother until they are properly weaned. For puppies, that means they must be at least 8 weeks old; kittens must be over 6 weeks old before we will start cover.

We cannot start a policy beyond a certain age. Hence, we will provide insurance for cats under 10 years old, dogs under 8 and dogs listed as specified breeds under 6 (see "What is your definition of a specified breed").

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Do you offer discounts for more than one pet?

Yes. Insure 3 or more pets to receive a 10% discount on your premium. Contact our sales team for details:

• Telephone: 0844 770 4620.
• Email: enquiries@clubcarepetinsurance.co.uk

Our offices are open 8am-6pm Mon-Fri.

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How long does it take to pay a claim?

Where all of the necessary information is available, we aim to settle all valid claims within 5 working days of receipt.

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When will my payments be taken?

All Club Care customers that take up cover via our website will receive the first month of protection absolutely free. If you choose to pay monthly by Direct Debit or Credit Card, your account will be debited on your preferred payment day. 11 monthly collections will be made throughout the course of your first policy year. If you choose to pay yearly by Direct Debit or Credit Card, your account will be debited within 8 working days of your Cover Start Date. At the end of your period of protection we will write to you about renewing, sending you a renewal notice showing the amount we will automatically collect, unless you inform us otherwise.

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Do I pay the vet and you reimburse me, or can payment be made to the vet directly?

If it is more convenient for you, we can pay claims directly to your vet. You can tell us to do this when you make your claim. You need to make absolutely sure that your vet agrees prior to any treatment your pet receives. You will need to pay the vet any fees for non-claimable items and the policy excess (if applicable).

How many days do you cover abroad?

Cats and dogs are covered for up to 31 days foreign travel per year in conjunction with the government's PETS travel scheme.

How do I activate this cover?

To activate this cover, you must call us on 0844 770 4620 to request a travel form. Complete this form and return it to us at least 14 days before you are due to travel and we will send you our Travel Policy Terms and Conditions.

What countries does the cover apply to?

The Travel cover is applicable to any of the following countries: Belgium, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Portugal - including Madeira , Spain - including the Balearic Islands, Canary Islands, Denmark, Finland, Gibraltar, Greece, Malta, Sweden, Switzerland.