10 SECTION 5 HOLIDAY CANCELLATION (ACCIDENT AND ILLNESS ONLY PLUS COVERAGE) 5.1 Coverage We will pay up to the benefit limit, as set out in your schedule, reasonable travel and accommodation expenses incurred if you need to cancel or interrupt your holiday because your pet requires immediate surgery while you are away or up to 14 days before your departure. You must provide us with receipts at your expense indicating the dates and costs you had to pay to the tour operator, tour operator or similar party as a result of cancelling or shortening your holiday. The total limit of the benefits we pay for trip cancellation protection is the benefit limit indicated in your schedule. These are subject to a maximum of 25 pence per mile for travel expenses and 75 pence per night for accommodation costs. 5.2 Exclusions Excluded from this coverage period are: All holiday expenses if the holiday was booked less than 28 days before your departure; The amount you can claim from anywhere; Any additional charges incurred as a result of your late notification to the company providing your transportation and accommodation that you had to cancel; All costs for other people who are on vacation with you; All costs due to surgeries for conditions that do not save lives. SECTION 6 CIVIL LIABILITY (DOGS ONLY) 6.1 Coverage If property is accidentally damaged or if someone is accidentally killed or injured accidentally or becomes ill as a result of an incident that occurred during the insurance period in a Member State or a State of the European Union in which your dog is involved and for which you are legally responsible. We will indemnify you in respect of: the claimant`s indemnification and costs and expenses; Legal fees and expenses incurred with our written consent to defend any claim brought against you under this section. The maximum amount we pay for liability to third parties is set out in your schedule in respect of an event or event in a series arising out of or attributable to an original cause or source. If the visit outside of opening hours was not absolutely necessary, we only cover the normal consultation fee.