Pet Insurance Standard & Premier Policy Booklet - An Post ...
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Pet Insurance Standard & Premier Policy Booklet One Direct (Ireland) Limited, trading as An Post Insurance, is regulated by the Central Bank of Ireland. One Direct (Ireland) Limited is a wholly owned subsidiary of An Post. Pet Insurance is arranged and administered by Kainos International Limited and underwritten by Millennium Insurance Company Limited.
Policy Document
Contents
Statement of demands and needs 2
The Insurers 2
Cooling off period 2
Payment of Premiums 2
Definitions 3
Section 1 – Vet’s fees 6
Section 2 – Death from accident or illness 8
Section 3 – Boarding Kennel fees 9
Section 4 – Loss by theft or straying 10
Section 5 – Third Party liability 11
How to make a claim and claims procedures 12
General conditions 13
General exclusions 15
Customer Service & Complaints Procedure 16
Data Protection 16
Recording of telephone calls 17
Disclosure 17
Page • 1Please make sure that You read the policy Payment of Premiums
wording fully to ensure the cover meets Your Pet is only covered under this policy
Your needs. if You pay the Premium. All premiums are
payable directly to Kainos International
Statement of demands and needs Limited or the agreed finance provider.
This product meets the demands and
If You pay the yearly Premium in Direct
needs of those who wish to ensure that
Debit Instalments the Premium for the
the veterinary needs of their Pet are met
first month after the Inception Date is
throughout the duration of the Plan.
payable by the date notified to You by the
The Insurers Administrator. Thereafter the Premiums
are payable by You monthly. You must
You have applied for annual Accident continue to pay Your Premium as it falls
and Illness Pet insurance with Millennium due in order to ensure continuous cover
Insurance Company Limited. In return under this Plan even if You are in receipt of,
for the appropriate Premium, this Plan or awaiting, any payment due to You from
confirms Your Pet is insured from the Us under Your Plan.
Start Date (to the extent and up to the
Maximum amounts payable specified in It is Your responsibility to pay the Premium.
the Schedule and subject to the terms, If You pay Your Premium by direct debit
exclusions and conditions of the insurance and the first attempt to collect the
contract as set out in this Plan). Premium is unsuccessful We will attempt
again to collect the Premium. If the
Only those Sections which are specified second attempt to collect the Premium
as “included” in the Schedule form part of is unsuccessful You will be in default on
Your Plan. Your monthly Premium Instalment and the
Your online or telephone application for Termination Date of Your Plan will be the
insurance, Plan and Schedule combine to date of the second attempt to collect the
form this insurance contract. Premium.
This insurance applies only to an event If there are any changes to the current
arising in the Territorial Limits. level of Insurance Premium Tax or We are
required to impose any other taxation
Cooling off period and Your rights to or levy on, or in respect of, the Premium
cancel then Your Premium will be amended from
the date any such taxation changes or
You may cancel Your Plan at any time by requirements are implemented.
giving notice to the Administrator of Your
wish to do so. If a claim is made on this Plan during the
Period of Insurance the monthly Premiums
You will receive a full refund of any Premium payable for the unexpired portion of the
You have paid if the policy is cancelled Period of Insurance may be deducted from
within fourteen (14) days of the Inception the claim payment.
Date or receipt of Your Plan documentation
(whichever is the later date), provided that
You have not made a claim.
You will receive a proportion of the
Premium paid by You if the policy is
cancelled after the initial fourteen (14) days
provided that You have not made a claim.
Page • 2Definitions
Some of the words and phrases We use practice or qualified practitioner
in this Plan have special meanings and recommended by Your Vet including but
appear in bold typeface. Except where the not limited to physiotherapy (including
context otherwise requires, the masculine hydrotherapy), or acupuncture.
shall include the feminine, the singular
shall include the plural and vice versa, as Condition
appropriate. All Clinical Signs of Injury or Illness
resulting in the same diagnosis regardless
Administrator of the number of incidents or the areas of
Kainos International Limited, The Old Post the body affected.
Office, 1a Penfold Street, Aylsham, Norfolk,
England NR11 6ET. Death Benefit
Telephone: 1890 22 11 11. A percentage of the market value, the
Email: ipet@kainosint.com price paid or the amount specified in the
Schedule as the Death Benefit, (whichever
Approved Pharmaceutical Supplier: is the lesser) this being the most We will
A supplier authorised by the Claims pay in respect of Section 2 or Section 4.
