While you’re taking care of an emergency, who’s taking care of you?

An Australian first in vet protection

An Emergency Animal Disease may be unlikely but it’s far from unheard of. And until now, if you decided to take part in an Emergency Animal Disease Response (EADR) as a private practising vet, you wouldn’t have been covered?

In an Australian first, Animal Health Australia, the Australian Veterinary Association (AVA) and Guild Insurance have put together a framework that will cover private practising vets who choose to become involved in an EADR. No other insurance provider offers you this unique cover.

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About this product

EADR framework & cover Cover for vet practices Cover for employee vets

Designing the framework was complex, but the benefits to vets are simple.

Now you can respond to an extraordinary situation without having to worry about any outside repercussions.

Steps to take if an EAD is declared and you decide to help:

  1. Notify us by calling 1800 810 213 straight away and we’ll let you know if Guild is covering the particular EAD that’s been declared – we’ll make a decision on a case-by-case basis.

  2. In calling us to check if the EAD is covered we will also be able to activate your cover at the same time. If we are covering the EAD you have contacted us about we will need to issue you with a Certificate of Currency. This will be sent to you via email.

This is proof you’re covered. 

For more information about EADR visit Animal Health Australia, view the most recent FAQ's

Not a Guild customer?

    If you aren’t a current Guild Insurance customer but want to assist, we answer your questions below.

    1. My insurer doesn’t cover an EAD outbreak, but I want to assist, what do I do?

      2. You’ll need to call us on 1800 810 213 straight away and we’ll let you know if Guild is covering the particular EAD.  We will assess if we will cover the declared EADR on a case by case basis. 

      1. We’ll assess your application for Veterinary Professional Indemnity insurance.

      2. If your application is accepted we’ll provide cover which includes EADR.

      If we are covering the EAD then we’ll need to organise payment of the premium for your new policy and issue you with a Certificate of Currency. 

      • We’ll assess your application for Veterinarian’s Professional Liability insurance
      • We’ll process your payment over the phone.
      We’ll send your Certificate of Currency to you by email. This is proof you’re covered.  

If you own or manage a practice or are a contractor we have outlined a few of the frequently asked questions below

  1. What is an Emergency Animal Disease (EAD)?

    An Emergency Animal Disease (EAD) is a disease that is likely to have significant effects on livestock – potentially resulting in livestock deaths, production loss, and in some cases, impacts on human health and the environment.  Private practising vets may be called upon and asked to help with an outbreak.

  2. As a practice owner/manager can I get involved and help?

    Yes. The government may call on private practising vets to assist if an Emergency Animal Disease Response (EADR) is declared – at which time private practising vets are able to choose to involve their business.

  3. If I choose to assist with an EAD how do I make sure I’m covered?

    Call Guild Insurance on 1800 810 213 straight away and we’ll let you know if the particular EAD is covered under your policy.  We will assess if we will cover the declared EADR on a case-by-case basis.  We’ll talk you through what needs to happen.

    You’ll be issued a Certificate of Currency via email, which serves as proof you are covered.  Once you have your certificate you are able to assist knowing you’re covered.

    It’s important to note you’ll need to call us for your EADR cover to be activated and provide us with a current email address so we can send your Certificate of Currency.

  4. What will it cost me?

     Nothing, as long as your existing Insurance Policy is current with Guild Insurance. 

  5. How much will I be covered for?
    6.  
    • Public and Products Liability: $10million
    • Professional Indemnity: $10million
  6. Are my full or part-time employees covered as well?

    Yes, as your employees they are covered under your Veterinarian Business Insurance Policy.

    1. What about contractors who work for me?

      Contractors employed by your business full or part time, will need their own cover.  If the contractor has Guild Veterinarians Business insurance policy, they are covered. They still need to contact us to activate the EADR cover.

    2. What other insurance cover might I need to protect me while working on the EAD?

      Other insurance cover you may need to consider:

      1. If you are working as a contractor you may need to consider personal accident or workers compensation insurance in case you are injured whilst working on the EAD.

