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15 Clerkenwell Road, EC1M 5PA 0207 017 8950

Insurance

Pet insurance is designed to pay for treatment if your pet falls medically ill or has an accident. It will not pay for the routine care of your pet such as vaccinations, neutering or worming treatments. You pay a monthly premium and a proportion of the cost of each claim depending on your policy.

Please see our information leaflets for further information...

Click here to download the Insurance Advice Leaflet (PDF)

Click here to download the Insurance Recommendation Leaflet (PDF)

 

 

 

Insurance Advice Leaflet

What is pet insurance and how does it work?

Pet insurance is designed to pay for treatment if your pet falls medically ill or has an accident. It will not pay for the routine care of your pet such as vaccinations, neutering or worming treatments. You pay a monthly premium and a proportion of the cost of each claim depending on your policy.

What items are claimable?

Most policies cover treatment for consultations, hospitalisation, surgery, medications, fluid therapy, imaging and diagnostic procedures. Some do place restrictions on the maximum they will pay for certain costs (such as consultations or hospitalisation).

What conditions are NOT covered?
Any condition that is pre-existing or that could be prevented by vaccination where protection has lapsed. A pre-existing condition is one that existed or where symptoms were identified prior to the start of your current policy. When we submit a claim your insurance company will ask for a full history from us and/or from any previous vets your pet has attended to enable them to review your pets medical history. You should take care to avoid changing insurance companies if you have claimed for any conditions, because the new company is very likely to exclude these, leaving you without cover for those conditions. Please ring and speak to us for advice if you are thinking of changing your pet insurance company.

What is a Referral and is it covered?

A referral is the process of seeking specialist advice or surgery from someone other than the primary vet. Generally, Pet Insurance companies will cover this type of specialist treatment but they request that you inform them prior to seeking a referral.

What level of cover do I need?

We strongly recommend that you take out a ‘Covered for Life’ type policy which are generally more expensive than a ‘Time Limited’ type policy. Low cost ‘time limited’ policies offer a low level of cover and place a restriction on the amount you can claim either by time (each condition is only covered for one year and excluded thereafter) or by value (each condition is only covered up to a certain limit then excluded). Covered for Life policies refresh the amount of cover you get each year regardless of your previous claims so the amount your pet is covered for is reinstated at the policy renewal date.

How do I make a claim?

In order to make a claim, you need to fill out an Insurance claim form in the section marked ‘policyholder’ with some basic details about you and when you first noticed your pet’s illness, then sign as indicated. You then bring the partially completed form to us where we will add the clinical details and sign the form. We then post it to your insurer, on your behalf, along with all supporting evidence (clinical records and receipts).

Getting ‘pre-authorisation’

If your pet needs expensive treatment you may want to know in advance if a problem is covered. This is called pre-authorisation. The insurance company will ‘assess’ the specific claim before treatment is carried out and advise you whether they think it is claimable giving you peace of mind that your vet’s bill will be covered.

Direct Claims

The normal process is that you settle your veterinary bill and the insurer will pay you back when they have processed your claim. In some circumstances where clients are unable to pay the vets fees due to financial hardship and subject to approval by the practice, we will agree to submit a direct claim where the insurance company pays the vet directly. In this case, an administration fee applies. Direct claims can only be arranged before your pet is due to be discharged.

 

RECOMMENDATIONS FOR THE BEST PET INSURANCE COVER

We have extensive experience of dealing with Pet Insurance companies and have the following recommendations to ensure that you get the correct and most useful cover.

  1. Always choose a ‘COVER FOR LIFE’ Policy.
  2. Ensure the vets fees cover is for at least £7,000 per year.
  3. Ensure there is no % co-payment contribution required from the policyholder.
  4. Check how long the claims department take to pay your claims.
  5. Take out Pet Insurance with a well known company such as Pet Plan.
  6. Use Direct Debit from a bank account to cover the monthly payments rather than from a credit card – If the card is lost or replaced the policy can be cancelled.