Purpose

Beneficial Insurance Limited ("Company") will indemnify the Owner, subject to the exclusions, terms and conditions mentioned in the Policy, the reasonable costs and expenses incurred by the owner up to the Maximum Cover of the Owner's plan and subject to the Policy Co-Pay in providing medical Treatment for the Horse named in the Policy, provided that the event occurred within the Period of Cover.

Cover

The Owner has a 7 day "free look" period during which You can read the terms and conditions of the Policy and decide if You wish to continue with the Policy unless you have made a claim. If You have not made a claim and decide not to continue with the Policy, You will need to advise Us in writing within seven days of receipt of the Company's Welcome Letter.

The Policy will only cover the Horse named in the Policy Schedule. Proof of identity may be required.

The Policy cover is defined in the Policy Plan table set out in Your Policy Schedule.

Section A: SPECIFIC TERMS AND CONDITIONS

  1. Sum Insured
    The Sum Insured is the amount You have chosen and the Company has accepted as the most We will pay. The Sum Insured will usually be determined by the Fair Market Value of the Horse at the date the Policy is either initiated or renewed and is subject to the Maximum Cover limits specified in the Policy Type.
  2. Death Cover
    • Silver Cover - the Company will indemnify up to the Sum Insured following the death or humane destruction by a Veterinary Surgeon during the Period of Cover as a result of a sudden, violent and external event that happens by chance at an identifiable time and place and is unforeseen and unintended ("Accidental Injury").

      In the case of Silver Cover, the Company will not indemnify:

      • If the death or humane destruction is not the direct result of an Accidental Injury as defined in 2 a) above; or
      • If the death or humane destruction happens more than 1 (one) month after the date the Accidental Injury first occurred; or
      • If the death or humane destruction occurred before the Period of Cover commenced; or
      • If the injury can be treated and it is humane to keep the Horse alive; or
      • If the humane destruction is carried out before You contact Us about the decision of the Veterinary Surgeon to euthanise the Horse and the Horse's condition does not meet the current NZ Veterinary Council Code of Professional Conduct for the destruction of horses; or
      • If the Horse's condition does not meet the current NZ Veterinary Council Code of Professional Conduct for the destruction of horses; or
      • If the death or humane destruction is the result of a deliberate act by either the Owner, the Owner's immediate family or any other person looking after the Horse; or
      • The cost of a post mortem examination.
    • Gold or Platinum Cover - the Company will indemnify up to the Sum Insured following the death or humane destruction by a Veterinary Surgeon during the Period of Cover as a result of:
      • An injury or illness that occurs during the Period of Cover; or
      • Surgery carried out by a Veterinary Surgeon to treat an injury or illness that occurs during the Period of Cover; or
      • Medication prescribed by a Veterinary Surgeon used to prevent injury or illness that occurs during the Period of Cover.
      • In the case of Gold or Platinum Cover, The Company will not indemnify:
      • If the death or humane destruction happens 12 (twelve) months after the date the injury or illness first occurred; or
      • If the death or humane destruction occurred before the Period of Cover commenced; or
      • If the death or humane destruction is the result of surgical operation not performed by a Veterinary Surgeon; or
      • If the illness or injury can be treated and it is humane to keep the Horse alive; or
      • If the humane destruction is carried out before You contact Us about the decision of the Veterinary Surgeon to euthanise the Horse and the Horse's condition does not meet the current NZ Veterinary Council Code of Professional Conduct for the destruction of horses; or
      • If the Horse's condition does not meet the current NZ Veterinary Council Code of Professional Conduct for the destruction of horses; or
      • If the death or humane destruction is the result of a deliberate act by either the Owner, the Owner's immediate family or any other person looking after the Horse; or
      • The cost of a post mortem examination.
  3. Removal and Disposal Costs (Gold and Platinum Cover only)

    The Company will indemnify the Owner up to the Maximum Cover, the cost to remove and dispose of the Horse's body following the death or humane destruction as a result of an injury or illness that occurs during the Period of Cover.

  4. Theft

    The Company will indemnify up to the Sum Insured if the Horse is stolen during the Period of Cover.