Administrator who may be required to
provide prescription or non-prescription Up to 1 year 100%
medicines. From 1 year up to 3 years 75%
From 3 years up to 5 years 50%
Behavioural Problems From 5 years up to 8 years 35%
Habitual behaviour which poses a risk of From 8 years and over 25%
Injury to the public and which could not be
prevented by training or which have been Excess
referred to a specialist and undergoing The amount for which You are responsible
Treatment. in the event of each unrelated claim during
each Period of Insurance. This means that
Claims Administrator if Your Pet receives Treatment for the same
Kainos International Limited, The Old Post Injury/Illness in separate policy years, We
Office, 1a Penfold Street, Aylsham, Norfolk, will deduct a fixed Excess from the first
England NR11 6ET. claim(s) paid in each policy year. See also
Telephone: 1890 22 11 11. Co-Insurance if Your Pet is 8 years or older
Email: ipet@kainosint.com on the date of claim.
Clinical sign Healthcheck
Changes in Your Pet’s normal healthy i) an annual physical check up of Your
state, it’s bodily functions or behaviour. Pet’s health carried out by a Vet to
include a check on teeth, skin, ears, eyes,
Co-Insurance abdominal palpation and heart;
If, at the time of the claim, Your Pet is over ii) v accinations are up to date as
8 years of age, You will pay a 15% minimum recommended by Your Vet against:
contribution towards each claim(s). This is distemper, hepatitis, kennel cough,
subject to the Excess being the minimum leptospirosis and parvovirus for dogs
You will pay. and; cat flu, feline enteritis and feline
leukaemia for cats. If You do not keep
Complementary Treatment Your Pet vaccinated, We will not pay any
Alternative and complementary treatment claims that result from any of the above
recommended by Your Vet or a veterinary Illnesses.
Page • 3Definitions (continued)
Illness Plan
Any changes to a normal healthy state, The cover provided to Your Pet under the
sickness, disease which is not caused by terms and conditions of this insurance
Injury. contract.
Immediate family Pre-Existing Condition
Your domestic partner, child or children and An Injury or Illness that:
any other person permanently residing at a) happened or first showed Clinical sign
Your address and not paying commercial before Your Pets cover started,
rent. b) has the same diagnosis or Clinical sign
as an Injury, Illness or Clinical sign Your
Inception Date Pet had before it’s cover started, or
The date Your Plan was first accepted c) is caused by, relates to, or results from,
and insurance cover commenced. an Injury, Illness or Clinical sign Your
Pet had before Your Pet’s cover started
Initial Exclusion Period no matter where the Injury, Illness or
The length of time as specified in the Clinical sign are noticed or happen in,
Schedule after the Inception Date during or on, Your Pet’s body.
which there is no cover for Your Pet.
Premium
Injury The amount You must pay for Your Plan
Physical damage or trauma caused for the Period of Insurance.
immediately (and not over a period of
time) by an accident or a malicious act. Premium Instalment
The monthly amount paid towards the
Intermediary Premium.
One Direct Limited, trading as An Post
Insurance, Athlone Business Park, Dublin Prescription Food
Road, Athlone, Co. Westmeath, N37 EF40 Clinical diet food that has been
Telephone: 1890 22 22 22. prescribed by Your Vet as part of the
Email: info@anpostinsurance.ie Treatment of Your Pet for a Condition.
Prescription Food does not include food
Period of insurance prescribed for the Treatment of weight
12 months from the Start Date entered loss or dental ailments or conditions.
in the Schedule and/or the Termination
Date. Previous Plan
A Plan of which this Plan is a renewal (or
Pet subsequent renewal) with effect from
Any dog or cat identified as insured in the the end of the Period of Insurance and in
Schedule. respect of which a Termination Date did
not occur.
Pharmaceutical Treatment
The provision of a prescription or non- Schedule
prescription drug prescribed to treat The document accompanying this Plan
long term conditions, in excess of one which confirms Your Pet’s details, the
continuous month, of Your Pet. Inception Date, the Start Date, Excess and
limits of cover which You have applied for
and which We have accepted.
Page • 4Definitions (continued)
Start Date We/Us/Our
The date this insurance commences as Millennium Insurance Company Limited
shown in the Schedule. of PO Box 1314 Ragged Staff Wharf,
Queensway, Gibraltar. Millennium
Termination Date Insurance Company is registered in
The earliest of the following to occur:- Gibraltar (registration Number 82939).
a) You default on Your monthly Millennium Insurance Company is
Premium Instalment; or authorised to operate in the United
b) You do not renew Your Plan at the Kingdom by the Financial Conduct
end of the Period of Insurance; or Authority under FCA registration number
c) You or We cancel this Plan in 517520 and authorised and Regulated
accordance with General Conditions by the Financial Services Commission in
9 or 10. Gibraltar.
