Insurance

Important Facts To Know

Not all veterinary fees will be covered by your insurance policy. Routine health care such as vaccinations, worming and elective procedures, such as castration, are generally excluded. You must make sure that your horse’s vaccinations are kept up to date as specified by your policy: failure to do so may invalidate your policy. In the unfortunate event that your horse requires to be hospitalised, please check your policy terms and conditions to see if you are covered for hospitalisation and nursing, farriery or livery fees. Some policies will only cover a percentage of these fees and others will not cover them at all. The condition claimed for will generally be covered for a period of twelve months from the date the problem first started or a specified amount for veterinary fees. Once the limits have been reached and if further work is required, then you will be liable for the fees. Your account will be handled by a member of our Insurance Administration.


What If I Need To Make A Claim

Should you be unlucky enough to make an insurance claim for your horse, please contact your insurance company as soon as possible to inform them that the horse requires treatment and to request a claim form. It is your responsibility to check with the insurance company if the horse is covered for payment of the veterinary fees likely to be incurred for the specific condition claimed for.


Completing the Paperwork

Once you have received your claim form, please read it carefully then complete and sign the policyholder section. We kindly request that you indicate on the form for the insurance company to pay the practice direct. It is Clyde Vet Group Equine Hospital’s policy if you indicate you wish to be paid directly by your appointed insurance company, then we require full payment prior to the forms being sent out.


Following completion of the policyholder’s section the form should be forwarded to the practice. Once we have received the claim form the veterinary section of the insurance form will be completed by the attending vet or by another authorised member of the equine team. The form is then sent to the insurance company along with all the relevant veterinary invoices and the horse’s full clinical history.


Incomplete forms will be returned to you and may result in a delay with processing your claim. Where possible we submit insurance claims by email and will be happy to forward a copy to you should you give us a contact email address.


Please Note: We cannot complete any of the Policyholder’s section of any claim form as it is a legal document.


Monthly Statement

Whilst the insurance company are dealing with your claim you will continue to receive monthly statements from the practice until the account is paid in full. These monthly statements will include a note advising you of the amount claimed to date and any balance which is due to be paid by you. The excess, which is payable to us, will vary from policy to policy so please refer to your policy terms and conditions carefully.


Payment

We are happy to receive payment directly from insurance companies but would remind you that you will be liable for any shortfall in the payment of fees. Also, in certain circumstances, where the insurance company are taking longer than is reasonable to settle the claim, we may ask you to settle the account and wait for the insurance company to reimburse you.


Please Note: the practice is not responsible for pursuing payment from the insurance company.


Interest at a rate of 1% is automatically charged on any balance outstanding for more than thirty days. Once the payment is received from the insurance company and you have paid any balance you are responsible for, outstanding charges will be removed.


To avoid potential problems with insurance claims, it is best practice to keep your insurance company updated on any treatment or tests your horse may undergo. In particular, if your horse requires a general anaesthetic, scintigraphy (bone scan), MRI scan or CT scan, please contact your insurance company first to confirm that you are covered.


Some companies may request a pre-authorisation form to be completed for them to assess prior to the procedure being carried out.


Clients without an account with Clyde Vet Group Equine Hospital may be asked to settle any charges not covered by insurance at the time of treatment or on discharge. This will be discussed when arranging the next visit.