A pet is an extended member of the family and as such, should be protected with the same love and care.
Our range of pet insurance products provide peace of mind if your beloved pet were to fall ill, was injured, or if their cage and equipment was damaged whilst you were on holiday. In addition, our policy provides you with protection if you choose to take your pet abroad with you.
Whether you have one pet or are fortunate to have a number of furry friends, Insurancefair have a policy that will suit you.
Alternative and complementary medicine
Physiotherapy, hydrotherapy, acupuncture, osteopathy, chiropractic, homeopathic or herbal medicines or laser treatment administered by a suitably qualified practitioner following a recommendation from a vet.
Laser treatment may only be used to treat a condition which is acknowledged to be responsive to this therapy, and the treatment must be carried out by a vet.
The following practitioners are considered to be suitably qualified and members of the following listed associations: Association of Chartered Physiotherapists in Animal Therapy/ National Association of Veterinary Physiotherapists, The International Association of Animal Therapists, Canine Hydrotherapy Association, The Society of Osteopaths in Animal Practice (SOAP), International Veterinary Acupuncture Society (IVAS), Association of British Veterinary Acupuncturists (ABVA) and the British Veterinary Rehabilitation and Sports Medicine Association (BVRSMA).
Bilateral Conditions – Orthopaedic
1. Elbow Dysplasia – a general term which encompasses a number of specific conditions that affect the elbow of growing dogs and leads to elbow osteoarthritis. Including, but not limited to:
a. fragmented (medial) coronoid process – F(M)CP;
b. un-united anconeal process – UAP;
c. osteochondrosis (dissicans) – OC/OCD;
d. elbow incongruity.
2. Osteochondrosis (Dissicans) – OC/OCD may occur bilaterally at any of the following joints:
c. Stifle; and/or
3. Hip Dysplasia
4. Cruciate Ligament Disease
5. Luxating Patellae
6. Carpal/Tarsal Hyperextension
7. Avascular Necrosis of the Femoral Head (Legg-Calvé-Perthes disease)
8. Incomplete Ossification of the Humeral Condyle (IOHC / Humeral condylar fissures)
Bilateral Conditions – Soft Tissue
1. Ear Disease
2. Primary Cataracts
3. Secondary Cataracts
5. Primary Lens Luxation
6. Keratoconjunctivitis Sicca (Dry eye)
7. Prolapsed Nictitans (Cherry eye)
The percentage amount you are responsible for from each vet fee claim or other costs claimed for once the fixed excess has been deducted. If your pet receives treatment for the same injury or illness in separate policy years, the co-insurance may become payable in the next policy year.
Age restrictions may alter the amount of co-insurance you pay so please read your policy documents thoroughly.
Any incident which was apparent, or would have been apparent to any reasonable person, prior to the start of your policy will not be covered by this insurance policy unless we are made aware of the accident or illness, and we have agreed in writing to provide coverage for the incident.
A pre-existing condition includes, but is not limited to, any injury or illness that:
i) happened, or first showed clinical signs, or
ii) has the same diagnosis or clinical signs as an injury, illness or clini-cal sign your pet had, or
iii) is caused by or relates to, or results from an injury, illness or clini-cal sign your pet had,
no matter where the illness or clinical signs appear, are noticed, or happen in, or on your pet’s body before the start date of your policy.