Territorial Limits Worrying Livestock
a) the Republic of Ireland; and Where Your Pet interacts with livestock
b) anywhere in Europe for up to three in a way that could reasonably be
(3) months in total during any one expected to cause injury or suffering
policy year, provided that Your Pet is to the livestock, the loss or diminution
accompanying You on holiday and of produce, or in the case of female
You have with You the correct PETS livestock, abortion.
certification.
You/Yours
Treatment The person named in the Schedule as the
Any consultation where the Vet in “Policyholder”.
the physical presence of Your Pet,
examination, tests, x-rays, medication,
surgery, nursing care provided by Your
Vet or a veterinary practice or qualified
practitioner recommended by Your Vet.
Vet
A Registered Veterinary Surgeon
or Registered Specialist Veterinary
Surgeon.
Veterinary fees
The amount Vets in general or referral
practices usually charge.
Vicious Tendencies
A tendency or propensity of an animal
to do any act which might endanger the
safety of person or property in a given
situation.
Page • 5Section 1 – Vet’s fees
This Section is only operative if it is specified Exclusions
as included in the Schedule. The Excess The following are excluded from cover:
applicable to this Section is €100 for each 1. Costs resulting from a Pre-Existing
unrelated Condition per Period of Insurance. Condition.
2. Costs resulting from an Illness first
Cover
showing Clinical Signs within the Initial
We will pay for
Exclusion Period.
a) the reasonable and customary
3. Costs of any Treatment to prevent Injury
veterinary charges raised by Your Vet
or Illness.
following Treatment during the Period
of Insurance; 4. Costs resulting from any transportation
associated with the claim.
b) Complementary Treatment
recommended by Your Vet and 5. Costs for an Injury or Illness arising
administered by a qualified practitioner directly or indirectly from negligent
during the Period of Insurance, subject mistreatment of Your Pet whether by
to the maximum amount shown within act or omission.
Your Schedule; 6. Costs for cosmetic Treatment or
c) t he cost of Prescription Food prescribed preventative Treatment recommended
during the Period of Insurance, subject by Your Vet to prevent Injury or Illness
to the maximum amount shown within including trimming, vaccination,
Your Schedule. grooming or nail clipping, breeding,
whelping, pregnancy, prophylactic
We reserve the right to obtain a second dental treatment and any claims arising
opinion from Our veterinary advisor if as a result of these procedures.
the total Vet’s fees are in Our opinion 7. C
osts associated with pseudo or false
unreasonable. pregnancy.
In the event that Your Vet prescribes a 8. Any costs resulting from dental
Pharmaceutical Treatment and the course Treatment carried out more than 6
for that Pharmaceutical Treatment lasts months after the recommendation of
more than one (1) month . You may be the Vet, or earlier if specified.
required, at Our discretion, to use the 9. Cost of alternative and complementary
Approved Pharmaceutical Supplier for the treatment, including homeopathic
supply of Pharmaceutical Treatment. In or herbal remedies or medicines,
these circumstances We will, as part of the unless recommended by Your Vet
claim, pay €10 to the Vet for the provision or a veterinary practice or qualified
of the prescription. practitioner recommended by Your
Vet including but not limited to
We will not accept liability for any claim physiotherapy (including hydrotherapy),
until a detailed veterinary account, a full or acupuncture.
medical history and other information
10. Cost of a post-mortem examination.
reasonably requested by the Claims
Administrator on Our behalf is received. 11. Cost of surgical items that can be used
more than once.
We will not pay more than the Veterinary 12. The costs of vaccinations, spaying or
Fees maximum benefit for the combined castration and any costs for treating
treatment costs of all Injuries and Illnesses any complications arising from these
in the policy year.
Page • 6Section 1 – Vet’s fees (continued)
procedures unless deemed necessary 26. Injury to or Illness of Your Pet as a
by Your Vet as part of the Treatment for result of Your Pet undergoing organ
an Injury or Illness. transplants.
ny costs arising from Vicious
13. A ny Treatment for Your Pet undergoing
27. A
Tendencies or Behavioural Problems organ transplants.
shown by Your Pet including, but not 28. Any costs or Treatment in connection
limited to, the cost of training, training with pregnancy, lactation or giving
aids and pheromone treatments. birth, including the cost of treating
14. A
ny costs for house calls or out-of- any complications arising from these
hours calls unless Your Vet confirms procedures.
that Your Pet was suffering from a life- 29. Any charges made for the provision of
endangering Condition. necessary paperwork.
osts of putting Your Pet to sleep,
15. C
unless deemed necessary by Your Vet.