    The Company will not indemnify:

    • If the Owner or person looking after the Horse has freely parted with it (even if coerced into doing so, unless during transportation); or
    • If the theft occurs due to employee dishonesty; or
    • If the loss arises from mysterious disappearance or escape.
    • You must notify the Police as soon as You discover Your Horse has been stolen or is missing. A copy of the Police report will be required along with evidence of legal ownership of the Horse when You make a claim. You must repay any amount the Company has paid out if Your Horse is subsequently found.
  5. Veterinarian Fees (Gold and Platinum Cover only)

    The Company will pay the cost of veterinarian Treatment and, following examination and instruction by a Veterinary Surgeon, the cost of alternative treatment Your Horse receives to treat an injury or illness that occurs during the Period of Cover (subject to Your Maximum Cover specified in your Policy Schedule, any Co-Pay and / or Exclusions specified in your Policy Schedule or Policy Terms and the exceptions below) -

    The Company will not indemnify:

    • More than the Maximum Cover for Your particular Plan;
    • More than $4,000 towards the Treatment of a colic episode;
    • Any additional claim for a colic related episode for the duration of the Horse's life;
    • More than 50% of the cost of any veterinary Treatment (or any medication prescribed by a Veterinary Surgeon) Your Horse receives (or is prescribed to use) more than 12 months after the date of the original diagnosis of any injury or illness;
    • More than 50% of the cost of any veterinary Treatment (or any medication prescribed by a Veterinary Surgeon) Your Horse receives (or is prescribed to use) for any injury or illness that was originally diagnosed in any prior Period of Cover;
    • The cost of veterinary Treatment that the Owner chooses to carry out that does not relate to the injury or illness;
    • The cost of veterinary Treatment or alternative treatment that results from a vice or from the Horse's behaviour;
    • The cost of a post mortem, burial or cremation;
    • The cost of any treatment, which is not veterinary Treatment that You could carry out yourself;
    • The cost for travelling to a place of Treatment either for Your Horse or Veterinary Surgeon; or
    • The cost of castration, routine dental maintenance or pregnancy.
    • You must immediately contact the Company if the Horse shows signs of injury or illness and must immediately arrange (at the Owners expense) for a Veterinary Surgeon to examine and treat the Horse. If You do not do so, You may invalidate the Policy or any claim You later make.
  6. Saddlery and Tack (Gold and Platinum Cover only)

    If Your Saddlery and Tack is damaged, stolen or destroyed during the Period of Cover, We will pay, (subject to Your Maximum Cover specified in your Policy Schedule, any Co-Pay and / or Exclusions specified in your Policy Schedule or Policy Terms and the exceptions below) -

    • the cost of repair to bring it back to the same condition it was in before it was damaged; or
    • the Sum Insured of Your Saddlery and Tack or the Fair Market Value (whichever is the lesser) if the cost of repair is deemed, at Our sole discretion, to be uneconomical.

    The Company will not indemnify:

    • More than the Sum Insured for each incident;
    • More than $800 for any saddle or item of tack You do not have formal proof of purchase for, that show the make, model and the date of purchase;
    • Any amount for rugs, clothing or personal effects;
    • Any amount for Saddlery and Tack You do not own;
    • Any amount if the Saddlery and Tack is damaged or destroyed by wear and tear or the actions of moths, insects, vermin, pest or any other cause that happens slowly; or
    • Any amount if the Saddlery and Tack is damaged when it is being cleaned, dyed, repaired or restored.
  7. Floats, Trailers, Horse Drawn Vehicles (Gold and Platinum Cover only)

    If Your Horse Float, Trailer or Horse Drawn Vehicle is damaged, stolen or destroyed during the Period of Cover, We will pay (subject to Your Maximum Cover specified in your Policy Schedule, any Co-Pay and / or Exclusions specified in your Policy Schedule or Policy Terms and the exceptions below) -

    • the cost of repair to bring it back to the same condition it was in before it was damaged; or
    • the Sum Insured of Your Horse Float or the Fair Market Value (whichever is the lesser) if the cost of repair is deemed, at Our sole discretion, to be uneconomical.

    The Company will not indemnify:

