On top of the specific exclusions listed under each type of cover, some General Exclusions (Section 9 of our Policy Wording) apply across the whole policy. In short, we generally won't cover:
certain pets, e.g. those under 4 weeks old, used for breeding, or crossed with wild breeds
certain dogs, e.g. those that have attacked or bitten, or are prohibited under the Dangerous Dogs Act (see our article above for the full list)
certain pet owners, e.g. those with unspent convictions for fraud or dishonesty, or who are banned from keeping animals
certain costs, e.g. clinical trials, breeding-related treatment, routine or preventative care, and costs above your cover limits
claims involving intentional harm or criminal activity, pre-existing conditions, or anything that falls within a waiting period
This is just a summary. For the full, exact wording, you can read our Policy Wording document, or get in touch and we'll be happy to check something specific for you.