Dog Insurance Claim - How to Make a Claim & Insurance Fees Explained

Dog Insurance Claim

Things do not have to be difficult and messy when you make a dog insurance claim. The insurers have done a lot to simplify the process. You will certainly have no problems with the filling out of the form and with its submission provided that you follow some basic rules. Additionally, you have to have an idea of what percentage of the total treatment cost the company will cover and how much you will have to pay out of your pocket towards the treatment of your pet.

Making a Dog Insurance Claim

This guide will take you through the steps of making a claim for veterinary fees since this is the most commonly used cover. Requesting reimbursement for boarding fees or holiday cancellation is similar. You can readily follow the same procedure without the specifics for veterinary billing.

Here is the procedure to follow:

Obtain a dog insurance claim form - You can visit the local office of the insurer and get a paper form from there. The easier and simpler option is to download the form from their official website. Nowadays, most companies provide electronic forms. Fill out the dog insurance claim form - You will have to enter your policy number, your name and address and contact details. You will have to provide general information about your pet as well such as its name, age and the number of its microchip. You will need to describe your dog's illness or injury which you are making the claim for as well. If you have difficulties with this section you should request information from your vet. Choose whether to have the payment made to your vet or to you - Most companies allow you to pick any option freely. You should ask your vet if they agree to get paid directly by the insurer. Usually, the payment will be processed no sooner than seven working days after the submission of the dog insurance claim, if it is accepted. Another important thing to consider is that the insurer will pay the claimed amount minus the excess. It is your responsibility to pay this fee to the company so that the entire treatment cost can be paid out to the vet. In many cases, the excess is automatically deducted from the reimbursement sum so you will have to pay it to the vet directly. Ask your vet to complete the sections of the dog insurance claim form designed especially for them - They will have to provide professional information about your pet's illness/injury and the cost of treatment. Keep in mind that the form will be complete only if your vet signs it. Enclose all veterinary treatment invoices to support the claim - This can be done by your vet as well. Send the dog insurance claim to the insurer - You can do this either by mail or by fax. In any case, you must keep a copy of the original form and a copy of the invoice with you.

When to Make a Dog Insurance Claim

You can make a claim as soon as the vet has recommended a treatment and has charged you for it. In general, there is a time period within which you can request reimbursement. It is usually 1 year after your pet has been treated. Keep in mind that some insurers have shorter periods like six months.

In general, it is best to make a dog insurance claim right away. If your pet requires long-term treatment, you should be able to submit details directly to the insurer in the form on notes. You will not have to make another claim. For specific details, you should check with the company which you have got a policy from.

Dog Insurance Fees

The price of the insurance policy is the premium which you will have to pay annually or in the form of monthly instalments. Every time you make a dog insurance claim, you will have to pay an excess fee. This is virtually your contribution to the cost which the insurer will cover.

The excess fees are usually set individually for each pet. They are determined on the basis of its age, breed and overall health. Your location is also taken into consideration. This is because the different parts of the country have varying average vet fees. Similarly, in some places dogs are at greater risk of certain diseases and injuries than in others.

The excess fee which you will have to pay if you make a dog insurance claim is usually fixed. The insurer will calculate it based on the above factors and will set a precise sum. This sum will be outlined on your policy certificate. It is possible that the company does not charge a fixed fee, but a percentage of the claimed amount of money. Sometimes, a fixed excess plus a variable contribution fee can be charged.

The different types of covers included in your policy will come with different excess fees. Usually, the third party liability fee is the largest as the maximum amount of coverage is quite big.

Now you can make a puppy dog insurance claim and calculate how much you will have to pay out of your pocket in the form of excess.