    • Any amount if Your Horse Float, Trailer or Horse Drawn Vehicle is damaged or destroyed by wear and tear or the actions of moths, insects, vermin, pest, mildew, mechanical or electrical breakdown, or any other cause that happens slowly;
    • Any amount if Your Horse Float, Trailer or Horse Drawn Vehicle is damaged or destroyed when it is being cleaned, repaired or restored;
    • Any extra costs if replacement parts or accessories are not available;
    • Any amount for tyres that are damaged by punctures, cuts, bursts or braking;
    • Any amount if Your Horse Drawn Vehicle is damaged while it is being used for training, or taking part in, competitions or trials or cross country events;
    • Any amount if Your Horse Float, Trailer or Horse Drawn Vehicle is stolen or damaged or destroyed while the thief is trying to steal it, if You have not fitted a wheel clamp, tow hitch lock or put it in a building that is properly locked;
    • Any other financial loss, legal compensation, costs or expenses; or
    • Your legal liability for payment of compensation in respect of death, bodily injury or illness, and/or physical loss of or damage to property; or
    • If You have not insured Your Horse Float, Trailer or Horse Drawn Vehicle for its full Fair Market Value, We will only pay a percentage of Your claim. The percentage We will pay will be based upon how much of the full Fair Market Value that the amount You have insured Your Horse Float, Trailer or Horse Drawn Vehicle for, represents;
    • You make any claims payment until We have received a copy of the Police Crime Report and evidence of Your legal ownership (proof of purchase, registration certificate);
    • If Your Horse Float, Trailer or Horse Drawn Vehicle is found, and You must repay the full amount We have paid You.
  8. In Transit

    Your Policy covers transit within New Zealand meaning if disaster strikes and Your Horse is fatally injured whilst in transit, the Company will cover Your financial loss subject to Your Maximum Cover and any Co-Pay outlined in the Policy Schedule.

  9. Loss of Irrecoverable Entry Fees (Platinum Cover only)

    The Company will indemnify the cost of an entry fee that You cannot recover if Your Horse dies before a show or event or if You are in hospital on the day of a show or event.

    The Company will not indemnify:

    • More than $1,000 for any entry fee You are unable to recover;
    • Any amount if Your claim is hospital related and the reason You are in hospital is not the result of an injury or illness; or
    • Any amount if Your claim is related to the death of Your Horse and We have not paid a claim for the death or destruction of Your Horse.
  10. Annual Vaccine Contribution (Gold and Platinum Cover only)

    The Company will contribute a maximum of $50 during any Period of Cover towards the costs of vaccinations administered by a Veterinary Surgeon for Your Horse.

  11. Age Restriction

    This Policy only applies to horses and ponies aged between the years indicated on the Plan selected.

  12. Co-Pay

    The amount You are required to pay being the first part of any unrelated claim. If You make a claim under any section of Your Policy You may be required to pay such a Co-Pay. Most Co-Pay amounts are detailed on Your Policy Schedule but some additional Co-Pay amounts may apply to some additional benefits provided by Your Policy. You should read Your Policy Schedule carefully so that You are aware of what Co-Pay amounts may be applicable to You in the event of a loss.

  13. Veterinarian Certificate
    • A two (2) stage veterinarian certificate in a form prescribed and agreed by Us, is required to be completed at the commencement of each Policy under Plans Gold or Platinum when the Sum Insured is from $10,000 to $19,999;
    • (ii) A five (5) stage veterinarian certificate in a form prescribed and agreed by Us, is required to be completed at the commencement of each Policy under Plans Gold or Platinum where the Sum Insured is $20,000 and above;
    • (iii) A five (5) stage veterinarian certificate in a form prescribed and agreed by Us, is required to be completed at the commencement of each Policy under Plans Gold or Platinum where the Horse has required veterinary Treatment in the 12 months preceding the Policy Commencement Date;
    • (iv) A declaration of health in a form prescribed and agreed by Us, is required on the anniversary date (Renewal Date) of any Policy.

Section B: GENERAL TERMS AND CONDITIONS

  1. Changing your plan

    The Owner can, at time of renewal, apply in writing to increase or decrease the benefits of the Policy by up-grading or down-grading the plan. In the event of a benefit increase there will be a 4 month stand down period from the Commencement Date of the upgraded plan for any new condition that the Horse suffers or experiences.

