CockersOnline Forum
Cocker Specific Discussion => Health => Insurance => Topic started by: paulie on June 07, 2007, 12:46:15 PM
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Hi all
Need to think about insurance for new babe Chester.
Petplan put me off as took ages to get through on a NOT FREE line and to India
Anyone know anything about ois Sainsburys is good or Marks and spencer
It seems most you have to pay excess of £50 seems a lot when most trreatments are under that in my experiance only when the big oine hits you which did happen to us.
When got our lLittle Bitcon CHester Babe we had Kennel club insurance free for awhile they have rung with Crufts poliicy details anyone use them? eeekkk its a minefield ........ :D
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I have M&S for Kali. Although I got my money back it did take a really long time which was slightly annoying and I found them rude on the phone. I know others on here have nothing but praise for M&S but I can only tell what I experienced :blink:
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I use M&S for insurance for Alfie and Pet Plan for Robbie and I prefer M&S. Can't move Robbie to M&S (long story but won't go into it).
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There are so many variations, that the first thing to do is to decide what you want your insurance to provide; not all policies are the same; some only cover conditions for 12 months, others have a capped amount per condition or per year :-\
Some policies offer lower/no excess, and others exclude some treatments such as dental work, or behavioural referrals.
Some include kennelling fee's in an emergency, or holiday cancellation costs ,for instance :-\
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Was with M&S but they nearly doubled my premium and increased my excess at renewal despite not having made a claim.
Changed to Healthypets www.healthy-pets.co.uk who were far more competitive very quick to issue documentation.
Quite ironic that it is actually the same Insurer !
Check the small print though.
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We have M&S for both of ours. Premiums have just increased a bit - we have an excess of £70 (or when the dog is over 9 years old 15% of the treatment cost). I am not really bothered about the excess, I took out the insurance in case of major accidents/illness where it might cost thousands as I knew I would never forgive myself if my dogs didn't get the best treatment they could.
We did claim for Woofie last Christmas and it took two months. Two letters went "missing" in the process which I didn't find re-assuring but the staff have always been quite helpful and polite on the phone.
I did think about changing but think that the benefits M&S offer outweigh the problems I have experienced. (And as Woofie has been at the Vets so often he probably wouldn't be covered for a lot of things at another insurers).
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Hi,
Sorry to hijack your post. ;) I just looked at M&S and got a quote. WIth £110 excess it was £385, and with no excess it was £440. They didn't give a monthly premium but it would be £32 for the cheapest, and £36 per month. Seems rather a lot :o It's not that I'm not planning on insurance, but was hoping that it would be nearer the £15-£20 per month. Any thoughts?
-x-
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Be very careful with "cheap" insurance. The old addage 'you get what you pay for' is very true and as I have found out, it can be a very painful and costly mistake.
Under no circumstances use Tesco pet insurance; they are a total nightmare and wriggle out of everything.
I have spent a lot of time talking to vets about insurance and they all agreed that PetPlan were by far and away the best. They are expensive, but everyone I've ever spoken to who uses them has had good results (including my friend who has successfully claimed over £10,000 back for two separate accidents her two horses had).
I know Indian call centres are the bane of our lives, but I sorted out insurance with PetPlan over the internet for two of my three (Parker's uninsurable now ::))
Anyway, just my humble view!! :shades:
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Hi Carys
I did several online quotes yesterday - M & S, Animal for Friends, Tesco, Petplan and a few more, but I forget the names now. The cheapest was £13.85 from Tesco, and the highest was M & S at £32 (per month). However, you have to compare like for like: The £13.85 from Tesco online covered £2,000 per condition, per year. The others all covered up to £4,000 per condition, per year. They also included lots of other items like kennelling if owner is hospitalised unexpectedly, £1,000 on death of pet (may God forbid) and such like, whereas Tesco did not.
I agree, it is a bit of a minefield, but it's just a case of setting aside a few hours with pen and paper to compare all and come out with the one you feel most comfortable opting for. There's always a middle road there somewhere!
I liked the Animal for Friends one - the site professed to be non profit making, had lots of good advice on taking care with insurance cover - and laid everything out simply. Just good website design I suppose, but it all adds up.
The only plus, if it applies to you, was that Tesco was offering discount if you have any other pets. I have a cat insurred already with Tesco, but that didn't persuade me because they weren't offering as much cover as the others, which I think I will need with a dog. Well, I hope not, but you get my drift?!