16. C
ost of the cremation or disposal of
Your Pet.
17. C
osts not backed up by a receipt or
invoice showing full details of the costs
incurred.
18. C
osts of buying or hiring equipment or
machinery, housing including cages.
osts for Treatment that are not
19. C
incurred during the Period of Insurance.
osts for Treatment if Your Pet has
20. C
not had a Healthcheck within the
12 months immediately prior to You
noticing the symptoms of a Condition.
osts for Treatment of Conditions
21. C
arising from Your Pet being overweight,
except weight gain as a result of a
diagnosed Illness.
22. P
rescription Food prescribed for weight
loss or dental Treatment.
23. Costs of cosmetic surgery including
any associated costs.
24. Cost
of any Treatment in connection
with a retained testicle(s) if Your Pet
was over the age of sixteen weeks
when Your cover started.
25. Costs of any prosthesis, including any
veterinary Treatment needed to fit the
prosthesis.
Page • 7Section 2 – Death of your pet from accident or illness
This Section is only operative if it is Exclusions
specified as included in the Schedule. The The following are excluded from cover:
Excess applicable to this Section is €100. 1. Putting Your Pet to sleep due to law,
regulation, a government department,
Cover a public authority or similar, or order
We will pay the Death Benefit if Your Pet related to a ‘notifiable’ disease, Vicious
dies or is put to sleep for humane reasons Tendencies or Behavioural Problems.
on the recommendation of Your Vet
2. Euthanasia during or after a surgical
during the Period of Insurance because
operation or a general anaesthetic
of an Injury or Illness that happened or
unless a qualified Vet certifies that it
started during the Period of Insurance.
was necessary because of Injury or
Illness.
Conditions
1. Y
ou must provide Us with proof of 3. Putting Your Pet to sleep for financial
what You paid for Your Pet. If You reasons.
are unable to provide proof of what 4. The death of Your Pet as a result
You paid You may, at Our discretion, of Your Pet undergoing organ
receive a payment. transplants.
or a claim on a pedigree Pet, You
2. F
must send to Us, at Your cost, the
originals of a recognised Breed Club
registration document, Pedigree
Certificate and purchase receipt.
Conditions which apply to Sections 1
and 2.
1. I f there is any Illness of, or Injury to,
Your Pet You must immediately get
a qualified Vet to treat Your Pet. You
must allow the Vet to take Your Pet
away for Treatment if they recommend
it.
The maximum We will pay under Sections
1 and 2.
1. W
e will not pay more than the amount
shown in the Schedule during the
Period of Insurance.
Page • 8Section 3 – Boarding Kennel fees
This Section is only operative if it is Exclusions
specified as included in the Schedule. The The following are excluded from cover:
Excess applicable to this Section is €100 1. Any claims by You or Your Immediate
for each continuous period You are in Family for:
hospital or away on holiday. a) pregnancy; or
b) any hospital Treatment that was
Cover expected or probable when You
We will pay up to €200 during the Period started or renewed this insurance;
of Insurance for the cost of boarding Your or
Pet at a registered kennel if: c) any medical Condition You or Your
a) You suffer any bodily Injury, sickness Immediate Family already have
or disease and You are in hospital for which might recur.
a continuous period of five (5) days or 2. Any claim if:
longer; and a) You do not send Us receipts from
b) there is no other responsible person the registered kennel clearly
who can care for Your Pet. showing the name of Your Pet, Your
name and address, the date Your
We will also pay up to €100 during the Pet was cared for by the kennel and
Period of Insurance for the cost of having the amounts charged each day;
to board Your Pet at Your Vet while You b) a medical certificate from the
are away on holiday on account of a hospital You attended does not
local registered kennel refusing to look show Your name and address or We
after Your Pet on account of a Condition do not receive it.
in Your Pet.
Page • 9Section 4 – Loss by theft or straying
This Section is only operative if it is Exclusions
specified as included in the Schedule. The The following are excluded from cover:
Excess applicable to this Section is €100 1. Theft which does not involve forcible and
for each continuous period Your Pet is violent entry to a secure area, such as a
missing. pen or Your home.
2. Any advertising costs not accounted for.
Cover 3. Any reward that We have not agreed to
We will pay the Death Benefit if Your Pet before You advertised it or paid to any
is not found within 10 weeks of straying or person living with or employed by You.
being stolen. It must have disappeared
4. Any amount if You or the person looking
from Your address or Your Vet’s address or
after Your Pet has freely parted with it,
a registered kennel at which Your Pet was
even if unwittingly tricked into parting
boarding or a minder’s address, provided
with it.
the minder is not prohibited from keeping
Your Pet by law.
