British shorthair

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  Vet fees

  We'll help with eligible vet fees for accidents and illnesses through your Policy Expert cat insurance, up to the annual limit in your schedule. British shorthairs are a slow-maturing breed that can be prone to weight gain, which over time raises the risk of diabetes and joint problems - conditions that may need ongoing veterinary management. It's worth choosing a cover level that reflects this.

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  Complementary treatment

  For complementary treatment, Bronze doesn't offer this. Silver includes up to £1,000 and Gold up to £2,000, where your treatment meets the policy requirements.

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  Dental cover

  Your dental cover depends on which tier you have. Bronze excludes dental care completely. Silver covers dental treatment for accidents up to £2,000. Gold covers dental care for both accidents and illness up to £2,000, subject to your policy terms.

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  Farewell cover

  Farewell cover may be part of your policy - check your schedule to confirm. If it's included, we can cover the original purchase or donation price if your pet passes away, subject to limits, age conditions and exclusions. British shorthairs are a popular pedigree breed, so make sure the purchase price is accurately recorded.

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  Emergency boarding

  Silver and Gold both include emergency boarding and minding, subject to a hospital stay and other policy conditions. You get up to £600 with Silver and up to £1,200 with Gold.

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  Missing pet cover

  Silver and Gold both include missing pet cover. This includes up to £50 for local advertising and up to £250 as a reward. However, this isn't included with Bronze.

Your pet insurance policy won't cover everything. Here's what's excluded:

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  Pre-existing conditions

  This means any health issues your pet had before the policy started, including known problems, symptoms, existing illnesses or injuries, related conditions, bilateral conditions and certain spinal disc issues. For British shorthairs, this is particularly relevant given their predisposition to HCM and PKD. Taking out cover before any symptoms appear gives you the best chance of a new condition being eligible, but all claims will still need to meet the policy terms.

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  Routine care

  Routine care isn't included either. That's things like vaccinations, regular health check-ups, dental check-ups, and any preventative or cosmetic treatments. Regular dental care and weight management are important for British shorthairs, but these routine costs fall outside the scope of pet insurance.

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  Pregnancy and breeding

  Pregnancy and breeding costs are not covered, nor are cosmetic procedures.

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  Behavioural problems

  Bronze policies don't include cover. Silver and Gold policies include up to £1,000 if the behaviour change is caused by a mental or emotional disorder that your vet has diagnosed.

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  There's a waiting period

  injuries in the first 48 hours aren't covered, nor are illnesses in the first 14 days. Any costs above your policy limit also aren't covered.