Good luck with whatever you decide upon!
Potter
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Hi,
Sorry to hijack your post. ;) I just looked at M&S and got a quote. WIth £110 excess it was £385, and with no excess it was £440. They didn't give a monthly premium but it would be £32 for the cheapest, and £36 per month. Seems rather a lot :o It's not that I'm not planning on insurance, but was hoping that it would be nearer the £15-£20 per month. Any thoughts?
-x-
Our monthly pet insurance with M&S pet insurance with £70 excess has just gone up from approx £9 to £10 for Maddie and £11 to £18 for Woofie.
I was curious so I typed Maddies details in M&S for a new quote and with £50 excess it was £180 per year.
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Thnks to everyone I am going to look at the Animal for friends Site sounds good!!
and the Healthy Pets have so far E Mailed me straight away and seem on the ball.
decided no no to Pet Plan and from what I see M& S seem good but dead slow.
think getting the car insuared is easier, I rang the vets and she said they are not allowed to say but said some people but the premiium into a saving account and do it that way but knowing me I will dip in and spend it or something.
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I changed from Tesco (after hearing about Jeeves terrible time with them) and went to Healthy Pets. Saved money and got a better deal :D . They seem on the ball as you say. One claim and no problems :D .
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I've recently looked at changing the insurance for Snoop to Halifax. Not too sure what others think of them, but their terms and conditions are very fair. They have two types of plan, a basic and an extra. The extra plan covers up to £6000 per condition, per year with £50 excess per condition, per year. The other stuff they offer is also quite good (although I have no real comparison) and the monthly cost is great compared to the other companies people have posted about - only £7.63 per month for Snoop and just under £7 per month for Honey, bearing in mind that I have had to disclose Honey's current eye/hearing problems (I'll get a proper quote again after we've made sure she's treated for all current stuff).
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Oscar is insured with Halifax and the one claim I have had to make was handled quickly, efficiently and with no quibbles. I did lots of resaerch and decided that they offered the best deal for me. So far I'm very happy.
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;) I insured Harley 3 days ago with M&S £17.70 a month, NO Excess ! (I know I got 5 pcent discount for a second dog. )
When I've made a claim for Flo, I've downloaded a claim form from their web site, given it to the vet who deals with the claim direct and I have nothing more to do or to pay! Simple ;)
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M&S here for both dogs and 1 cat :D
JessieCocker is around £160 a yr with no excess...I am expecting an increase in Sept tho when its up for renewal as we have made several claims this year ph34r
Janey
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Charlie is with Kennel Club ... it was a couple of quid more expensive than petplan ... but much better coverage
unfortunatly I've had to claim already ..... but fortunatly they have been fantastic and quick in getting the cheque out to me (good job as it was nearly a grand! ) ... no quibbles and an easy form to fill in
Customer service was good too on the phone, they actualy seemed concerned that Charlie was ok .. as well as being good about the claim and giving me info etc.
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M&S here for both dogs and 1 cat :D
JessieCocker is around £160 a yr with no excess...I am expecting an increase in Sept tho when its up for renewal as we have made several claims this year ph34r
Janey
Flo's is about £160 the same Janey, when I spoke to them about Harley's they said premiums had gone up again in June, also it's extra for a boy! ::)
I still think it's worth it as I know with no excess to pay that I need never worry about having to take them even for minor things :shades: Also their benefits are as good if not better than most
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I wonder why I had such a high quote? Strange.
I've found quotes as low as £6.50 a month but they barely cover anything. Some at £15 look quite comprehensive and include the kennels if you are hospitalised which is why I was so shocked at the quote I got with M&S!
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Im with Tescos's ph34r and have had no problems with the claims I have made
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I'm with the Halifax, but I pay around £12 a month for my pair. (That's £12 each; not all together.) Their level of cover seems quite good. But I've never had to make a claim, so I can't say if they are any good or not. :-\
Although I do know if you don't have their booster vaccinations done it invalidates the whole policy. ::) And castrated males are no cheaper than entire ones. :D
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I wonder why I had such a high quote? Strange.
I've found quotes as low as £6.50 a month but they barely cover anything. Some at £15 look quite comprehensive and include the kennels if you are hospitalised which is why I was so shocked at the quote I got with M&S!
