Exotic Birds

Exotic Birds - Cover

Birds in the UK only

PHA pet insurance cover PHA Pet Insurance,
89 Station Road, Sidcup,
Kent, DA15 7DN, UK
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Exotic Birds
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COVER AND CONDITIONS OF COVER
The following is a summary of cover available. Please see the policy for full details of eligibility, terms and conditions. A copy of the policy is available on request.

PERIL LEVELS OF COVER

Restricted FULL - Ex vet fees FULL - vet fees £1500* FULL - vet fees £5000*

Death as a result of accident, sickness, disease NO YES YES YES

Accidental death from external injury NO YES YES YES

Fire YES YES YES YES

Lightning, storm, wind YES YES YES YES

Vermin NO YES YES YES

Theft YES YES YES YES

Vets fees per policy year, excess £25 per course of treatment NO NO YES YES

Shows and Exhibitions YES YES YES YES

Medical disorders as a result of pregnancy NO NO NO NO

Aviaries: Premium £12 per £1,000 of Cover (Minimum £12). Maximum Cover £5,000 - Excess of £25 or 10% of value (whichever is the higher). Cover for metal structures, manufactured wooden frames and the like against fire, wind, storm, fallen trees and malicious damage caused by theft.

Excess: 10% each and every theft claim. Vet Fees per policy year, £25 per course of treatment.

Premiums Apply for Cover

CONDITIONS OF COVER
Please read carefully. The information and conditions contained here will form part of your policy.

Theft is covered where applicable but excluding loss of insured bird(s) by escape, unless by an insured peril excluding mysterious disappearance.
Bird(s) kept inside the house must be kept in recognised aviaries and/or enclosures with sufficient heating available if required and must be adequately secured so as to prevent possible theft.
Bird(s) kept outside the house must be kept in recognised aviaries and/or enclosures with sufficient heating available if required and must be within sight of the house and within the boundaries of the property. They must be adequately secured so as to prevent possible theft.
The proposer has had no insured and/or uninsured losses during the last twelve months.
There must have been no known contagious or infectious disease on the premises where the insured bird(s) are to be kept.
The bird(s) proposed for insurance are sound in health and free from illness, disease, lameness, injury, or any physical disability at commencement of insurance.
The husbandry of bird(s) must be maintained to the standards recognised by the RSPCA and/or like recognised body.
Death of an insured bird(s) to be supported by a full written post mortem report from a veterinary surgeon confirming the cause of death.
If an Insured who has elected to pay the annual premium by monthly instalments fails to make any such payment, then any balance between the annual premium and the amount previously paid becomes immediately due. Fifteen days of grace are allowed from the date the failed instalment was due and if the sums be paid within the period of grace then the insurance cover will remain in full force notwithstanding that the event upon which the benefit becomes payable may have happened during the period of grace. If any balance of the annual premium remains unpaid after the expiry of the period of grace, this insurance cover shall lapse and all insurance hereunder shall immediately cease.
If the insured has elected to pay the annual premium by monthly instalments and has submitted a valid claim then at our discretion the insured will be paid the claim amounts less the outstanding annual premium.
No benefit will be payable in respect of veterinary fees or death from illness or disease occurring within 14 days of the commencement of the period of insurance.
In the event of a claim under the policy proof of purchase and/or ownership will be required. The underwriters reserve the right to replace the animal or pay replacement market value.
The proposer is 18 years of age or over at the date of making the application.

Premiums Apply for Cover

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