You must report the loss of Your Pet to the
Gardai as soon as You discover that Your
Pet is missing.
We will pay in addition to the Death
Benefit 10% of the Death Benefit for the
cost of advertising that Your Pet is missing
or paying a reward which leads to getting
Your Pet back. (You must get Our written
agreement before offering a reward).
We reserve the right to receive
reimbursement of any amount paid to You
by Us in respect of this section if Your Pet is
subsequently returned to You.
Page • 10Section 5 – Third Party liability
This Section is only operative if it is specified 5. We have the right whether before or after
as included in the Schedule. The Excess settlement of any claim under this Section to
applicable to this Section is €250 for all bodily conduct in Your name the negotiation, defence
Injury and damage to third party property or settlement of any claim or to take action to
arising out of the same incident. seek recovery or secure indemnity from any
third party in respect of any claim covered by
Cover
this Section and will have full discretion in the
We will indemnify You against Your legal
conduct of any such proceedings.
liability to pay compensatory damages,
including claimants’ costs awarded against Exclusions
You, as a result of bodily injury or disease This Section excludes and does not cover Your
(fatal or non-fatal) to persons, or damage to legal liability
third party property that occurs within the 1. F
or bodily injury or disease sustained by any
Territorial Limits during the Period of Insurance member of Your Immediate Family or any
and arises out of or in connection with Your person under a contract of employment or
ownership of Your Pet. apprenticeship with You;
The most that We will pay in respect of all 2. F or damage to any property owned by,
bodily injury and/or disease and/or damage leased to, hired by, under hire purchase by,
to third party property arising out of or in on loan to or held in trust by or otherwise in
connection with the same incident is €250,000. Your care custody or control or in the care
custody or control of any member of Your
We will in addition pay all costs, fees and Immediate Family or any person under a
expenses incurred with Our prior consent in contract of employment or apprenticeship
the negotiation, defence or settlement of with You;
any claim under this Section and/or for legal 3. F or bodily injury, disease or damage to
representation for You at any proceedings in property
any court relating to bodily injury, disease or a) arising out of the conduct of any
damage to third party property which could professional, commercial or trade
be the subject of a claim under this Section. activities;
Conditions (applicable to Section 5 only) b) a ssumed under any lease, agreement
1. In the event of an incident that could give or contract unless liability would have
rise to a claim under this Section You must attached in the absence of such lease,
forward copies to Us of every request, agreement or contract;
demand, order, notice, summons, legal 4. A rising from Vicious Tendencies or
paper and all documents relating thereto as Behavioural Problems shown by Your Pet,
soon as they are received by You. or failure to follow the guidelines specified
under the control of Dogs (Restriction of
2. If there is other insurance in force covering
Certain Dogs) Regulations.
the same incident or another person may
5. Any compensation, costs or expenses arising
be partially or wholly liable for the bodily
out of actual or alleged Worrying Livestock;
injury, disease or damage You must give Us
6. For
the payment of fines or penalties.
details of the other insurance or the contact
7 Liability covered by any other policy unless
details of the other person.
all the cover under that policy has been
3. Y ou must not tell anyone that You have this used up.
insurance nor admit liability or negotiate the 8. Any compensation, costs or expenses if You
settlement of any claim or waive any rights of are deemed responsible under the law of any
recourse or recovery against any other person country other than the Republic of Ireland.
without Our prior written consent. 9. A ny compensation, costs or expenses
4. Y ou must not destroy or allow to be that arise due to a deliberate act by
destroyed any evidence or supporting You, a member of Your family or anyone
information or documentation without Our permanently living with You.
prior written consent.
Page • 11How to make a claim and claim procedures
1. I n the event of any Injury to or Illness of 5. You must consent to Us or the Claims
Your Pet that could give rise to a claim Administrator corresponding with the
under Sections 1 to 4 inclusive. You must Vet in regard to a claim, if We reasonably
contact the Claims Administrator by require to do so.
phone on 1890 22 11 11 within 14 days of
6. We may refer Your Pet’s case history to
the occurrence of the Injury or Illness to
a Vet that We choose and if We request,
register the claim. In the event of any
You must arrange for Your Pet to be
alleged claim under Section 5 You should
examined by this Vet.
contact the Claims Administrator by
phone on 1890 22 11 11 as soon as You are 7. We will require certain procedures to be
made aware of the potential claim. undertaken only by Vets recommended
by Us.