It does seem very much more than anyone else's M&S premiums. Did you phone them or go on line for a quote ? I also suppose post codes make a difference :-\
I think I'd phone again,that doesn't seem right. :-\ By the way someone said that the max per year was £4000 with M&S ! It's actually £7000 per illness. ;)
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My two are both with M&S and I pay £11.21 per month for Tilly and £12.63 per month for Alfie and that's with zero excess on both policies :shades: Alfie's was also renewed in March and it only went up around £1.50 per month. It was the best policy I could find, I love the zero excess as most of their bills come in at around £30-40 which is just under the standard £50 excess fee but is still a lot of money to fork out ::) and I have had no problems with claiming from them. I pay the vet upfront and fill in my bit of the form, they fill in the rest and send it off and I get a cheque a couple of weeks later. The longest I've waited for a cheque was 2 and a half weeks which I don't think is bad at all.
I'm quite shocked at how high some of the M&S quotes described here are though as Alfie is a young, uncastrated male dog, we live within a major city postcode area (Edinburgh) and he has the all singing all dancing zero excess cover yet I pay less than £13 per month for it :huh:
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After reading advice on COL I took out insurance with M&S for Daisy. I only started the insurance at the beginning of March and have already had one claim of £40 which took quite a while for the payment to come through, but I am giving them the benefit of the doubt as it was my first claim. I now have another claim for approx £220 from my vet and £700 for the orthopedic vet referral, I have decided to ask the vet to claim and the Animal Hospital claim direct too, so I won't have to pay anything. To insure Daisy it is £16.17 a month with Zero excess. I have now insured Mollie with M&S and with the 2nd dog discount her monthly payment is £15.82 with Zero excess.
Daisy's has just been diagnosed with a fragmented medial coronoid process of her right elbow. If I continue to insure with M&S next year, will they continue to cover this condition?
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Yes they should continue as their cover is continuous. I wouldnt change to another Insurer though because they will exclude it.
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I was with M&S for my two they gave a discount for having both insured(£10.45 per month for Alfie & £9.75 per month for Charlie) but premium's nearly doubled even though I've not made a claim, so I've now gone with Healthy Pets same cover as M&S, but for £17.45 for both per month.
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I've recently looked at changing the insurance for Snoop to Halifax. Not too sure what others think of them, but their terms and conditions are very fair. They have two types of plan, a basic and an extra. The extra plan covers up to £6000 per condition, per year with £50 excess per condition, per year. The other stuff they offer is also quite good (although I have no real comparison) and the monthly cost is great compared to the other companies people have posted about - only £7.63 per month for Snoop and just under £7 per month for Honey, bearing in mind that I have had to disclose Honey's current eye/hearing problems (I'll get a proper quote again after we've made sure she's treated for all current stuff).
I Changed from M&S to the halifax. I have the extra plan and pay Under 20 pounds per month for both my girls. The thing to be careful of, is to tell them you want to keep to the same Insurers otherwise they look for the cheapest insurer upon renewal, you may then not be covered if you have made a claim as it will be a pre-existing condition I am quite happy with the level of cover but so far have not made a claim.
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Kali's quote with M&S is just through. £147.00 plus £50 excess. Don't know whether that is good or bad as I can't remember what I paid last year :shades:
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I'm with M&S and have always found them to be pretty good. I've never dealt with them by phone though :-\
Bailey's insurance was about £130 and when I got Harvey in October was pretty shocked as his was just under £200, knew that there had been some pretty hefty increases so was pleasantly surprised when I received Bailey's renewal yesterday of £168. Not great, but better than I was expecting, and we have had a few "little" claims this year :-\ Both polices have no excess.
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Can i ask a question to those of you whose policies have no excess? If you claim, does it affect your renewal premium?
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Can i ask a question to those of you whose policies have no excess? If you claim, does it affect your renewal premium?
I really don't know as this is the first year I have ever insured a dog, I am sure I will find out in March 2008 ph34r
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Jan
I claim for everything, even if the bill is £30. That's why I pay extra, so I have no excess. Until this year, Bailey's insurance cost me around £130 per year, so no, in the past his premiums haven't gone up because I have claimed.
It has gone up this year, but as I understood it, with M&S all the premiums went up so I was expecting an increase, regardless of any claims I had made.
