Policy Type: Time Limited Cover
Vet Fees Cover Limit: £1,000 per condition (for first 12 months of treatment only).
Maximum Age for New Policies: 7 years (dogs – but 4 years for certain breeds) 9 years (cats)
Key Points to Note
- Limited to cover for the first 12 months of any accident or illness
- Includes dental cover for illnesses as well as accidents
- Very limited prescription food cover
- Will waive your premium for up to six months if you are unable to work
- Includes basic travel cover only
- See full review of Helpucover strengths and limitations
- See a summary of Helpucover customer reviews
| Disclaimer Notice: Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy. The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different. |
Excess and Contribution Rates
- The standard excess is £90 per condition for dogs and £60 per condition for cats.
- You have to pay 25% of vet fees for pets over 8 years old
Vet Fees Benefits
| Dental Costs: For accidental injury or to relieve suffering due to illness |
| Prescription Food: Very limited cover. Only pays prescription food fr treatment of bladder stones/urine crystals (25% for 6 months) or 5 days liquid hospital food. |
| Euthanasia: Covered |
| Complementary Therapies: Provides £750 per condition (including “massage and healing”). Hydrotherapy is limited to 10 sessions per condition. |
| Behavioural Therapy: Not covered. |
Third Party Liability Cover
| Third Party Liability: £1 million – No non-standard exclusions. |
Additional Benefits
| Death Benefit – Illnesses Will pay the purchase price of your pet subject to a maximum of £500. Not paid for cats over 10 years old or dogs over 8 years old (5 years old for certain breeds). |
| Death Benefit – Accidents Will pay the purchase price of your pet subject to a maximum of £500 |
| Theft & Straying Benefit Pays purchase price of your pet (maximum £500). |
| Advertising & Reward £500 |
| Boarding Fees £500 Pays the cost of a licensed boarding establishment or £4 per day towards the cost of someone looking after your pet. |
| Holiday cancellation £500 Covers cancellation/curtailment as a result of pet requiring immediate lifesaving treatment shortly before travel or whilst on holiday. And curtailment as a result of pet going missing whilst away. |
Travel Cover
| Limitations: 90 days per policy year. Covers trips to any countries which are members of the PET travel scheme. |
| Vets Fees Abroad £750 (Included in overall vet fees limit) |
| Quarantine Fees Not covered |
| Loss of Documents Cover Not covered |
| Emergency Expenses Abroad. Not covered |
More Information
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About Helpucover Pet Insurance
Pet Insurance Terminology Explained
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