Vetsure Pet Insurance
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Insurance Claims

Direct Insurance Claims and Paying Your Excess

When a Direct Claim is processed the excess is payable by yourself. This excess is documented on your policy documents and payment for this is required at the time of a claim being submitted.

All insurance companies except Vetsure will charge an excess for each policy year that an ongoing treatment is claimed for.

Examples:

1)

Policy Excess is                                    £105.00

Renewal date of policy is                    15th December 2016

Claimable treatment is                       1st December 2016 – 10th January 2017

In this case an excess of £105.00 will be taken for the treatment between 1st and 14th December 2016 and an excess of £105.00 will be taken for the treatment after the 15th December 2016. Therefore you would pay £210.00.

2)

Policy Excess is                                    £105.00

Renewal date of policy is                    15th December 2016

Claimable treatment is                       17th December 2016-15th January 2017

In this case only one excess of £105.00 will be taken for the treatment. Therefore you would pay £105.00

3)

Policy Excess is                                    £105.00

Renewal date of policy is                    15th December 2016

Claimable treatment is                       17th December 2016-  on-going for the rest of the pet’s life

In this case only one excess of £105.00 will be taken for the treatment until 15th December 2017. Therefore you would pay £105.00 in December 2018 and £105 in December 2019 and so on.

4)

Policy Excess is                                    £105.00

Renewal date of policy is                    15th December 2016

Claimable treatment is                       1st December 2016-    on-going for the rest of the pet’s life

In this case only an excess of £105.00 will be taken for the treatment until between 1st and 14th December and £105 excess will be taken for treatment after the 15th December 2016. Therefore you would pay £210.00 in December 2016 and £105 in December 2017 and so on.

*please note the above figures and dates are examples and your actual excess is detailed on your policy

Please also note: Sometimes a claim is submitted at the same time for two unrelated conditions, for example a skin lump and a cough. In this case two policy excesses would be payable according to the above examples.

Some companies require the claim to be submitted within a certain time frame of the start of treatment, please check your policy. Claims are assessed based on treatment dates not submission dates.

With older animals (usually dogs over 8 and cats over 10) and with some select insurance companies an additional percentage of the claimable treatment is also payable by you. This is dependent on your individual policy and so we recommend that you check your policy wording. This, and items not covered, will be invoiced to you on settlement of the claim.

If you have any queries regarding your claim, please contact your insurance company in the first instance, the Practice does not have permission to discuss claims with individual companies unless you request this. For any further queries regarding your pet’s claim please speak to Cathy, Judith or Anne who will be happy to help. 

 

Your Pet Insurance is a contract between you and your Insurance Company and you will be liable for any items not covered by your policy, check your policy wording carefully.