We strongly support the principal of insuring your pet against unexpected illness or accidents.
Subject to satisfactory insurance with a CVS approved insurer, along with a written pre-authorisation consent from the insurance company, the practice can, at the client’s request, submit a claim directly to the insurer. A pre-authorisation form is available from most insurers and is not the same as the terms and conditions document for your pet’s policy. It is a separate document that is specific to each individual treatment your pet requires. The insurer generally will require an estimate from the practice, which we will happily supply for you.
If a pre-authorisation is not available, for whatever reason, the practice will not process a direct claim and will require payment of the full amount for all services and products at the time of treatment.
Where a direct claim is made, the client must pay the excess and any excluded amounts at the time of the treatment or upon demand, and in the event that a claim is refused by the insurers, will remain liable for our fees.
In the event that an insurer fails to acknowledge our claim or respond to communications from us within 45 days, we will treat this a refused claim and seek to recover the costs directly from yourself. You may, of course, seek to recover these costs directly from your insurer should this occur.
The practice does not make any charge for this service.
You must advise us prior to the commencement of any treatment, whether your pet is insured or not and if you wish to make a direct claim. As stated above, this will only be permitted if the insurer is approved by ourselves and that we have a written pre-authorisation from the insurer, stating what and how much they will cover. You will also be asked to complete an insurance declaration form for us. This is available from the practice.
If you do not advise us in advance that you wish to make a direct claim and have a pre-authorisation available, you will be liable to pay our fees as they become due at the time of treatment. You may then seek to recoup the cost from your insurer yourself.
