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- What is not covered by my pet insurance policy?
- There are a number of situations in which your pet will not be covered by a pet insurance policy.
- If I don't make any claims on my pet insurance policy will I get a discount?
- There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
- What do I do when my pet dies?
- You are covered if your pet dies from accident or illness – although you are not covered if your pet dies from old age.
- Why insure your horse?
- After your home and car, a horse will probably be the most expensive purchase you'll ever make – that's why it makes good sense to protect your investment.
- Can I insure my horse for more than the Market Value?
- You can't normally insure your horse for more than its market value.
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.