Do you have Pet Insurance?
Please read our guidance below for claiming from your pet insurance. Champion Vets recommend that all pets should have pet insurance but please choose a company carefully, a policy to suit your pet and your budget, and read the small print!
Champion Vets are now pleased to offer our own pet insurance called MiPet Insurance and we believe this to be the most comprehensive and bast value insurance available. Please ask our staff for details, who are all fully-trained to offer this insurance.
Please be aware however that no insurance company will cover or pay out on a condition that was existing prior to you taking out a policy (a pre-existing condition) - and this remains at the discretion of the insurance company.
Direct insurance claims (when work is undertaken by us and paid directly to us by the insurance company) will only be considered if there is a pre-authorisation from your insurers or proof that your insurers have already made payment for the current condition and there is sufficient level of cover for the treatment planned. This is because there is a serious financial risk to us should the insurance company fail to pay out.
If we agree to a direct claim, we will request that your excess is paid to us at the time of treatment. Please bring your insurance documentation to confirm your level of cover and excess. Also please bring two completed insurance forms when you attend your appointment.
If there is no pre-authorisation in place or claim forms are not provided, then we will ask you to pay in full for your pet's treatment at the time.
It is the responsibility of the insured to complete the relevent sections of the insurance forms before they are handed in - we can help you with that. Claim forms that are not complete cannot be submitted and will be returned for completion.
Insurance claim forms can take up to 7 working days to process - most forms are now completed by us online and sent within a few days.
Please note the following carefully:
The completion of insurance forms is often a time-consuming and complicated task. In most circumstances our staff provide this service free of charge to you. However we reserve the right to make a charge should the claim be excessively complicated and drawn-out, or due to mistakes on the owner's or insurance campany's part.
Insurance companies now usually request a full clinical history for your pet, both from ourselves and from any previous vet. Champion Vets will not take responsibility for any claims not being settled due to anything written in the clinical history by our staff, such as mention of a condition related to the current condition prior to your insurance starting. Champion Vets policy is primarily to safeguard the welfare of your pet and our staff reserve the right to write any relevent clinical notes on your pet's record at the time of examination, without concern for any future insurance claims.
Although Champion Vets will endeavour to complete your insurance form as quickly as possible, please be aware that some insurance companies can take several weeks to process your claim. If you claim has not been settled within three weeks, please call us and we will confirm that your claim has been sent and is with the insurance company.
We are happy to contact the insurance company on your behalf in most cases should there be a complication with your claim and provide any information that might be missing to complete the claim.