  2. Period of Cover
    • The Policy is for a term of twelve months from the Commencement Date. Where We agree that You may pay Your premium on an instalment basis, You are required to continue to make instalment payments until the full premium has been paid to the Company, except where the Company cancels the Policy;
    • The Company reserves the right to terminate this Policy by advising the Owner in writing upon 21 days' notice. Where the Company terminates the Policy it will refund any unused portion of the premium for the remaining term of the Policy, if any;
    • The Owner can only cancel the Policy during the 7 day "free look" period or at the end of an annual cover period (or any other time as long as the Owner pays the Company the full annual premium due to the Company during the Period of Cover);
    • If the full annual premium is not paid by the Due Date, We reserve the right to charge default fees and collection costs to recover the premium;
    • Any requests by the Owner to cancel the Policy must be made in writing to the Company.
  3. Renewal of Cover:
    • The Policy will be renewed for a further 12 month period from the Renewal Date set out in the Policy Schedule at the sole discretion of the Company (the "Renewal"). The Renewal will be subject to there being no Material changes to the information disclosed by the Owner to the Company;
    • A renewal advice will be sent to the Owner at the Owner's last known address prior to the Renewal Date and will include an updated Policy Schedule (the "Updated Schedule") and Policy Wording;
    • Any adjustments to the premium, Details of Cover or Terms of Cover will be advised to the Owner on the Updated Schedule and Policy Wording;
    • Payment of the Premium due on the Renewal and outlined on the Updated Schedule is payable in accordance with Your existing method of payment and frequency as set out in the Policy unless contrary advice is received by Us in writing and We agree, prior to the Renewal Date;
    • Until further notice, the Owner grants the Company the authority to continue any existing Payment Authority given by the Owner to the Company and the Owner's Bank in relation to the Premium payments. This includes any Direct Debit Authority, Automatic Payment Authority or Credit Card Details where the Owner has authorised the Company to debit a nominated bank account and / or credit card for the premium payments due under the Policy or the Renewal.
  4. Conditions
    • The obligations of the Company and payment of any benefit under the Policy is conditional upon: The Owner having paid to the Company the premium on or before the Due Date for payment. In the event that a premium payment is not paid by the Due Date for payment the Policy will lapse 7 days after the Due Date. No claims will be paid if a claim is received after a Policy has lapsed. In the event the Policy lapses the Owner can apply to have the Policy reinstated subject to the Company's discretion, which could include asking for proof of the Horse's good health, new terms and conditions applying including exclusions being imposed and no claim being assessed or paid for the period that the Policy had lapsed;
    • The Owner ensuring that the Horse is of sound health; free of injury, illness, disease, lameness or physical disability whatsoever AND properly cared for and maintained at all times and that the Horse undertakes Treatment as prescribed by a Veterinary Surgeon to prevent an illness or disease occurring and to also ensure that the Horse is immediately taken to a Veterinary Surgeon as soon as it shows signs of being unwell so that it can be examined and treated without delay;
    • The Owner ensuring that all operations and Treatments are performed by a qualified Veterinary Surgeon and to also ensure that Pet-n-Sur are contacted for any surgical operation other than in an attempt to save the Horse's life, at least 24 hours prior to the operation being performed;
    • A Maximum Cover payable under this Policy as specified in the Policy Schedule;
    • The Owner paying the Co-Pay specified in the Policy Schedule on a per medical Treatment and / or per veterinary visit basis for each and every claim that is submitted under this Policy;
    • The Policy only covering Treatments specified in the Policy Schedule for treatment received by Your Horse in the geographical limits as listed in the Policy Schedule unless special agreement to extend the limits has been approved; The Policy only covering Treatments specified in the Policy Schedule for treatment received by Your Horse during the Period of Cover;
    • The Owner ensuring that he/she fully discloses all known medical conditions(supported with an appropriate veterinarian certificate or declaration of health) in relation to the Horse at application time, at the time of Renewal or at any time during the Policy. If a material event or information relating to the Horse arises and in the event that it is found that any of this information has been withheld, the Company has the right to deem the Policy as void and not meet any claims that may be made;
    • None of the exclusions set out here or in Your Policy Schedule being applicable;
    • In the event a claim or any information provided to the Company is fraudulent, misleading or untrue this Policy will be cancelled and the Owner will forfeit entitlement to all benefits which would otherwise have been payable under the Policy and the Company reserves the right to claim all premiums that have been paid to cover the Company's costs;
    • The Owner agreeing for the Horse's medical records and supporting information regarding all Treatments of any nature whether or not covered by the Policy to be provided to the Company and the Owner agreeing to meet the costs of obtaining this information;
    • The Company reserves the right to impose a Co-Pay or loading to the Policy, either at time of application or at the time of renewal and also reserve the right to specify a maximum payment for selected treatments and procedures.
  5. Exclusions

    The obligations of the Company and payment of any benefit will not apply if:

