Important Information
JBI PetCare is underwritten by AXA Insurance UK plc. It is an annual contract that provides cover against some of the major financial responsibilities of owning a dog or cat, including the cost of veterinary treatment.
As well as using the FAQ section to help familiarise you with JBI PetCare, we have compiled the following important information for your perusal.
Multi-Pet Discount
If you have more than one cat or dog in your household, JBI PetCare offers a 10% discount for each additional pet after the first pet that is insured. The discount will be applied to the lowest rated pet, for example, someone with a cat and a dog to insure, would get a 10% discount from the annual premium for the cat.
Special Breeds
We can insure the following special breed dogs between 8 weeks and 6 years of age at the start date of the policy. If you start cover between these ages, we will not stop cover purely because your pet has reached the upper age limit.
All the breeds below will attract a 15% premium loading:
- all Bull Terriers
- American Akita
- Anatolian Shepherd
- Beauceron
- Bloodhound
- Bouvier-des-Flanders
- Briard
- all Bulldogs
- Chinese Shar-pei
- Dogue-de-Bordeaux
- Great Dane
- Ibizan Hound
- Irish Wolfhound
- Japanese Akita
- Leonberger
- Maremma
- all Mountain Dogs
- Old English Sheepdog
- Newfoundland
- Rhodesian Ridgeback
- Rottweiler
- St Bernard
Age Limit
We are able to offer cover for pets (excluding special breeds) between the ages of 8 weeks and 8 years old. If your pet is aged between 8 years and 9 years old with no recent medical history (depending on the nature of any previous medical conditions) we may be able to offer cover with a 15% loading to the premium.
Cancellation
You may cancel this policy within 14 days (statutory cancellation period) of the receipt of the policy documents (for new business) or the renewal date, by writing to us and providing you have not made a claim we will give you a full refund.
Outside of the statutory cancellation period you may cancel this policy at any time by providing prior written notice (by email, fax or post) to us. Providing that you have not incurred eligible claims during the period you have been on cover, we will return an amount of premium in proportion to the time you have been on cover and refund the balance to you.
If you pay for your policy by monthly direct debit you should also cancel the instruction at your bank.
Policy Excess
For all new policies started on or after 1st February 2012 the Policy Excess will be as follows;
POLICY EXCESS
EXCLUSIVE COVER – Section 1 – Veterinary Fees (pages 2 & 21 of the policy wording)
We will pay you all reasonable costs for treatment of your pet by a vet up to £4,000 per policy year. You must pay the first £75 or 20% of the total costs claimed, whichever is the greater, being paid per policy year per condition.
For example, if your dog has suffered cruciate ligament damage the veterinary fees may be £2,000. In this instance, you will be required to contribute 20% of this cost as the policy excess which will be £400 based upon a total treatment cost of £2,000.
PREMIUM COVER – Section 1 – Veterinary Fees (pages 5 & 21 of the policy wording)
We will pay you all reasonable costs for up to 12 months treatment of your pet by a vet up to £4,000 per policy year. You must pay the first £75 or 20% of the total costs claimed, whichever is the greater, being paid per policy year per condition.
For example, if your dog has suffered cruciate ligament damage the veterinary fees may be £2,000. In this instance, you will be required to contribute 20% of this cost as the policy excess which will be £400 based upon a total treatment cost of £2,000.
TABLE OF BENEFITS – Section 1 – Veterinary Fees (page 20 of the policy wording)
The change in excess also applies to this section.
IMPORTANT – This does not affect existing policies that started before 1st February 2012.