        2.  
      2. If you are required to drive around for your EAD work, and you use your personal vehicle, check whether your motor vehicle insurance policy covers you for business related work.

        3.  
    3. I’ll need proof of insurance cover for the EAD work. How do I get that?

      When you call us for your EADR cover to be activated and provide us with a current email address so we can send your Certificate of Currency.

    4. Do I have to notify Guild Insurance of my involvement in the EAD program?

      Yes absolutely.  You need to contact us for your cover to be activated and in order to receive your Certificate of Currency.

    5. Do I have to pay a higher premium to be covered for EAD work?

      No. If you have a Veterinary Business Policy your premiums will not be affected.

    6. Am I still covered for work I did during the EAD even though the EAD is finished and I have finished the EAD program work?

      7.  
      1. I’m retiring or ceasing practice after the EAD is finished.

        You will be eligible for run-off under the Retired Veterinarian Cover so you can let your policy run to the expiry and no further payment of premium is required.

      2. I’ll be continuing to work and will maintain my Veterinary Business Insurance cover with Guild as normal.

        You will continue to be covered for your past EAD program work.

      3. I’ll be continuing to work but don’t plan to continue my cover with Guild.

        4. You will need to consider purchasing a run-off policy from us for as long as you think you may be subject to a claim from the EAD program work you undertook.

If you are an employee vet we have outlined a few of the frequently asked questions below

  1. What is an Emergency Animal Disease (EAD)?

    An Emergency Animal Disease (EAD) is a disease that is likely to have significant effects on livestock – potentially resulting in livestock deaths, production loss, and in some cases, impacts on human health and the environment.  Private practising vets may be called upon and asked to help with an outbreak.

  2. As a vet can I get involved and help?

    Yes. The government may call on private practising vets to assist if an Emergency Animal Disease Response (EADR) is declared – at which time you are able to choose to be involved.

  3. If I choose to assist with an EAD how do I make sure I’m insured?

    Your employer will need to call Guild Insurance on 1800 810 213 straight away and we’ll let you know if the particular EAD is covered under their policy.  We will assess if we will cover the declared EADR on a case by case basis.  We’ll talk them through what needs to happen.

    Your employer will need to call us for your EADR cover to be activated.

    If we are covering the EAD then we’ll need to issue them with a Certificate of Currency.

    • We’ll send a certificate of currency to your employer by email. 
    • Your Certificate of Currency is proof you’re covered.
  4. What if I have been contracted on my own?

    5. If you have been called on to assist as an individual and not through your employer then you will need to take out your own veterinarian liabilities policy with EADR endorsement.

    1. How much will I be covered for?
      • Public and Products Liability: $10million
      • Professional Indemnity: $10million
    2. I don’t have my own Professional Indemnity insurance.  Do I need to pay for EAD insurance if I’m still working for my employer and my employer has a contract with the Government for EAD work?

      If your employer is contracting their business to the government for EAD services, their policy may provide liabilities cover for you. Please check with your employer.

    3. I’m a graduate veterinarian and have insurance cover under the master policy arrangement. Am I covered for EAD work under the master policy?

      No, you are not covered.  You would need to purchase an individual Veterinarian’s Professional Liability Policy and seek an extension of cover for the EAD work.

    4. I’m currently retired and have no insurance but I used to be with Guild. What insurance cover can cover me for EAD work?

      5. You will need to apply for a new Veterinarian’s Professional Liability insurance and seek an extension to the policy to cover the EAD work. We will issue you with a 12 month policy. If you cancel the policy once you no longer require it, the premium is not refunded in any way as the minimum period of insurance is 12 months.

Claims made easy

It’s why you’re insured after all, so we’ve made the claims process quick and easy for you.

“I praise Guild Insurance for developing a product to protect the veterinarian profession in emergency animal disease responses.”
Ron Glanville, BSc, BVSc, MVS
Biosecurity Advisory Service

Need more information?

We’re here to help you, so feel free to contact one of our Insurance Specialists on
1800 810 213.

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Alternatively you can call directly on 1800 810 213