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Jan
I claim for everything, even if the bill is £30. That's why I pay extra, so I have no excess. Until this year, Bailey's insurance cost me around £130 per year, so no, in the past his premiums haven't gone up because I have claimed.
It has gone up this year, but as I understood it, with M&S all the premiums went up so I was expecting an increase, regardless of any claims I had made.
Am just wondering how they manage to do it so cheap????
I pay around £18 per month for Billy with Petplan & my excess is £65 >:(
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I know when I got my quotes for Daisy online there was only £10 a year difference between a £50 excess and zero excess, so I guessed it was worth paying the extra £10 a year. ;)
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I've just been on m&s website and they have quoted me £221 per year for Billy !
It can't be postcode related as I live in a nice area :-\
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I've just been on m&s website and they have quoted me £221 per year for Billy !
It can't be postcode related as I live in a nice area :-\
That is about the same as you are paying now. Is that quote including no excess?
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I'm with PetPlan and when we made a claim they were really helpful and we got the money straight away.
We pay about £23 a month which covers both dogs. My excess is £65 but that hasn't been increased since making a claim.
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I've just been on m&s website and they have quoted me £221 per year for Billy !
It can't be postcode related as I live in a nice area :-\
That is about the same as you are paying now. Is that quote including no excess?
Yep, no excess :shades:
mmmhhhh not sure if i want to risk changing as billy had a wobbly head once, although it's since gone away, if anything did happen & I couldn't claim I'd be kicking myself.
although I see m&S pay up to 7k whereas petplan is only 4k I think.
mmmhhhhhhhh :shades:
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I claim for everything for my two, even if it's only £20 as that's why I pay extra to have no excess. It hasn't affected Alfie's premiums anyway, as I said, it's only gone up £1.50 per month this year :D
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I claim for everything for my two, even if it's only £20 as that's why I pay extra to have no excess. It hasn't affected Alfie's premiums anyway, as I said, it's only gone up £1.50 per month this year :D
Me too Nicola, it's worth a bit extra for the no excess as a lot of the bills are small ones (under £50) ;)
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I am really lazy with mine ph34r
I don't claim unless it's worth it. My excess is £65 but if my bill came to £80 I wouldn't claim for the sake of £15, I am so lazy :005:
mmmhhhh may ask at work about this, not sure how m&S are managing to do it so cheap ie no excess.
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I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims ::)
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I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims ::)
Gill, if you do that, why don't you have a £50 excess policy then you would pay less ? :-\
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I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims ::)
Gill, if you do that, why don't you have a £50 excess policy then you would pay less ? :-\
Because like Jan, I wouldn't claim for the sake of £15-£20 so my vet bills would then have to be in the region of £90 + to make it worthwhile claiming and they rarely are that high. They tend to be around the £50 - £60 mark so at least with no excess I get the full amount back rather than losing out. It makes sense in my head anyhow :lol: :lol:
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I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims ::)
Gill, if you do that, why don't you have a £50 excess policy then you would pay less ? :-\
Because like Jan, I wouldn't claim for the sake of £15-£20 so my vet bills would then have to be in the region of £90 + to make it worthwhile claiming and they rarely are that high. They tend to be around the £50 - £60 mark so at least with no excess I get the full amount back rather than losing out. It makes sense in my head anyhow :lol: :lol:
But you're paying extra to have no excess then losing out by not claiming for anything under £50... say you had a bill for £40 you wouldn't claim that back? Surely that's therefore leaving you out of pocket?
I'm interested to know why anybody wouldn't claim back say £20 or £30 - it doesn't cost anything and takes 5 minutes to fill in a claim form so why don't you want your money back :huh: Ok it's not a huge amount but I can always think of something to do with it... maybe you have more spare cash than I do :005:
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I'm interested to know why anybody wouldn't claim back say £20 or £30 - it doesn't cost anything and takes 5 minutes to fill in a claim form so why don't you want your money back :huh: Ok it's not a huge amount but I can always think of something to do with it... maybe you have more spare cash than I do :005:
It's filling the form in, taking it to the vet & handing it in, getting the cheque, going to the bank to pay the cheque in etc etc . Just plain laziness :005:
I insured Billy incase anything major happened really rather than day to day things.
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It's filling the form in, taking it to the vet & handing it in, getting the cheque, going to the bank to pay the cheque in etc etc . Just plain laziness :005:
I'm pretty lazy too but the promise of cash usually shakes me out of it :005: I keep the forms in the car so I always have one with me when I go to the vet and I fill it in then and there as I'm paying and they do the rest.
