Unfortunately, there are some breeds that we do not cover. These include all breeds banned by the Government and any dog or cat crossed with these breeds. There are also certain other breeds we do not cover including dogs and cats crossed with these breeds. Further details can be found below.

Banned and excluded breeds

If we receive information from you or your vet, that your pet is either a banned or excluded breed it will affect your policy as set out below. If you are unsure if your pet is a banned or excluded breed, we’ll ask you to provide us with a DNA test result for your pet. You are responsible for any costs for the DNA test. We won’t review your claim, or any future claims, until we receive the results of the DNA test. 

If you refuse to provide us with a DNA test result after we’ve asked you to provide one, we’ll void your policy straight away. 

Banned breeds

We don’t cover any dog breeds or types – including dogs crossed or mixed with these – that have been banned by the government under the Dangerous Dogs Act. These currently are:

• Pit Bull Terrier
• Japanese Tosa / Tosa Inus
• Dogo Argentino (also referred to as Argentine Dogo and Argentinian Mastiff)
• Fila Brasileiro
• XL Bully

If information we receive from you or your vet confirms your pet is a banned breed or is mixed with a banned breed, we’ll void your policy. We’ll void the policy back to your most recent renewal date. We’ll do this no matter what percentage of banned breed your pet’s DNA test results show. This is true even if you didn’t know your pet was crossed or mixed with a banned breed.

If you haven’t made any claims in your current policy year, when we void your policy we’ll refund any premiums paid for this policy year.

If we’ve paid a claim in your current policy year, when we void your policy we’ll refund any premiums paid, minus the amount we’ve paid for any claims. If the amount we’ve paid for any claims is more than the amount you’ve paid in premiums for this policy year, you won’t be due any refund.

Excluded Breeds

As well as the breeds listed within the Dangerous Dogs Act, there are also some other breeds that we don’t cover. This includes pets crossed or mixed with those breeds. 

The following lists include the other cat and dog breeds that we do not insure:

If your pet’s DNA test results show that your pet is 50% or less of an excluded breed, we’ll continue covering your pet.

If your pet’s DNA test results show they have more than 50% of an excluded breed, we’ll void your policy back to your most recent renewal date.

If you haven’t made any claims in your current policy year, when we void your policy, we’ll refund any premiums paid for this policy year. If we have paid a claim in your current policy year, when we void your policy, we’ll refund any premiums paid, minus the amount we’ve paid for any claims. If the amount we’ve paid for any claims is more than the amount you’ve paid in premiums for this policy year, you won’t be due any refund.