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- What are the principles of pet insurance?
- Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
- How does Third Party Liability work?
- Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.
- Is my horse too old or too young to insure?
- All companies differ with regard to the age of horses and ponies they will insure – so the only way to find out is to speak to each one individually.
- Do I need to get the insurance company's agreement before my horse is destroyed?
- There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.
- What if my horse dies under anaesthesia?
- Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.
Do I pay the vet and you reimburse me, or can payment be made to the vet directly?
Before your allow your pet to be treated, you must ensure that the vet is prepared to complete the relevant sections of the insurance claim form and provide invoices.
Then to claim, you will complete your section of the claim form and then ask your vet to complete their part. You will then send the claim form to your pet insurance company, together with the invoices setting out the costs involved.
Most insurers are happy to make claim payments directly to your vet, provided that you check with your vet first that they may do this. You can advise us who should receive the claim payment on the claim form. If you are asking your insurance company to pay your veterinary practice directly, you should make your excess payment to the practice, not to your insurer.
If you are aware of some expensive veterinary treatment coming up and you are unsure about whether you are covered for some or all of the cost of treatment, then you and your vet can send your insurer a completed pre-authorisation claim form before veterinary treatment starts.