W
e will not be able to pre-authorise any
claim but We will engage with the Vet.
Any instructions to Vets are given by You
at Your own risk until We have validated
and authorised the claim.
he Claims Administrator will inform
2. T
You what action You need to take which
may include the provision by You or Your
Vet of documentation relating to Your
Pet or Your Pet’s medical history, the
Treatment (or Complementary Treatment
or prescription of Prescription Food) and
the Condition. If any charges are made
for this, You must pay the charges.
he Claims Administrator will inform You
3. T
what further documentation or evidence
in support of Your claim will be required
and will either post You a claim form or
You can download the claim form from
Our website www.anpostinsurance.ie. If
any charges are made for this, You must
pay the charges.
4. I n most cases We will settle directly
with the Vet. In circumstances where
Treatment was required prior to
contacting the Claims Administrator and
You have had to pay Your Vet, or Your
Vet will not accept payment from Us, You
must ensure that You keep any receipts
or invoices relating to Your claim in a safe
place as We reserve the right to withhold
payment until these are produced if they
are required to establish the validity of
Your claim.
Page • 12General Conditions
(Please note that all of these conditions apply to your policy)
1. Y
our Pet must have a general documentation (whichever is the later
Healthcheck at a Vet at least every 12 date), provided that You have not made
months. a claim.
2. If the Vet is unable to carry out a
general Healthcheck because of Y
ou will receive a proportion of the
the dog’s antisocial behaviour or Premium paid by You if the policy is
Vicious Tendencies, You must tell Us cancelled after the initial fourteen (14)
immediately. days provided that You have not made
a claim.
3. W
e are liable only if We have received
the Premium in accordance with 10. W
e may cancel Your Plan by sending
“Payment of Premiums”. written Notice of Cancellation by
pre-paid post to Your last known
4. I f You pay Your Premium by Direct
address. Such Notice of Cancellation
Debit Instalment, when Your Plan is
will state the Termination Date of Your
due for renewal We will renew it for
Plan which will not be less than thirty
You automatically. We will write to You
two (32) days from the date We post
before the Plan expires with full details
the Notice of Cancellation, unless the
of Your Premium and policy conditions
reason for cancellation is a default on
for the next Plan year. If You do not want
Your monthly Premium Instalment or
to renew this Plan please let Us know.
Your failure to provide true, complete
hen We offer further Periods Of
5. W and accurate information in which case
Insurance We may change the Premium, the Termination Date of Your Plan will
Excess and Plan Terms and Conditions. be immediate.
hen We settle Your claim, We will
6. W 11. If any dispute arises between You and
deduct from the claim, any amount due Us as to the amount to be paid under
to Us. Your Plan, it may be referred to an
7. You must observe and fulfil all the terms, arbiter to be appointed by the parties
conditions and endorsements of the Plan in accordance with the statutory
otherwise We will not be liable under the provisions in force at the time.
Plan. 12. If any dispute arises between You and
8. Y
ou must provide true, complete and Us because of different opinions of
accurate information in Your application Vets, We can appoint an independent
for this insurance or when renewing Your Vet whom You must also agree to. The
Plan or when making a claim under Your fees for this Vet will be shared equally
Plan. If You do not, We are entitled to by You and Us. The independent Vet’s
reject claims or pay proportionately less decision will be binding on both of Us.
in settlement of claims or cancel Your 13. Y
ou agree that any Vet has Your
Plan. permission to release any information
9. You may cancel Your Plan at any time We may ask for about Your Pet. If a
by giving notice to the Administrator of charge is made for this, You must pay
Your wish to do so. the charge.
Y
ou will receive a full refund of any 14. W
e are not liable to pay any claims
Premium You have paid if the policy is (including Third Party liability) caused
cancelled within fourteen (14) days of the by a Pet straying, escaping, damaging
Inception Date or receipt of Your Plan property, attacking the general public
Page • 13General Conditions (continued)
(Please note that all of these conditions apply to your policy)
or other Pets, if the Pet has a history of
doing this. However, You are covered if
You told Us about the Pet’s history and
We accepted it in writing.
15. Your Plan does not cover use of Your
Pet in any professional, commercial or
trade activities, unless We have agreed
in writing to cover such use.
16. Your Pet must be kept in a secure area.
Any fences and enclosures must be
capable of retaining Your Pet and all
gates, openings and so on must be kept
secure. When Your Pet is on a public
highway, it must be on a collar and lead
under control.
17. Y
ou must always take reasonable steps
to prevent Injury to or Illness of Your Pet
and to prevent Your Pet causing bodily
injury, disease or damage to property
and to minimise any claim under Your
Plan.