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It's filling the form in, taking it to the vet & handing it in, getting the cheque, going to the bank to pay the cheque in etc etc . Just plain laziness :005:
I'm pretty lazy too but the promise of cash usually shakes me out of it :005: I keep the forms in the car so I always have one with me when I go to the vet and I fill it in then and there as I'm paying and they do the rest.
You're much more organised than me then :lol:
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I'm interested to know why anybody wouldn't claim back say £20 or £30 - it doesn't cost anything and takes 5 minutes to fill in a claim form so why don't you want your money back :huh: Ok it's not a huge amount but I can always think of something to do with it... maybe you have more spare cash than I do :005:
It's filling the form in, taking it to the vet & handing it in, getting the cheque, going to the bank to pay the cheque in etc etc . Just plain laziness :005:
I insured Billy incase anything major happened really rather than day to day things.
All I do is get the claim form and give it to the vet,I don't pay anything, my vet deals with M&S and they send me a letter to say it's been paid!
You must all be very well off ladies, :shades:
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All I do is get the claim form and give it to the vet,I don't pay anything, my vet deals with M&S and they send me a letter to say it's been paid!
You must all be very well off ladies, :shades:
Nope I'm not well off at all :005:
Do they pay you by bacs or cheque?
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But you're paying extra to have no excess then losing out by not claiming for anything under £50
I think it was only something like a tenner a year extra so I still think I'm better off with the no excess policy even though I don't claim for the smaller bills. I've got a B in Higher Maths so will be very embarrassed if I've worked it out wrong :lol: :lol:
All I do is get the claim form and give it to the vet,I don't pay anything, my vet deals with M&S and they send me a letter to say it's been paid!
You must all be very well off ladies, :shades:
With my vets you have to pay them direct and then claim back the money. I then have to cut short the dogs walk at lunchtime so I can pay the cheque into my account. I personally don't think its worth the hassle for smaller bills. In the year that I have been paying vet bills, I have only had 2 bills come in at less than £50 so I've certainly made good use of my insurance and I would say about 90% of claims that I have made, I wouldn't have been able to had I had an excesss so I'm still quids in. Well off?? Whats that then ?? :lol: :lol:
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All I do is get the claim form and give it to the vet,I don't pay anything, my vet deals with M&S and they send me a letter to say it's been paid!
You must all be very well off ladies, :shades:
Nope I'm not well off at all :005:
Do they pay you by bacs or cheque?
They don't pay me, they pay the vet ! ::) :D (Not well off in your profession ? :o :huh:, who are you trying to kid) :005:
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They don't pay me, they pay the vet ! ::) :D
oh bloomin heck that's fantastic! Don't suppose many vets do that :D
wonder if they see it as an opportunity to add a bit on ?
(Not well off in your profession ? :o :huh:, who are you trying to kid) :005:
I am paid well but I have lots of bills :lol:
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I confess that I read the first page and the last so anything in between isn't counted!
I'm with Healthy Pets - yes I have to pay the vet bill at the time (the vets rules) but I've claimed twice and the cheque came through without question within 2 weeks. There is a £50 excess but I think that's fairly standard if you pay £5.65 per month for gold cover! That means covering an ongoing illness for the life of your dog or £6,000 per treatment whichever is lower - OK it's limited but still a good deal?
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It's filling the form in, taking it to the vet & handing it in, getting the cheque, going to the bank to pay the cheque in etc etc . Just plain laziness :005:
I'm pretty lazy too but the promise of cash usually shakes me out of it :005: I keep the forms in the car so I always have one with me when I go to the vet and I fill it in then and there as I'm paying and they do the rest.
