General Exclusions - Applicable to all sections of each policy

We will have no liability for:

1. Any claims for a Pet not named in the schedule.
   1. for claims resulting from Pre-Existing Conditions
   2. for claims made outside of the Period of Insurance
   3. for death or destruction of Your Pet as a result of sickness or disease resulting from the failure to vaccinate Your Pet in accordance with the practice recommended by the British Small Animal Veterinary Association.
2. Any claims for a Pet under the age of 6 weeks. Cover in respect of pets aged between 6 and 8 weeks will be restricted to Accident only.
3. Any claims under any section of cover where premium has not been paid.
4. Any claims arising outside the Territorial Limits .
5. Any claims as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, Terrorism , revolution, insurrection or military or usurped power.
6. Any claim or liability directly caused or contributed to, by, or arising from:
   1. Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
   2. The radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
7. Any claim resulting from intentional slaughter, irrespective of any order by Government, Local Authority or any person having jurisdiction in the matter, except in the case of humane destruction to alleviate incurable and inhumane suffering.
8. Any animal which should be registered under the UK government's Dangerous Dogs Act 1991.
9. Malicious or wilful injury or gross negligence to Your Pet caused by You, Your agents, employees or members of Your family.
10. Any claims where medication has not been recommended by a Vet.
11. The recurrence or continuation of Illness , disease or any condition from which Your Pet previously suffered arising prior to or within 10 days of inception of this insurance. (This exclusion is not applicable to renewed policies)
12. The use of Your Pet for commercial, guard, security or racing purposes.
13. Any liability where the insured is entitled to indemnity under any other insurance will be dealt with on a rateable proportion basis.
14. Any loss arising directly or indirectly out of infringement of UK animal health and importation legislation.
15. Any Pet sold or where any financial interest whatsoever is parted with by You, whether temporarily or permanently.
16. Any claim under Section 3 (Death to Your Pet by Illness) for dogs aged 9 and above and cats aged 11 and above.
17. Post Mortem charges.
18. Any fee charged by Your Vet to complete a claim form or provide information to support Your claim.

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