Terms of Use
INTRODUCING OUR TERMS AND CONDITIONS (THE “AGREEMENT”) INCLUDING WHO IT APPLIES TO.
Welcome to Quays Pet Insurance, these Terms of Service (“Term”) govern your use of our website and services. By accessing or using our website and purchasing insurance from us, you agree to these terms and conditions. Please carefully read them.
About Us
Quays is a pet insurance provider based in the United Kingdom. We offer a variety of coverage options for dogs, cats, and other pets. We provide flexible, affordable and reliable pet insurance to meet the needs of every pet owner. We are regulated by the Financial Conduct Authority (FCA) and our registered office is at 128 City Road, London, EC1V 2NX.
For further enquiries, you can contact us on 02035982351 or Email at info@quaystechnologies.com
Our Website
Our website is designed to be used by people living in the United Kingdom for personal and non-commercial purposes. We cannot guarantee that this website or its contents is suitable for use in other jurisdictions or that it is in conformity with their local laws.
You are solely responsible for how anyone using your computer uses the website and you are required to make sure that they abide by these terms of service
Before you buy any product or service on this website, you will be directed to specific pages that contain additional information on the product, regulatory, or legal information. You are encouraged to read these pages and contact us using the information below if you have any questions. This website is intended to be accessed from the home page; if you access it from another website, you might miss some crucial information that is pertinent to the products or services being offered.
Eligibility
To purchase insurance from us, you must:
- Be 18 years of older
- Be resident in the UK
- Have a pet (or pets) that satisfy our breed, age, and health requirements
- Ensure that the information you provide when applying for a pet insurance policy is accurate and complete
It is important to note that if your pet does not meet our eligibility criteria, we reserve the right to refuse coverage.
Policy Coverage and Limitation
At Quays, our pet insurance plans cover the following:
- Accidents and injuries
- Illnesses and chronic conditions (based on your policy type)
- Veterinary bills
- Treatment and medication
- Optional add-ons (dental care, travel and holiday cover, alternative therapies)
Nevertheless, there are some exclusions such as:
- Pre-existing conditions (not disclosed)
- Routine care and vaccinations (unless covered in your plan)
- Costs associated with pregnancy and breeding
- Intentional harm or neglect.
Please consult your Policy Documents for comprehensive information on what is and isn’t covered.
Premiums and Payments
- In order to maintain your coverage, you must pay your monthly or yearly premiums on schedule.
- If you miss your payments, we may suspend or cancel your policy
- Prices may change due to inflation, claim history or changes in coverage. If this happens, we will notify you in advance.
Making a Claim
If your pet requires treatment, you can submit a claim by:
- Logging into your online account and completing the claims form
- Providing all necessary documents including invoices from the vet
- Awaiting claims assessment which usually takes 5-10 working days
We reserve the right to request additional information or refuse claims that do not satisfy our policy terms. For more information on how to make claims, click here (link to claims)
Policy Cancellation and Termination
By You:
You can terminate your coverage at any time by:
- Getting in touch with our customer service representatives
- Giving a written notice (letter or email)
- In the event that no claims have been filed, you may be eligible for a refund
By Us:
We reserve the right to cancel your policy if:
- Payments are not received
- False claims have been submitted
- There is a violation of these terms
We will provide you a notice of at least 14 days before cancelling your policy unless there is an issue of fraud or non-payment.
Privacy Policy
At Quays Pet Insurance we are fully committed to protecting your privacy in line with data protection laws. Our privacy law which clearly defines how we use your information can be found here (link to privacy policy).
Governing Law
These terms of service and all quotes and policies are governed by the laws of England unless otherwise specified in your policy document. Both you and us agree to the jurisdiction of English courts.
Disclaimer
To the maximum extent allowed by law, Quays Pet Insurance disclaims all warranties, whether expressed or implied by statute, custom, or usage, with regard to the information contained in this website. We also disclaim all liability for any losses or damages that may arise from this website, including negligence whether in contract or otherwise, or from any interruption or delay in accessing this website.
