My insurance company said they will do a direct claim but my vet won’t?
Any insurance company will do a direct claim with the vet but this does NOT mean liability of the claim. The insurance company may still decline the claim, then you would then have a bill to pay that you can’t afford.
Why do I have to keep on signing claim forms?
Each time we submit an invoice, we must have a signed claim form. The signed claim form gives your consent for the vets to process the invoice and also the insurance company to accept the claim. We can send off as many claim forms as needed – there is no charge for this.
When can we do a direct claim?
Abbey Vets insurance protocol is:
*treatment amounts over £200 that have been approved by our insurance administrator
*Pre-authorisation claim has been approved
*In an emergency, we can contact the insurance company and check the policy is valid
Why do I keep having to pay part of the claim. I pay enough to the insurance company!?
Unfortunately, any insurance deductions must be paid within 30 days of notification. Most insurance companies deduct an excess per claim. For ongoing/continuation claims, an excess will be deducted each policy year.
Once your pet reaches a certain age, the insurance company may request a % of treatment as a co-payment. This means any treatment claimed for the insurance will deduct 10 or 30% (or what amount is on your policy) that you will need to pay.
Any insurance deduction is nothing to do with Abbey Vets, as we are only acting on your behalf, so deductions need to be paid by yourself.
My insurance is so expensive, I want to change companies!
We advise when changing insurance providers to be cautious. If your pet suffers from an ongoing problem, the new insurer will class this as pre-existing and not be covered.
If treatment occurred years ago, such as a mass removal, the new insurer may place an exclusion on your policy for that type of mass or masses in general. Providing your new insurer with the full clinical history at the start of the policy can ensure no exclusions are put on the policy, make sure you are aware of that before continuing with your new insurance.
A change in policy is your decision and we cannot accept liability for any policy outcomes.
How long will it take to get my money back?
Unfortunately, there is no set time. We process claims here at Abbey Vets 3 times a week so we process claims as quickly as possible. Once the claim has been sent, the process with each insurance company differs quite a lot, some can take 7-10 days, others take 4-6 weeks.
Will my insurance cover for a dental?
Dental cover completely depends on your policy. Most will companies will cover for trauma/injury to the mouth/teeth. Gingivitis (bleeding around the gums) may be covered but most insurers require your pet to have an annual vet check. This proves that the dog’s teeth were healthy before the insurance started. This is normally done when your pet has had a booster vaccination. Please ensure to follow veterinary advice as, if you were advised to have a dental in 2015 but only book in 2 years later, they may not cover.
Please check your policy documents. If you think you may be covered, we would advise a pre-authorisation claim to be processed, to ensure a direct claim.