Rare animals can be covered in respect of ‘vet’s’ fees normally up to £2,000 and subject to a £50 excess for each course of treatment. This is the core standalone cover to which additions can be made (death by accident, disease or sickness; theft, fire, storm and lightning), all subject to a 10 per cent excess, and liability cover. Escape is not covered unless facilitated by an insured peril. Insured must be at least 18 years old.