Pet insurance can be difficult to understand, especially when the only time you’ll need it is when you’re worrying about your pet being ill.
All insurance policies are different and we encourage owners to check their policy documents to be aware of what cover they have.
Here are some questions we get asked frequently:
When Should I Claim?
If your pet has required vet treatment (eg. a charged consultation or out of hours visit, x-rays, a non routine operation, blood tests etc) or has been dispensed medication, you should consider making a claim.
If the amount involved is related to a single condition and is above your excess amount, then it is worth submitting a claim.
Should I Wait until the Treatment is Complete, Before Submitting a Claim?
This is up to you as the policy holder.
You can submit a claim for initial treatment; if more treatment is required after this then you can submit a ‘continuation’ claim for the same condition.
You will only be charged a fixed excess on each condition in each policy year and there is no penalty for submitting multiple continuation claims.
My Pet Requires Medication Every Month – How Do I Claim?
You can either submit a claim after collecting the medication each month or you can wait and submit a claim after a few months. It is entirely up to you as the policy holder which option you choose.
Here at Heathfield vets, we do not charge a fee for processing insurance claims being paid back to the policy holder and you can submit a claim online easily.
Will My Premiums Go Up If I Make a Claim?
This depends on your insurer, some companies do pledge that there is no penalty for using your insurance.
Our general advice is that your insurance premiums will most likely increase each year as your pet ages anyway, particularly after the age of 8, so it is worth claiming and making the most of your policy.
If you have questions about your pet insurance and making a claim, please call us on 01435 864422 and speak to a member of our team.