18. Y
ou must have Your Pet vaccinated
against kennel cough before Your Pet
enters a boarding kennel or a show
(unless the reason for Your Pet entering
the boarding kennel is Your emergency
hospitalisation).
19. I n the event of a claim, You agree to
take Your Pet to a Vet of Our choosing
for the Vet to take a DNA sample from
Your Pet and carry out a DNA test to
establish it’s breed or cross breeding.
We will meet the Vet’s fees for the blood
test and the cost of the DNA test. The
Vet’s results will be binding on both You
and Us.
20. W
e reserve the right to increase the
Premium or alter the terms of the
insurance if any claims or relevant
information comes to light after
renewal has been invited or accepted.
Page • 14General Exclusions
General exclusions 12.Any claim involving You or anyone on Your
We will not make any payment under Your behalf using fraudulent means to obtain
Plan in respect of the following: - any benefit under Your Plan.
1. Any claim for a Pet less than 8 weeks of he death of Your Pet or Injury to or Illness
13. T
age. of Your Pet or bodily injury, disease or
ny claim for a Pet, which is 8 years old or
2. A damage to property brought about by
older on the Inception Date. or contributed to by You breaking the
ny claim for Treatment if Your Pet has
3. A Republic of Ireland regulations on animal
not had a Healthcheck in the 12 months health and importing animals.
immediately prior to You noticing the 14. A
ny costs, expenses, administration
symptoms of a Condition. costs, other disbursements incurred by
ny cover or claim from a Pet which is
4. A You or anyone else except as specifically
listed or crossed with a breed from the provided for in Your Plan.
following list – American Bully, American 15. T he death of Your Pet or Injury to or
Pit Bull Terrier, American Staffordshire Illness of Your Pet as a result of Your Pet
Terrier, Bandog, Canary Dog, Cane Corso, undergoing organ transplants.
Carolina Dog, Czechoslovian Wolfdog, 16. A ny loss as a result of:
Dogo Argentino, Dogo Canario, Dogo a) an act of force or violence for political,
Guatemalteco, Dogo Sardesco, Fila religious or ideological reasons, war,
Brasilero, Japanese Tosa, Jindo, Korean riot revolution or any similar event,
Jindo, Pakistani Bull Terrier, Perro De Presa including any chemical or biological
Canario, Pit Bull Terrier, Presa Canario, terrorism.
Saarloos Wolfhound, Tamaskan, Tosa Inu, b) r adiation, nuclear explosion and/
Utonogan,Wolf, Wolf Hybrid. or fallout or contamination by
radioactivity.
5. Any
claim for a Pet for any external, visible c) a
disease transmitted from animals to
Illness, defect or abnormalities that it was humans.
born with. ny loss occurring outside the Territorial
17. A
6. A
ny claim for distemper, hepatitis, kennel Limits.
cough, leptospirosis or parvovirus for a 18. Any claim arising directly or indirectly
dog or feline enteritis, cat flu or feline from a breach of the Control of Dogs
leukaemia for a cat unless You can prove (Restriction of Certain Dogs) regulations
that Your Pet is vaccinated against these 1991 or any further amendments to this
diseases as recommended by Your Vet. Act.
7. A
ny claim arising directly or indirectly 19. Any claims for dogs which are used for
from negligent mistreatment of Your Pet guarding, track racing or coursing or
whether by act or omission. working dogs of any kind.
8. Any loss arising as a result of an epidemic 20. A ny claim, loss, damage or injury,
or pandemic outbreak or any notifiable including compensation, costs or
disease (whether actual or perceived). expenses, related to or arising from
9. A
ny costs caused because the dog(s) which normally reside, dwell or
Department of Agriculture, Food and the are kept at premises licensed for the
Marine have put restrictions on Your Pet. sale of alcohol, including but not limited
to public houses, restaurants, hotels,
10. The Treatment (or Complementary clubs and any other licensed premises,
Treatment or prescription of Prescription including private dwelling rooms and
Food) of any Pre-Existing Condition. outbuildings on the licensed premises.
11. Any claim within the Initial Exclusion
21. A
ny claim associated with Rabies.
Period relating directly or indirectly to
Illness of Your Pet.
