Pet Insurance Policy
Indirect Claims
Claims that are reimbursed directly to you (The Clients)
What we need from you to make a claim:
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Full payment of invoices for any treatment to include medication, surgery and food at the time of consult or at discharge on the day of procedure.
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A claim form that has been signed by the policy holder and all relevant sections of the form to have been filled out by them
- if unsure please speak to a member of staff. -
A claim form for each condition to be claimed for.
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Some insurers will ask that claim forms are completed online, this simplifies what we need from you greatly.
Please note that the insurance process can vary between insurers. -
For any claim submitted to your insurance company (either via form or online link) we require you to have started the process by informing your insurer at your earliest convenience of intent to make a claim. You will be required to complete and sign any forms prior to submission of the claim.
Our Role:
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Once we have received your form/ link our designated Insurance Administrative Team will fill in and get the form signed by either a vet or authorised person.
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We will aim to have the form sent promptly to your insurer either electronically or by email.
This will only be done on the proviso your account balance is settled in full AND a signed and completed form has been handed in. -
We will attach any invoicing and clinical history required- to include blood results, imaging etc.
Direct Claims:
Paid directly from your insurance company to us (The Vets) directly.
Please see list below of companies we currently work with directly-
Please note that this list does change frequently and is not exhaustive-
Always check with the clinic to see if we are able to process direct claims with your insurance provider.
Please see below a list of companies we provide this service for;
- Agria
- Admiral
- Animal Friends
- Argos
- Direct Line
- Healthy Pets
- John Lewis
- Kennel Club
- LV Insurance
- More Than
- M&S
- PDSA
- Pet Plan
- Pet Protect
- Tesco
-The Insurance Emporium
- Sainsbury's
What we Need from you to make a claim:
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An administration fee for the processing of the initial claim for (per condition and per policy year) is added to the excess you need to pay.
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A signed claim form completed by the policy holder to include all relevant sections filled in AND stating that payment is to be made to us.
-This should be completed at the time of treatment or within 3 working days. -
A completed form or link generated for each condition you are looking to be claimed for.
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Any non insured medication, treatment etc paid at the time of consult or discharge.
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We do require (again at initial registration, time of consult or at the very latest, discharge) the covering letter (policy schedule) – this must include:
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Policy Limit
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Excess Amount
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Co payment Amount
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Start Date of Policy
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Exclusions that may exist.
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When your policy renews it is your responsibility to ensure that the updated certificate is provided to us to amend our files.
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We Require you to initiate the claim by informing your insurers in advance (if possible) of your intention to make a claim, generate a link and/or provide us with a signed claim form.
What We Will Do:
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Complete the claim form(s) in a timely manner and have it signed by vet or authorised member of staff.
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Send it promptly via email, VetEnvoy or Insurers generated Link.
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Attach any full or relevant history and invoicing along with each condition claimed to include any other information requested by insurer: eg- blood, lab results, x-rays etc.
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We will contact you within 4-6 weeks if we have received no payment from your insurer (from date sent) to ask you to query this delay with your insurance provided.
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Please be aware- If your insurer declines to settle the claim, it is YOUR responsibility to settle the account in full within 14 days.
We offer our clients a direct claim option that is a contract between us (The vets) and you (The Client), not your insurer.
Any issues/disputes regarding claim outcomes will remain you (the policyholder's) responsibility. We will endeavour to assist any queries your insurance company may have but we are not required to investigate in your behalf.
Most Insurance Companies will only speak to policy holder unless authorisation for the vets to speak on their behalf is given.
Policy Excess:
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This is a payment made by you regardless of direct or self-claim being made.
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This excess is expected per condition and per policy year.
- it is important to note that depending on when date of condition starts and when your policy renews you may have 2 excesses for this condition close together. -
If this is a condition that is life long then an excess and admin fee will be taken every time your policy renews.
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Some insurance polices have a co-pay/percentage excess that clients are required to pay in addition to excess and for every claim made.