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Blackburn:  01254 681811

Darwen:      01254 777005

Pet Insurance

£10 charge per claim for direct claims

£25 one off charge for lifetime claims

No charge for claims payable to clients or if you are part of the PHC

For clients who already have ongoing lifetime claims they will not be charged only NEW claims will be subject to charges as above)

 

We offer Petplan 4 weeks FREE insurance for dogs, cats and rabbits 6 weeks to 1 year of age. Simply fill in a form at reception, there is no obligation to stay with Petplan but they will contact you with a quote for you to extend your insurance cover.

 

We treat insured and non-insured clients the same but we do recommend insurance to all our clients. We understand costs can become a factor and veterinary treatments are becoming more advanced with specialist referral centres in our area and insurance can take the pressure off providing these services.

 

We prefer clients to pay us directly for treatment and then process the claim on your behalf. We do not charge for any claims done payable to yourself. We are willing to do direct claims for treatment that exceed £200. The direct claim has to be authorised by our insurance administrator before treatment commences.

 

We do have a £10 admin charge for each condition when processing a direct claim.

 

If your pet has a lifelong condition that will need repeat medication, we will charge a one off £25 admin charge for claims paid direct to us. This will then allow continuation claims to be processed for as long as the medication is needed.

 

Please note that the Pet Health Club members get free direct claims as part of the plan.

 

When a direct claim is authorised an excess must be paid at time of treatment if this is unknown we will ask for £100. Any insurance deductions must be paid in full within 30 days from notification.

 

We act on your behalf providing your insurance company with an invoice, full clinical history and claim form, any deductions made are between you and your insurer. Each insurance company provide a range of policies and its impossible for us to know your policy exactly so you must contact your insurance directly should any query arise.

 

 

INSURANCE FAQ

 

 

•My insurance company said they will do a direct claim but my vet wont?

Any insurance company will do a direct claim with the vet but this does NOT mean liablitly of the claim. The insurance company may still decline the claim then you would then have a bill to pay that you cant 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 with in 30days 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 a 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 but if any are you are aware of that before continuing with your new insurance.

A change in policy is your decision and we can not 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 compnaies 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 dogs teeth were healthy before the insurance started. This is normally done at when your pet has had a booster vaccination. Please ensure to follow veterinary advise 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.

 

 

Why Abbeydale Vets recommend Petplan® insurance.

 

Not all pet insurance is the same, and with the range of treatment available rapidly increasing, it’s essential to choose the right insurance. You can then afford the very best treatment if the worst should happen.

 

That’s why we recommend Petplan®, the UK’s No.1 pet insurer with over 40 years’ experience in keeping pets healthy and happy.

 

These are some reasons why 9 out of 10 vets like us promote Petplan®:

  • Their expert vet support team works with us to quickly assess any claim.

  • They can pay us directly, so you often don’t have to pay upfront or fill in claim forms.

  • They won’t put up your premium just because you make a claim.

  • Unlike many insurers, they also cover dental illnesses and injuries.

  • And if you’re worried that your pet might develop a long-term condition, their Covered For Life® policy gives you extra peace of mind knowing you’re covered, so long as you renew each year without a break in cover.

 

It’s easy to get the protection your pet deserves.

To receive 4 weeks’ free Petplan® insurance visit us in practice or activate online today!

 

We pride ourselves on giving you the very best advice to help you care for your pet. Petplan® will also give you a 10% discount when you buy online.

 

Petplan is a trading name of Pet Plan Limited (Registered in England No. 1282939) and Allianz Insurance plc (Registered in England No. 84638), Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Pet Plan Limited is authorised and regulated by the Financial Conduct Authority.  Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Independent Vetcare Limited are an Appointed Representative of Pet Plan Limited. Independent Vetcare Limited is not part of the Allianz (UK) Group

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