For years, we’ve been saying to each other within the veterinary industry that the steady inflation of veterinary prices and especially the steady inflation of referral practice prices is just not sustainable. It has been obvious that it would lead to more and more clients not being able to afford their escalating insurance premiums, or to the insurers having to place caps on their liabilities and cover, to the detriment of pets and their owners. We’ve seen both of these occurring year on year.
The RSA insurance group which underwrites More Than, Marks and Spencer and John Lewis insurance policies has led the way with a strategy to address this looming problem. They have put together a group of referral practices, their “preferred providers” that includes specialists and advanced practitioners covering a range of veterinary disciplines across the country. These allow pet owners to get a quality referral service, while keeping a limit on ongoing costs for the insurer. The aim of the RSA network is to provide a quality service that will be sustainable and so will be there for the generations to come.
We are proud to be one of the RSA preferred providers, as well as working with all of the other insurers that provide pet healthcare in the UK.
We make no administration charges for submitting or assisting in the submission of insurance claims. We are pleased to assist clients and to submit direct claims to insurers, for sums over £300, to save our clients from potential cash-flow issues. We do however ask that the client pays us the insurance “excess” (the fee, usually in the region of £70-£100, that their insurance policy states as being deductible from any claim), and any percentage that their particular policy might state is deductible from the claim. We ask that these payments are made at the time of treatment. The client doesn’t need to pay the insurance “excess” to us if the excess has already been deducted by the insurer for this claim (ie if the insurer has already received and fully processed at least one claim form relating to the condition / claim in question). For sums under £300, we reserve the right to ask for payment at the time, but we will still be pleased to help with the prompt submission of a claim form to allow the client to be remunerated by their insurer as soon as possible.
It is our intention to submit claim forms within just a day or two of receiving them. We can now submit many claims on line which saves postage time, and many insurers now manage a claim “turn around time” that is a few weeks at most.
If you want to make an insurance claim, please bring a claim form with you on the day if possible. These can usually be sourced on line from your insurers web site, and printed off. Please complete the part of the form which is for you to fill in with your personal details, policy number etc etc.