Changes to These Terms
These Terms are subject to change at any time. We will send you an email or post information on our website if there are any major changes. You agree to the revised terms if you keep using our services after they go into effect.
Contact Us
If you have any questions about these terms of service, please contact us
- Address: 128 City Road, London, EC1V 2NX
- Phone: 02035982351
- Email info@quaystechnologies.com
Agreement
By using our service, you confirm that you have read, understood, and agreed to these terms of service. You also agree to abide by all applicable laws, rules, and regulations. This website should not be interpreted as an offer because its goal is to communicate prices and availability.
All agreements made between you and Quays are governed by our terms of service. Pet screening by a vet and the conditions outlined in the policy documents must be met before an insurance policy can be issued. The contract comes into effect after we send you a confirmation.
Which Pet Insurance Plan Fits Your Furry Family?
When choosing, consider your pet's age, breed, and health history, as well as your budget and what level of cover you need.
Lifetime Insurance
Lifetime pet insurance policy provides comprehensive coverage for your pet’s entire life, as long as you continue to renew your policy and pay your premiums. This type of insurance is also known as “whole life” or “lifetime cover” insurance.
How does it work?
Lifetime Pet Insurance, you’ll pay an annual premium, and in return, we’ll provide coverage for your pet’s veterinary bills, up to a certain limit, for the rest of their life. The coverage limit may vary depending on the specific policy and options you choose.
One of the best things about our lifetime pet insurance is that it provides peace of mind, knowing that you’ll be able to afford the best possible care for your pet, no matter what health issues may arise in the future.
What veterinary expenses are covered under lifetime pet insurance?
Lifetime Pet Insurance typically covers a range of veterinary expenses, including accidents, injuries, illnesses, surgical procedures, diagnostic tests, and medications. Some policies may also cover preventative care, alternative therapies, and dental care.
It also covers other expenses such as kennel costs, third party liability, compensation if your pet is lost, stolen or dead.
Can a dog with a pre-existing condition get lifetime pet insurance?
Most lifetime pet insurance policies exclude pre-existing conditions, which means that if your pet has a medical condition before you purchase the policy, it may not be covered. However, some policies may offer limited coverage for pre-existing conditions after a certain waiting period.
Can I cancel my lifetime pet insurance policy at any time?
Most lifetime pet insurance policies can be canceled at any time, but there may be penalties or fees associated with canceling. It’s essential to review your policy terms and conditions before canceling to understand any potential penalties or implications.
Annual (Time-Limited) Insurance
What is Annual (Time-Limited) Insurance?
Annual (time-limited) insurance provides coverage for a specific period, usually 12 months, from the date of diagnosis or treatment of a condition. This type of insurance is designed to help manage veterinary expenses for a limited time.
How Does Annual (Time-Limited) Insurance Work?
With annual (time-limited) insurance, you’ll pay an annual premium, and in return, we’ll provide coverage for your pet’s veterinary bills, up to a certain limit, for a short period (usually 12 months). After that, the condition will be considered pre-existing and excluded from future coverage.
What Veterinary Expenses Are Covered Under Annual (Time-Limited) Insurance?
Annual (time-limited) insurance typically covers a range of veterinary expenses, including accidents, injuries, illnesses, surgical procedures, diagnostic tests, and medications. However, coverage is limited to the specified period, and chronic conditions may not be covered beyond that period.
Can a Dog with a Pre-Existing Condition Get Annual (Time-Limited) Insurance?
Annual (time-limited) insurance policies exclude pre-existing conditions, which means that if your pet has a medical condition before you purchase the policy, it may not be covered.
Can I Renew My Annual (Time-Limited) Insurance Policy?
Yes, annual (time-limited) insurance policies can usually be renewed each year. However, the terms and conditions may change, and pre-existing conditions may be excluded from future coverage.