    • A claim arises for illness or Accident within the stand down period specified in Your Policy Schedule;
    • A claim is received more than 30 days after the treatment has finished or the claimable event has occurred;
    • The Horse has or is known to have pre-existing conditions that were in existence before the Policy commenced including any chronic, recurring or on-going medical conditions / diseases that have been in existence or treated before the Policy commenced;
    • A claim is for the treatment of skin and/or allergic conditions that have been caused by the chemicals or substances used in products to maintain the cleanliness of the Horse or for the treatment of ectoparasites on the Horse;
    • The Horse suffers contact skin conditions and/or allergies from contact with but not limited to plants;
    • The Horse has caused damage to any property or people or any other animal;
    • The maximum benefit as specified in the Plan table has been met or exceeded during the Period of Cover;
    • Treatment for the Horse is as a result of a deliberate act or omission or the negligent behaviour or care caused by the Owner or anyone at the Owner's premises;
    • A claim is received for a Horse that is under the age of 12 months and over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy;
    • A claim is received in relation to a post mortem of the Horse;
    • A claim for treatment of a psychiatric disorder, behavioural problems or costs associated with retraining a Horse due to them suffering such disorders or problems);
    • A claim received in relation to the travel expenses of the Horse's Veterinary Surgeon for any medical or Accident callouts;
    • A claim relates to the Horse / Treatments where the Horse is ordered to be destroyed by the courts / relevant legislation or any government agency, public or local authority or any person or body having or claiming jurisdiction in the matter in New Zealand.
    • The Treatment of the Horse is directly or indirectly caused by use of the Horse directly or indirectly to hunting, security work or racing;
    • The Treatment is for any breeding, breeding related procedures and/or Treatments, including but not limited to contraceptives, contraceptive procedures or pregnancies;
    • The Treatment is required due to or is related to the Horse being overweight or obese;
    • A claim is received for reimbursement of diet food, medication for diet and vitamin deficiencies or medication for a Horse's coat, even if it has been prescribed and recommended by the Horse's Veterinary Surgeon;
    • The Treatment is for any cosmetic surgery or any form of tattooing of a Horse;
    • A claim is received for dental treatment including but not limited to, inflammation of the gums, cleaning and de-scaling of the Horse's teeth or the removal of any teeth, except in the instance where the treatment is required due to the teeth being damaged in an Accident;
    • Any loss or damage if the Horse is not vaccinated against tetanus, strangles and equine influenza or any other disease that there is a known vaccine which a Veterinary Surgeon would in the ordinary course of veterinary practice recommend;
    • The claim is for any transplant, replacement or implant of any organs or body parts including pacemakers;
    • The claim is a result of declared or undeclared war or any act thereof, invasion or civil war or any claim that is a result of a natural disaster including but not limited to flooding, earthquake, volcanic eruption;
    • The claim is as a result of biological or chemical attack. Whereby the loss or damage is directly or indirectly caused by, resulting from or in connection with the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials regardless of any other cause or event contributing concurrently or in any other sequence thereto;
    • The claim is a result of loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss;
    • The claim is a result of loss caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds;
    • The claim is a result of the Owner behaving unlawfully;
    • The claim is as a result of loss or damage caused by radiation, nuclear explosion, nuclear fallout or contamination by radioactivity;
    • The claim relates to any experimental medication or treatment or clinical trial or any complications howsoever arising out of any experimental medication or treatment or clinical trial.
  6. Miscellaneous
    • It is the Owners responsibility to ensure that all Policy details are correct including all details relating to the Horse, the medical history of the Horse and the contact details of the Owner;
    • Premium payments that fall due on a Public Holiday(s) will be debited on the working day preceding the Public Holiday(s) using any existing Payment Authority given by the Owner to the Company.
  7. Claims Process

    Please note that any unpaid Annual Premiums will be deducted from any approved claim payment (including any Annual Premium amount outstanding on Policies that are being paid via agreed instalment plans). This also applies to claims paid in the event of Your Horse's death.

    The Owner must file a completed claim form (including all supporting documentation) no later than 30 days after either -

    • treatment has finished or;
    • the occurrence of a Claimable Event.

