Claims Conditions - Applicable to all sections of each policy

You must comply with the following conditions, to the best of Your knowledge and belief, to have the full protection of Your Policy .

If You do not comply We may at Our option cancel the Policy or refuse to deal with Your claim or reduce the amount of any claim payment.

1. In the event of any possible claim under any sections of this insurance you must notify Thornside as soon as possible and not later than 60 days after any possible incident likely to result in a claim. If You do not notify Us within 60 days after any possible Incident and this prejudices Our ability to verify the claim then, other than in exceptional circumstances, no payments will be made in respect of the claim.
2. If any liability under this insurance is covered by any other insurance policy We will not pay more than our rateable proportion.
3. Following a claim We shall be entitled to take over and exercise any rights in Your name against any other party for Our own benefit and at Our own expense to recover any payment We have made under this Policy.
4. If no purchase receipt can be produced then We will pay the replacement cost of a similar pet up to the maximum limits of indemnity stated under each section of cover.
5. You must not act in a fraudulent manner, including if You or anyone acting for You:
   • make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect;
   • make a statement in support of any policy or claim knowing the statement to be false in any respect;
   • made a false declaration when you incepted the policy or made any subsequent amendment to the policy or advised of a claim;
   • submit a document in support of any policy or claim knowing the document to be forged or false in any respect;
   • commit a fraud on any other policy that we insure; or
   • make a claim in respect for any loss or damage caused by Your wilful act or with your collusion, then at our option We:
   • will not pay any claim that has been or will be made under the policy;
   • will be entitled to recover from You the total amount of any claim already paid under the Policy plus any recovery costs;
   • will cancel the Policy or declare it void from inception, not make any return of premium and also recover any unpaid premium;
   • will regard any other Policy that Swiftcover provide and with which You are connected as fraudulent;
   • will inform the Police of the circumstances;

Claims Made Overseas

In the event that Your Pet requires veterinary treatment whilst temporarily in Eire or a Member Country of the PETS Travel Scheme (Non EU countries are excluded), payment of any treatment will be made by You to the Vet whilst Your are there. Upon Your return home You should telephone the claims helpline immediately and report the claim. you will then be sent a claim form for completion and return with all the paid Veterinary receipts. Settlement will then be made to You after the deduction of the Excess in Sterling at the current rate of exchange, such payment discharging Us from all further liability connected with such claim.

CLAIMS HELPLINE: 0870 240 1495 (Telephone line is open 8:00am to 6:00pm weekdays and 9:00am to 2:00pm on Saturdays)

Please note that telephone calls may be monitored or recorded to assist with staff training and for quality control purposes.

How We settle claims

1. Veterinary Fees Upon commencement of Treatment You should telephone Thornside and report the possible claim. Thornside will then send You a claim form for completion by you and Your Vet. Please return the completed claim form to Thornside with supporting receipts, once this Treatment has been completed.
   
   Settlement can be made directly to the Vet after deduction of the Excess, such payment discharging us from all further liability connected with such claim.
   
   We and / or Thornside has the right to request further information either directly from the Vet or from You to confirm the validity for the claim at your expense.
2. Third Party Liability
   
   1. You shall not admit or accept liability, negotiate or make any payment or promise of payment without Our written consent.
   2. You should immediately contact Thornside on the above number and advise them of any possible claim. Thornside will then give You instructions on what to do with any letter, claim, writ or summons.
   3. You are required to provide Us with all the information that We may reasonably require.
   4. We will have the sole conduct and control of any claim and legal proceeding relating thereto including the right to prosecute in the name of the insured but for Our benefit for any claim, damages or liability.
3. Death from Accident and Illness
   You must obtain a Veterinary Certificate at Your own expense stating the date and cause of death. In the event that your Pet is put to sleep (euthanised), you must obtain a Veterinary Certificate stating that this was necessary for humane reasons to terminate incurable suffering.
   
   Death from Illness cover does not apply in the case of dogs that are 9 or more years of age and cats that are 11 or more years of age.
4. Advertising and Reward
   In the event of Your pet being lost, You should telephone Thornside immediately and secure our approval prior to any expenditure.
5. Theft and Straying
   
   1. The loss of dogs should be reported to the Police within 24 hours of disappearance.
   2. For cats and dogs you should telephone Thornside and report the possible loss. A claim form should then be completed if there is no recovery of your Pet after 45 days.
6. Accidental Damage
   
   1. You should call Thornside immediately You are aware of any circumstances likely to give rise to a property damage claim. Then complete the claim form which is sent to You, detailing the exact circumstances including the description of the articles damaged and their purchase price if known.
   2. You should not admit any responsibility for the damage until the claim has been reported and considered by Us.
7. Boarding Kennel Fees
   You should obtain at Your own expense receipted bills from the licensed boarding kennel or cattery, detailing dates and expenses incurred.
   
   You must also obtain at Your own expense confirmation of the period you or your family members were in hospital and any additional infomation requested by Us.
8. Holiday Cancellation Costs
   You should obtain at Your own expense the booking invoice and cancellation invoice from Your travel agent or tour operator. This should detail the total unrecoverable charges made and the date of cancellation / curtailment.

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