- » What type of cover does Pet Insurance provide?
Cover offered falls into two categories:
12 month cover
The Silver and Gold policies offer 12 months cover. The pet will be covered up to the vets fee limit for up to 12 months from the first clinical signs of illness so long as the policy is renewed and premiums are paid up to date. If the pet still needs treatment for the condition after the 12 months have passed, they will not be covered.
Cover per condition
The Platinum policy offers cover for as long as your pet needs treatment up to the treatment limit as long the policy is renewed, the insurer is able to provide cover and premiums are paid up to date.
- » Is there anything that isn’t covered?
Cover is not offered for any illnesses or conditions which were showing symptoms before the policy began, or which started within the first 10 days of cover. Routine examinations, vaccinations or preventative treatments are also not covered. Cost of dental treatment except as result of an accident. This is not a full list, for details and other exclusions please see the policy wording.
- » How is my quote calculated?
Policies are kept as competitive as possible by treating each pet as an individual. BDML look at breed, sex and age as well as where you live.
- » Will the cost of my insurance change (increase) each year?
At renewal, the cost of your cover is re-calculated and you will be sent a quotation. As your pet gets older it costs more to insure so you may see a rise in your premium each year.
- » Are there any age limits?
BDML cannot insure pets under 8 weeks of age. Once the pet is covered, they can continue to be covered up to any age as long as the policy is renewed, the insurer is able to provide cover and premiums are paid up to date. Cover for death from illness stops at age 9 for dogs and 11 for cats. All other benefits continue.
- » What are the excesses I will have to pay, should I make a claim?
Your excess will be stated on your certificate of insurance and will have to be paid for each new illness or condition.
- » How do I claim?
You can call the BDML claims team on 0344 335 1582 who will send you a form. If your vet agrees, the claim can be paid directly to them. If not, or you have already paid the vet you will be sent a cheque. Full details on how to claim can be found in your policy documents.
- » What if I want to cancel?
If you want to cancel your policy before it is due for renewal call BDML. If a claim (except for death or loss) has been made and the policy is paid by instalments, the remaining premium will be due. If you have made a claim (except for death or loss) and paid for your premium in full, no refund will be permitted.
A full refund will be made if you decide to cancel the policy within the first 14 days of the purchase date or receipt of the policy documents, whichever comes later.
- » Can I change my cover?
Yes you can change the cover at renewal. Please contact BDML at the time and they will make the necessary changes to your policy and explain any conditions of the change.
- » Can I pay by Direct Debit?
Yes, it allows for the premium to be broken down into smaller monthly payments. You need a valid bank account that allows you set up Direct Debits. No interest is charged for paying your premiums monthly.
- » When does my vet fee cover start?
You will be covered for the cost of treating an illness or injury that first shows clinical signs or happens 11 days after the start date of your new insurance.
- » What is a pre-existing condition? Is my pet covered for pre-existing conditions?
Any illness or condition arising prior to or within the first 10 days of the inception date of the policy. Cover is not offered for any pre-existing conditions.
- » Is my pet covered if we travel abroad?
Yes, in the event that Your Pet requires Veterinary Treatment whilst temporarily in Eire or a Member Country of the PETS Travel Scheme and comply with the requirements of this scheme while you are abroad you will be covered. You can find out further information about the PETS Travel Scheme by visiting the PETS Travel Scheme website run by DEFRA.
K&Co becomes Littlewoods
For Pet Insurance Shop Direct Finance Company acts as an introducer to BDML Connect Ltd who will arrange and administer the policy. (Registered No – 2785540). Payment is direct to BDML Connect
Limited. Pet Insurance will be underwritten by Zenith InsurancePLC, Authorised Insurers, registered in Gibraltar No 84085. Registered Office: 846-848, Europort, Gibraltar. BDML Connect are authorised
and regulated by the Financial Conduct Authority. Zenith Insurance Plc are regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority.