What do you get?
If your pet becomes unwell or gets lost, our Pet Insurance will step in to help (it also has a little something for you too). Here’s what you get:
- Up to £8,5001 cover for vet fees per year
- Up to £1,5001 cover to help find missing pets
- Up to £1,5001 holiday cancellation cover if your pet requires emergency life-saving surgery within 7 days of your departure
- £1,000,0002 third party legal liability cover for dogs
- Help to find a registered minder if you’re away from home
- Bereavement counselling should the worst happen
- Special legal advice for any issues with your pet
- Free gift card worth up to £30^ with every policy
Our cover levels
|Elite ||Extra ||Basic ||Essential ||Accident Only |
|Policy Length||Lifetime||Lifetime||Lifetime||12 months||12 months|
|Vets Fees||£8,500 per year||£3,500 per year||£1,000 per condition, per year||£2,500 per condition||£2,750 per condition|
|Vets Fee Excess||£85 per condition/per policy year||£85 per condition/per policy year||£85 per condition/per policy year||£85 per condition/per policy year||£85 per condition/per policy year|
|Death From Illness||£1,500||£1,000||£750||£500||N/A|
|Death From Accident||£1,500||£1,000||£750||£500||£500|
|Third Party Liability||£1M (dog)||£1M (dog)||£1M (dog)||£1M (dog)||£1M (dog)|
|Third Party Liability Excess||£100||£100||£100||£100||£100|
|Advertising and Reward||£1,500||£1,000||£750||£500||£500|
|Loss by Theft or Straying||£1,500||£1,000||£750||£500||£500|
|Overseas Travel||90 days||90 days||30 days||30 days||30 days|
|Pet Legal Helpline||Yes||Yes||Yes||Yes||Yes|
|Pet Minders Helpline||Yes||Yes||Yes||Yes||Yes|
|Pay Vet Direct||Yes||Yes||Yes||Yes||Yes|
|Find a Vet Helpline||Yes||Yes||Yes||Yes||Yes|
|Bereavement Counselling Helpline||Yes||Yes||Yes||Yes||Yes|
^ Gift card terms and conditions apply, find out more here.
1 Based on our Elite cover level
2 £100 excess applicable to all third party legal liability claims
Debenhams Retail PLC is an introducer appointed representative of BDML Connect Ltd who arrange and administer the policy.
BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.
Policies are underwritten by International Insurance Company of Hannover SE who are registered in Germany, registration number HRB 211924. Registered Office Roderbruchstraße 26, 30655 Hannover, Germany acting through its UK branch whose office is located as 10 Fenchurch Street, London, EC3M 3BE, United Kingdom. Authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht, and authorised and subject to limited regulation by the Financial Conduct Authority (No. 659331). Details about the extent of its authorisation and regulation by the Financial Conduct Authority are available from us on request. Third Party Liability is underwritten by Ageas Insurance Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA, England (Registered No. 354568, Financial Services Register no. 202039).
You can check this information on the Financial Services Register by visiting http://www.fsa.gov.uk/register/firmSearchForm.do or by contacting the Financial Conduct Authority on 0800 111 6768.
‡T&Cs apply, please visit: http://finance.debenhams.com/insurance/life-insurance/
Frequently Asked Questions
We insure cats and dogs.
Yes, you can take out a policy in minutes. Either apply online or just call us on 0333 234 0622. (Calls may be monitored or recorded.) New policies will have a 14 day exclusion period for illness claims.
You can purchase pet insurance for your dog or cat as soon as they are over eight weeks old. There is no upper age limit, apart from death from illness cover. The upper age limit for death from illness cover is 8 years.
No, your pet insurance policy will not cover any medical condition or symptoms that your pet had before the start date of your policy, or any illnesses that occur during the first 14 days of your insurance cover.
No, any preventative and elective treatments, or routine examinations and treatment are excluded from cover.
Yes, provided you’re travelling to Eire or a member country of the PETS Travel Scheme (excluding non-EU and long-haul countries) and comply with the requirements of this scheme while you are abroad. To find out more about the PETS Travel Scheme, visit Department for Environment, Food and Rural Affairs (DEFRA).
The length of your cover abroad will depend on the level of cover you choose, so please check the benefits table on the cover details page.
We aim to have claims settled within 5 working days of receipt. However, this depends on the complexity of the claim and any investigations that may be necessary.
You can pay your premium in a lump sum by debit card or credit card. Or, if you prefer, you can spread the cost of your annual pet insurance policy over the year by paying by Direct Debit (subject to status, 0% APR).
Your pet is covered for dental treatment as a result of an accident or injury, but any regular dentistry is excluded. There is no cover for dentistry on the Accident Only policy.
Yes, your policy will cover hereditary and congenital conditions, provided the condition hadn’t been discovered and your pet hadn’t any symptoms before the start date or within the first 14 days of your pet insurance policy.
As long as your vet is happy to deal directly with us, we can arrange to pay your vet direct.
If you’re not satisfied with the cover provided by your policy, you have 14 days to cancel from the date you receive your documents. As long as no incidents have arisen which could result in a claim under your policy for the death or loss of your pet, we’ll refund the premium you’ve paid, minus an administration charge (please refer to our Terms of Business for full details).
If you exercise your right to cancel after the 14-day period, as long as no incidents have arisen which could result in a claim under your policy, we’ll refund the part of the premium you haven’t yet used minus an administration charge. If the amount due when you cancel your policy is more than the amount you’ve paid, you must pay us the difference.
If a claim has been made, or any incidents have arisen which could result in a claim under your policy, we’ll cancel your cover but not refund any premium. If you’re paying by installments, you must still pay us the balance of the full annual premium.
We also have the right to cancel your policy at any time by giving you seven days’ notice in writing. We’ll send our letter to your address. If we do cancel your policy, we’ll refund the part of your premium you haven’t yet used as long as no claims have been made.
Once you’ve entered your payment details, the payment confirmation page will be displayed. This page is confirmation of your cover, and will give you your policy number and cover start date. Your electronic policy documents will follow shortly.
If your dog or cat goes missing, please contact our claims department on 0333 234 0618 and we can talk you through the advertising and reward cover we offer.
(Calls may be recorded or monitored).
If your dog or cat is involved in an accident, call our claims department on 0333 234 0618. They will record the details and issue a claim form.
(Calls may be recorded or monitored).
Our claims number is 0333 234 0618 and the opening hours are Monday to Friday 8am-6pm and Saturdays 9am-2pm.
(Calls may be recorded or monitored).
Our pet insurance policies are underwritten by International Insurance Company of Hannover SE.
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