Maximum Benefits Insurance
Maximum Benefits insurance is a type of pet insurance that covers a set amount per condition. Once the maximum limit is reached for a particular illness or injury, that condition is no longer covered, but other conditions remain insured. It’s ideal for pet owners seeking a balance between coverage and affordability, as it generally offers higher limits than time-limited policies but is more cost-effective than lifetime cover.
What does maximum benefits insurance cover?
It covers vet fees for accidents, illnesses, and treatments up to a set limit per condition. Once the limit is reached, that condition is excluded from future claims.
Is there a time limit on claims?
No, there’s no time limit on how long you can claim for a condition, as long as you haven’t reached the maximum benefit for that condition.
What happens if I reach the maximum benefit?
Once the limit is reached, the policy will no longer cover that specific condition. However, you can still claim for other unrelated health issues.
Does it cover pre-existing conditions?
Typically, Maximum Benefits insurance does not cover pre-existing conditions. It’s best to check the policy details for any exclusions.
Is Maximum Benefits insurance suitable for my dog?
It’s a good choice if you want more coverage than a time-limited policy but don’t need the comprehensive protection of a lifetime policy. It’s ideal for pet owners looking for a middle-ground option.
Accidents-Only Insurance
Accidents-Only insurance is a basic type of pet insurance that covers the cost of veterinary treatment if your dog is injured in an accident. It does not cover illnesses or routine check-ups. This policy is usually the most affordable option, making it a good choice for pet owners looking for budget-friendly coverage for unexpected injuries.
What does Accidents-Only insurance cover?
It covers veterinary costs resulting from accidents, such as broken bones, cuts, or injuries from car accidents. It does not cover illnesses or routine care.
Does it cover long-term treatment?
Yes, as long as the treatment is related to an accident and within the policy’s coverage limit. However, chronic or recurring illnesses are not covered.
Are pre-existing conditions covered?
No, Accidents-Only insurance does not cover pre-existing conditions, even if they were caused by an accident before the policy started.
Is there a time limit on claims?
This depends on the provider. Some policies may have a time limit per accident, while others cover ongoing treatment as long as it relates to the initial accident.
Is Accidents-Only insurance suitable for my dog?
It’s a good option if you want to protect against the financial impact of unexpected accidents but don’t need coverage for illnesses or preventive care. It’s ideal for younger, healthier dogs that are less likely to develop serious health issues.
Third-Party Liability (For Dogs)
Third-Party Liability insurance protects you financially if your dog accidentally causes injury to someone or damages someone’s property. This coverage is especially useful if your dog is active or unpredictable, as it helps cover legal costs and compensation claims. It doesn’t cover injuries to you or damage to your own property but provides peace of mind in case of unexpected incidents.
What does Third-Party Liability insurance cover?
It covers legal fees and compensation costs if your dog injures someone or damages someone’s property. This includes incidents like biting, knocking someone over, or causing a car accident.
Are there any exclusions?
Yes, this insurance typically excludes incidents involving family members or people living with you. It also won’t cover damages to your own property or injuries to your dog.
Does every pet insurance policy include Third-Party Liability?
Not all pet insurance policies include this, so it’s essential to check. However, Quays Pet Insurance offers comprehensive policies that include Third-Party Liability as a standard feature, ensuring you’re protected from unexpected legal costs.
Do I still need this if my dog is well-behaved?
Even well-trained dogs can act unpredictably, especially when startled or in unfamiliar situations. Third-Party Liability insurance provides financial protection just in case.
Is this required by law?
In the UK, Third-Party Liability insurance isn’t legally required, but it’s highly recommended for all dog owners. Some landlords or public places may also require proof of this coverage.
Pet Tips & Advice
Quays Technologies Limited is authorised and regulated by the Financial Conduct Authority, registration number: 1013699. Quays Technologies Limited is registered in England and Wales, registration number: 14465169.