    To make a claim for reimbursement of Veterinary Surgeon fees and other costs covered under the Policy, the Owner needs to:

    • Telephone Beneficial Insurance Limited on 0800 738 678 (0800 PET N SUR) notifying a claim and to request a claim form; or
    • Fax to Beneficial Insurance Limited on 0800 329 424 requesting a claim form to be sent; or
    • E-mail to claims@beneficial.co.nz and request a claim form to be sent; or
    • Download claim form at

    In order for the Company to assess the claim, the Company will require a duly completed claim form along with copies of all relevant receipts and the Owner will be required to produce, at their own expense, all relevant information from Your Veterinary Surgeon or other parties as requested by the Company. In the event that the claim is accepted, the payment will be less the Co-Pay referred to in the Policy Schedule. In the event that the Horse is covered with another provider in addition to this Policy from which You are eligible for reimbursement for a claim under their Policy, the Company will not refund more than the total refundable share of the amount claimable under the Policy. You must also advise the name of the other company giving Us permission to discuss all details of the relevant claim. In the event that there is a disagreement between the Company and the Owner in regards to a claim, then this will be referred to an independent Veterinary Surgeon as agreed by both parties who will act as arbitrator and whose decision will be final and binding on both the Company and the Owner. The cost will be at the expense of the party who is found to be at fault.

  8. Definitions

    "Accident" means a sudden, violent and external event that happens by chance at an identifiable time and place and is unforeseen and unintended;

    "Certificate of Insurance" means the Policy Schedule and the Policy Wording;

    "Claimable Event" means an event that gives rise to a claim under the Policy;

    "Commencement Date" means the date specified in the Policy Schedule;

    "Company" means Beneficial Insurance Limited;

    "Due Date" means the date or dates We advise You that Your premium payment(s) are due on;

    "Co-Pay" means the amount stated on the Policy Schedule, which is the first part of each unrelated claim and the amount You must pay for each unrelated claim;

    "Horse Float, Trailer or Horse Drawn Vehicle" means the particular float, trailer or horse drawn vehicle listed on Your Policy Schedule;

    "Injury" means a physical injury resulting solely and directly from an Accident, not an injury that occurs over a period of time or is of a gradual nature;

    "Fair Market Value" means the value agreed between a willing buyer and a willing seller, neither being under any compulsion to buy or sell and both having reasonable knowledge of relevant facts, for any Horse or item of the same age, type and condition as Your Horse or item at the date the Policy is either initiated or renewed.

    "Fraudulent behaviour" includes providing Us with false information, making a false or exaggerated claim or making a claim that includes dishonesty;

    "Horse" means the animal that is referred to in the Policy Schedule;

    "Material" means any information that would have influenced the judgment of a prudent provider in fixing the premium or in determining that he/she would have taken or continues the risk upon substantially the same terms;

    "Maximum Cover" means the most We will pay up to for a particular benefit as set out in the Certificate of Insurance;

    "Owner" means the person(s) that is referred to in the Policy Schedule as the Policy Holder;

    "Period of Cover" means the 12 months commencing on the Commencement Date and ending on the last day of that 12 month period;

    "Policy" means the Policy Schedule and the Policy Wording;

    "Policy Schedule" means the schedule that the Company issues to the Owner outlining the full details of cover provided under the Policy;

    "PreExisting Condition" means any Treatment, Symptom or Chronic condition relating to the Horse that occurs prior to the Commencement Date, regardless of whether or not it is specifically diagnosed, which you are aware of or a reasonable person in your circumstances ought to have been aware of including any Treatment, Symptom or Chronic condition that is related to or is a result of any Pre-Existing Condition;

    "Renewal Date" means the date set out in the Policy Schedule being 12 months from the Commencement Date;

    "Saddlery and Tack" means saddles, bridles, irons, harness and riding tack but excludes rugs, blankets, costumes or clothing;

    "Sum Insured" means the amount You have chosen and the Company have accepted as the most We will pay as set out in the Certificate of Insurance.

    "Terrorism" means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public in fear;

    "Treatment" means any examination, consultations, surgery, medication, tests, scans and x-rays and diagnostic work as carried by a veterinarian practice;

    "You" or "Your" means the person(s) named on the Policy Schedule;

    "Vice" means any bad habit, usually of a repetitive nature;

    "Veterinary Surgeon" means a registered veterinarian experienced in equine practice with a currently valid license, issued by the appropriate governing agency, allowing him/her to practice veterinary medicine in New Zealand;

    "We", "Us", "Our", "Agent" or "Company" means Pet-n-Sur acting on the behalf of Beneficial Insurance Limited. Where the Policy requires advice, notice or communication all correspondence to the Company should be sent to either PO Box 68548, Newton, Auckland 1145 or admin@petnsur.com or Fax 0800 329 424;

    "12 months" means 365 days calculated from and including the date an injury happens or the first clinical signs of an illness are noticed;

Beneficial Insurance Limited has a Full Licence to carry on insurance business in NZ as required by the Insurance (Prudential Supervision) Act 2010v01092016