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I can't find anywhere in my policy that says the whole policy can be invalidated if the dog is not vaccinated.
It says, your pet must have regular annual checkups and be vaccinated against distemper, hepatitis, lepto, and parvo. All vacs must be administerd by a vet. Homeopathic vaccines are not acceptable. There is no cover provided for these conditions in the event that the required vaccinations have not been carried out.
I think most policies will exclude these diseases if not vaccinated.
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On page 1 of the policy summary (
http://www.halifaxpetinsurance.co.uk/pet/schemes/pb/halifax/pages/HalifaxSummay.pdf) in the
Type of Insurance and Cover section, under
Conditions, it states that:
"You must ensure that your pet has received regular annual checkups and the required annual vaccinations, failure to comply with this may jeopardise your claim or cover."
This is the type of clause that can lead to whole policies being invalidated because of non-vaccination
Vaccination is not a "
condition of insurance" for the Marks and Spencers policy, although it does exclude illness/death as a result of conditions that could have been vaccinated against are excluded.
There have been a few horror stories on the web about these types of policies and they way in which insurance companies endeavour to get out of paying claims if they possibly can using wording like this in the policies - of course, if your dog is vaccinated as required, then it isn't an issue
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Yes it does say that and then says - please refer to the general conditions in the policy wording for a full description.
Which states what I posted before. They won't cover for diseases which are covered by vaccination if they have not been vaccinated