Page • 15Customer Service and Complaints Procedure
An Post Insurance and Kainos International International Limited the opportunity to
Limited want to give You the best possible resolve. In all correspondence, please supply
service. Kainos International Limited details of Your Policy Number so that Your
Complaints Procedures ensure that Kainos complaint or enquiry can be dealt with
International Limited will respond to promptly.
complaints within the time lines set out Data Protection
in the Consumer Protection Code. Kainos We need to obtain personal information from
International Limited will acknowledge each You to provide You with the policy of insurance.
complaint in writing within 5 business days
and will provide a point of contact for the We use Your personal information in the
handling of the complaint. following ways:
Kainos International Limited will endeavour • to provide You with policy cover,
to resolve complaints quickly but if this is not including underwriting and claims
possible Kainos International Limited will handling, this may include disclosing
provide written updates at intervals of not information to regulatory authorities
greater than 20 business days. • for the analysis and prevention of
fraud
If the complaint is not resolved within 40 • to confirm, maintain, update and
business days Kainos International Limited improve Our customer records
will inform You of the anticipated time frame • to help in processing any application
for resolution and Your right to refer the and/ or claim You may make
matter to the Financial Services and Pensions • to carry out studies of statistics and
Ombudsman. claim rates.
If You feel You have cause for complaint, You
We deal with third parties that We trust to
should contact the Complaints Manager at:
treat Our customers’ personal information
Kainos International Limited with the same stringent controls that We
The Old Post Office apply ourselves.
1a Penfold Street, Aylsham
Norfolk, England, NR11 6ET Information which You supply to Us in
admin@kainosint.com connection with this policy will be held on
computer records and stored according to
Full details of Kainos International Limited the GDPR. We will not keep Your personal
complaints procedure are available on
information for longer than necessary.
request. Kainos International Limited will
record and analyse Your comments to make You are entitled, on request, to receive a
sure Kainos International Limited continually copy of the personal information We hold
improve the service that Kainos International about You. This will be information that You
Limited offer. have given to Us during Your policy. We do
If You are not happy with the outcome of Your not hold any information relating to Your
complaint, You may be eligible to refer Your credit status. If You would like a copy of
complaint to: Your information, please contact Our Data
Protection Officer at Kainos International
Financial Services and Pensions Ombudsman Limited, 1A Penfold Street, Aylsham, Norfolk.
Lincoln House, Lincoln Place
NR11 6ET.
Dublin 2, D02 VH29
Telephone: +353 1567 7000 Under the GDPR You also have the following
Email: info@fspo.ie rights in relation to Your personal data:
The Financial Services and Pensions • request correction/rectification of Your
Ombudsman will only consider Your
complaint if You have given Kainos
personal data
Page • 16Customer Service and Complaints Procedure (continued)
• request erasure of Your personal data Recording of telephone calls
• object to processing of Your personal All telephone calls between You and Kainos
data International Limited may be recorded
• request restriction of processing Your and monitored and Kainos International
personal data Limited reserve the right to use any of the
• request transfer of Your personal recordings made.
data.
Disclosure
Millennium Insurance Company Limited
If You wish to exercise any of these rights of PO Box 1314 Ragged Staff Wharf,
please contact Us at the address above. Queensway, Gibraltar. Millennium Insurance
Company is registered in Gibraltar
We keep records of any transaction You (registration Number 82939). Millennium
enter with Us for six years. This is to enable Insurance Company is authorised to
a response to all claims under the policy, operate in the United Kingdom by the
validation of policy cover, any enquiries, Financial Conduct Authority under FCA
complaints or disputes that arise in that registration number 517520 and authorised
and Regulated by the Financial Services
period and to comply with Our legal and
Commission in Gibraltar.
regulatory requirements.
To assist with fraud prevention and
detection We may:
• w here We are entitled to do so under
the Data Protection legislation share
information about You with the Garda
and other law enforcement agencies:
• check Your details with fraud prevention
agencies and, if You gave Us false
or inaccurate information and We
suspect fraud, We will record this with
the fraud prevention agency and other
organisations who may also use and
search these records to:
1. trace debtors, recover debt,
prevent fraud and to manage Your
insurance policies
2. help make decisions about credit
and credit related services for You
and members of Your household
3. undertake credit searches and
additional fraud searches.
Under the GDPR We can only discuss Your
personal information with You unless You
have given Us express authority to deal
with anyone else on Your behalf.
Page • 17Page • 18
Page • 19
Page • 20
Contact us
An Post Insurance
1890 22 22 22
www.anpostinsurance.ie
Acceptance criteria terms and conditions
apply. One Direct (Ireland) Limited
trading as An Post Insurance is regulated
by the Central Bank of Ireland.
One Direct (Ireland) Limited is a wholly
owned subsidiary of An Post.
Pet Insurance is arranged and
administered by Kainos International
Limited and underwritten by Millennium
Insurance Company Limited.
OD059-7 - 09/2015 (MU v1)
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