Pet Insurance

Choosing Pet Insurance

Not all pet insurance is the same, so it is important to choose your policy wisely.

Different types of policy provide varied levels of cover for your pet. The three main types of policy are:

There are other things you should consider before deciding on a particular insurance policy, not least of which is the reputation of the company. Whilst we cannot provide guidance on any particular company, we advise researching the company first; an internet search will show you what other customers say about a particular insurance company, and this is a useful indication of the level of service you can expect from them. The internet is also a great tool for comparing benefit levels and excesses.

Remember – no insurance company will provide cover for pre-existing conditions, and if you take out a policy with one company and decide to switch to another at a later date, you will not be able to get cover for any illness your pet may have had. Therefore, it is worth taking the time to research pet insurance to ensure you make the right decision from the outset.

Submitting an Insurance Claim

We strongly support the principle of insuring your pet against unexpected illness or accidents. However, if your animal in insured, it remains your responsibility to settle our account and then claim the fees from your insurance company.

If you need to make a claim on your insurance policy, you will need to request a claim form from your insurance company. Once you have your claim form, there will be a section for you to complete and a section to be completed and signed by ourselves. Please follow this procedure:

  1. The name of each illness or injury for which you would like to claim must be filled in before submitting to the practice for completion.
  2. An A5 stamped addressed envelope can be included, to allow us to return the form to yourself to be checked and signed before forwarding to the insurance company, or we can telephone you on completion of the form so that you can collect it from the surgery.
  3. The claim form must not be signed by the policy holder until all of the veterinary sections have been completed by ourselves.
  4. Please don’t fill in any sections that are meant to be completed by the veterinary practice (usually the second page of insurance claim form).
  5. An administration charge of £5.00 plus VAT will be charged for the completion of the insurance claim form. This fee is payable at the time of our receipt of the claim form and usually cannot be included in the costs being claimed. Some insurance companies do however cover this fee. If you wish us to include this charge in your claim, please put a note in with the claim form before the claim is completed.
  6. We complete submitted forms as quickly as we are able, but please allow 1 week for this to be completed.
  7. Please collect completed insurance claims forms from our Penwortham surgery, weekdays 9am-7pm or Saturdays 9.30am-12.30; our Longton branch weekdays 9-12am or Saturdays 9-9.30am; or from our Wesham branch weekdays 9.30am-1pm or 4-6pm, or Saturdays 9.30-10.30am (please let us know which branch you wish to collect your form from).

We would always advise that you familiarise yourself with the ‘small print’ of your insurance policy to avoid disappointment; some policies are more restrictive than others, most specify the maximum length of time you have from time of illness/injury to submitting a claim, and many have certain conditions that need to be fulfilled, e.g. keeping the pet’s vaccines current, in order to make a successful claim.