Safe Return

What is covered:

You will receive the amount you paid for your pet, up to a maximum of €1,500 on Premier and Premier Plus (€1,000 applies on the Standard policy), if your pet is stolen or goes missing, during the period of insurance, and is not recovered within 90 days. If you have no formal proof of how much you paid, you will be paid the market value or purchase price, whichever is less. If you did not pay for your pet you will be paid the market value.

Special conditions relating to claims:

1. You must take the following steps:
   • As soon as you discover your dog is stolen/missing, or that your cat may have been stolen, you must tell the appropriate authority and obtain written confirmation of your report. Depending on where you live the appropriate authority may be your local authority or the police.
   • For all missing pets, within 5 days of discovering your pet is missing you must tell at least one veterinary practice in the area where he/she was last seen.
2. To submit a claim for Theft or Straying you must have advertised the loss of your pet and when you claim you must provide evidence showing the advertising took place.
3. If your pet has not been found within 90 days, please fill in a claim form and return it to us (no later than one year after the date your pet went missing).
4. If the claim is paid the original pedigree certificate and purchase receipt will not be returned to you.
5. If your pet is found or returned, you must repay the full amount that has been paid under this section of your policy.

 What is not covered:

1. Any amount if you or the person looking after your pet has freely parted with it, even if tricked into doing so.
2. Anything mentioned in the General exclusions applicable to all sections of the policy.
3. Any amount if a claim has not been submitted within one year of your pet going missing.

Claims evidence:

To claim under Theft or Straying, the following is required:

• A completed claim form.
• Evidence of the advertising carried out to try and find your pet.
• The purchase receipt from when you bought your pet.
• If your pet is a pedigree, the original pedigree certificate.

The claim form and claims evidence must be sent to us within one year of your pet going missing.

What is covered:

If your pet is lost or stolen you will be paid up to a maximum of €1,500 on Premier and Premier Plus (€1,000 applies on the Standard policy) in each period of insurance for the costs of:

1. Local advertising (including up to €75 towards sundries to make your own posters and advertising material), and
2. The reward you have offered and paid to get your pet back.

Special conditions relating to claims:

1. You must take the following steps:
   • As soon as you discover your dog is stolen/missing, or that your cat may have been
     stolen, you must tell the appropriate authority and obtain written confirmation of your report. Depending on where you live the appropriate authority may be your local authority or the police.
   • For all missing pets, within 5 days of discovering your pet is missing you must tell at least one veterinary practice in the area where he/she was last seen.
2. The €1000 benefit covers the cost of both advertising and a reward. This full amount is available to you to use for advertising but the amount you can use for a reward is limited to €500.
3. You must obtain our approval before advertising a reward; if not, the cost of the reward will not be covered by this insurance.
4. You must provide a receipt(s) for any amount which you are claiming for. Any costs not supported by a receipt will not be covered by this insurance.

What is not covered:

1. Any costs relating to your pet being lost or stolen before his/her cover started.
2. Any reward paid to:
   • A member of your family or any person living with you.
   • The person who was caring for your pet when it was lost or stolen.
   • The person who stole your pet or any person who is in collusion with the person who stole your pet.
3. Any reward that has not been agreed to with National Insurance before you advertised it.
4. Any reward not supported by a signed receipt giving the full name, address and telephone number of the person who found your pet.
5. Anything mentioned in the General exclusions applicable to all sections of the policy.
6. Any amount if a claim has not been submitted within one year of your pet going missing.

Claims evidence:

You must phone us for the approval of any reward before you advertise it.

The following will be required:

• A completed claim form.
• Copies of any advertisements placed and receipts or bills for any advertisement costs claimed for.
• Receipt for any amount of the reward you are claiming.

The claim form and claims evidence must be sent within one year of your pet going missing.

What is covered:

This section provides cover if you or any member of your family, permanently residing with you, suffer any bodily injury, illness or disease which necessitates your or their emergency hospitalisation as an in-patient for a period exceeding 4 complete days where no other member of your family permanently residing with you is able to look after your pet.

You will be paid up to €100 per week, up to a maximum of €1,500 on Premier and Premier Plus (€1,000 applies on the Standard policy) in any period of insurance, towards:

1. The cost of boarding your pet at a licensed boarding establishment.
2. The cost of paying someone to look after your pet. 

Special conditions relating to claims:

1. If your pet is not being boarded at a licensed boarding establishment, the amount to be paid to the person looking after your pet must be agreed in advance with National Insurance. 

What is not covered: 

1. Any costs resulting from you going into a hospital because of an injury or illness first occurring or showing symptoms before your pet’s cover started.
2. Any costs resulting from you being pregnant, giving birth or any treatment that is not related to an injury or illness.
3. Any costs resulting from treatment that is not related to a bodily injury, illness or disease.
4. Any costs resulting from your going into a hospital for the treatment for alcohol or solvent abuse, drug abuse, drug addiction, attempted suicide or self-inflicted bodily injury or illness.
5. Any costs resulting from care in a nursing home or from convalescence care that you do not receive in a hospital.
6. Anything mentioned in the General exclusions applicable to all sections of the policy.
7. Any costs if a claim has not been submitted within one year of the stay in hospital.

Claims evidence:

To claim we will require the following:

• A completed claim form.
• Written confirmation from the appropriate kennels or cattery showing the dates and daily cost of boarding or a letter from the carer that the agreed sum has been received.
• A medical certificate or written confirmation from the treating doctor or the hospital that confirms the dates of you or your family member’s admission and subsequent discharge from hospital.

The claim form and claims evidence must be sent to us within one year of the stay in hospital.