PHA Pet Insurance,
89 Station Road, Sidcup,
Kent, DA15 7DN, UK
Tel:
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Dogs & Cats
  Cover
  Premiums
  Application

Rabbits/Small Mammals
  Cover
  Premiums
  Application

Reptiles/Exotic Mammals
  Cover
  Premiums
  Application

Exotic Birds
  Cover
  Premiums
  Application

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

1. Animal(s) must be kept in recognised cages and/or enclosures with sufficient heating available if required.
2. The proposer has had no insured or uninsured losses over the last twelve months.
3. There must have been no known contagious or infectious disease on the premises where the insured animal(s) are to be kept.
4. The animal(s) proposed for insurance are sound in health and free from illness, disease, lameness, injury, or any physical disability at commencement of insurance.
5. The husbandry of animal(s) must be maintained to the standards recognised by the RSPCA and/or like recognised body.
6. No benefit will be payable in respect of any veterinary fees incurred as a result of sickness or disease which occurs within the first fourteen days of the inception of the policy.
7. The proposer is 18 yrs of age or older at the date of making the application for cover.
8. 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 annual premium remains unpaid after the expiry of the period of grace, this insurance cover shall lapse and all insurance hereunder shall immediately cease.
9. Rabbit(s) must be vaccinated against Myxomatosis and V.H.D. in order to be accepted for cover.
10. No cover will be provided under this policy for any pre-existing medical condition, preventative treatment (including nail/teeth trimming), vaccinations or any claim in respect of pregnancy.