Like Jan, the hassle of taking the form back to the vet, collecting it again and then sending it off it too much hassle for us for small amounts - we have a £35 excess, but now that the standard consultation fee is £25+VAT, I rarely get charged under the excess, but don't bother to claim unless its over £50 or so ::)
Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Once the cost of petrol, and my or OH hourly rate is taken into account for all the to'ing and fro'ing it doesn't make it worth it for small amounts :shades:
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Why don't you send the form by post to your vets? I live 6 miles from my vets and if I am not travelling in that direction, I have put my claim form in the post to the vets with a quick note. The vets have then sent it direct to M&S to be paid. I received the cheque and then put that in the post to my bank to be banked as again I don't often get to my bank and it is usually a special journey for me. Luckily, my vets will claim the amount back direct from M&S :D
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Why don't you send the form by post to your vets? I live 6 miles from my vets and if I am not travelling in that direction, I have put my claim form in the post to the vets with a quick note. The vets have then sent it direct to M&S to be paid. I received the cheque and then put that in the post to my bank to be banked as again I don't often get to my bank and it is usually a special journey for me. Luckily, my vets will claim the amount back direct from M&S :D
Our vets charge extra if they have to post the form back to you (citing administrative charges) and they won't send it direct to the Insurer, either ::)
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Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Rachel you are quite right. Vets are no longer, in theory, allowed to deal with Insurance Companies directly. FSA guidelines and the dreaded Data Protection rulings should make this impossible.
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We are insured with M&S and have obviously had a big claim go in because of Charlie's accident. ph34r
The emergency vets and our standard vets dealt with all the paperwork and we haven't had to pay out a penny :D The most I have done is downloaded the claim form from their website and then taken it to the vets. M&S just send me a letter to say they are dealing with it and the vets then tell me it has been paid.........couldn't be easier.
Our renewal came thro just before Charlie's accident so it had only gone up from £12 a month to £17 a month with no excess. I can't say that I am looking forward to next years renewal tho cos I can see it increasing by quite a bit cos they are gonna have us over a barrel in that we can't change insurers now incase of any further problems due to his accident. Be interesting to see how much of a difference it will make to our premium.
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Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Rachel you are quite right. Vets are no longer, in theory, allowed to deal with Insurance Companies directly. FSA guidelines and the dreaded Data Protection rulings should make this impossible.
Really? Well I just hope that either mine never realise that or just don't care cos it works really well for me at the moment! :005:
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Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Rachel you are quite right. Vets are no longer, in theory, allowed to deal with Insurance Companies directly. FSA guidelines and the dreaded Data Protection rulings should make this impossible.
On the petplan form it does however have a box to tick where you also sign saying that your vets can do this --- the vet we see in Swansea sends the forms in and recieves the payment directly (I fill in relevant bits 1st)
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Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Rachel you are quite right. Vets are no longer, in theory, allowed to deal with Insurance Companies directly. FSA guidelines and the dreaded Data Protection rulings should make this impossible.
On the petplan form it does however have a box to tick where you also sign saying that your vets can do this --- the vet we see in Swansea sends the forms in and recieves the payment directly (I fill in relevant bits 1st)
;) Same with M&S that's why the customer has to get the claim form :-\ (you can download M&S's) so it's very easy, and fill in the first part, then give to the vet to do everything else :shades:
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;) Same with M&S that's why the customer has to get the claim form :-\ (you can download M&S's) so it's very easy, and fill in the first part, then give to the vet to do everything else :shades:
Sadly, it's not the Insurer, but the vets, that are refusing in our case........the Practice is part of a large chain across the South, so I imagine many people have the same problem ::)
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Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Rachel you are quite right. Vets are no longer, in theory, allowed to deal with Insurance Companies directly. FSA guidelines and the dreaded Data Protection rulings should make this impossible.
I don't understand why though?
Billys vet sends the forms off to the insurer for me no problem
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I think a lot of it depends on how nice your vet is - mine have no problem doing the forms...
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Our vet won't fill in the form there and then - it is done by the administrators, so I have to go back and pick it up a few days later......... :-\ We got a letter from the Practice not long after we got Molo saying that the FSA guidelines meant that vets should no longer send the forms to the Insurance Company direct, or accept payment direct ::)
Rachel you are quite right. Vets are no longer, in theory, allowed to deal with Insurance Companies directly. FSA guidelines and the dreaded Data Protection rulings should make this impossible.
I don't understand why though?
Billys vet sends the forms off to the insurer for me no problem
I suppose it is because the policy is with the Pet Owner, not the vet, and so they should only sign it once it has been completed by the vet, rather that it being submitted to the Insurance company by the vet, so that the Client has never seen the completed form, iyswim? I imagine it would be easier for someone to challenge the decision of an Insurance Company if the form was sent off without the Policy Holder seeing it ;)
Similarly, I imagine that any payment should be made to the Insurance Policy holder, not a third party unless it falls within the Third Party clauses of the policy ;)