The basic coverage offers compensation for the value of the animal in the event of accidental death or theft, reimbursement of veterinary care costs caused by an accident, the costs of the pet’s stay in a kennel or cattery when the owner is hospitalised, the cost of advertising the pet’s loss in the media and reward in case the pet is recovered, legal expenses and third party liability cover.

The policy also offers some optional coverage. The customer can opt for coverage of veterinary expenses due to illness. With this cover, Middlesea will reimburse the reasonable expenses incurred for veterinary fees such as tests, surgery, anesthesia and hospitalisation in a vet clinic up to a maximum of €1,000 per policy period. Customers can also opt for cover whilst travelling with their pet outside Malta.

Pets that can be insured under this insurance policy include domestic cats and dogs aged between 3 months and 9 years, which are registered and microchipped. For Vet cover due to sickness the pet needs to comply with a timetable of vaccinations.