Client Finance / I am making an Insurance claim
I am making an Insurance claim
Our standard process is that pet owners pay for their pet’s treatment and then your insurance company will reimburse you after you have paid the invoice in full.
Here’s what you need to know about making a claim:
What do I need to do before my first appointment?
We recommend you contact your Insurance provider to advise them that your pet has been referred to Davies Veterinary Specialists. Some insurance companies specify in their terms and conditions that they need to be kept informed of any referrals and to be advised of where your pet has been referred to.
Before your first appointment, please advise us which insurance company you are with – once we know the level of treatment required we may need to seek pre-authorisation from them before starting treatment.
What is a Pre-authorisation?
Davies may need to obtain pre-authorisation from your insurance company before any treatment begins. This is to ensure they will cover the cost of the recommended treatment. To do this we will need to know the name of your insurance company and your policy number. Some insurance companies require the owner to request a pre-authorisation. We need at least 5-10 working days to submit a pre-authorisation and receive the decision from the insurance company.
What information do I need to bring with me on the day of my appointment?
Please make sure you have the following information ready for your first appointment:
- Your policy number
- The level of cover you have
- Whether your insurance provider has any ‘Capped’ fees or a preferred specialist referral centre list
- What your excess is
- Check if your company has a co-payment percentage that forms part of your excess
- The process for making a claim with your Insurance company (e.g. do you need a signed claim form, do they have an online form or link) then we can do this for you, free of charge.
- Davies can help pet owners make a direct claim (this is where we would be reimbursed by your insurance company). Please contact us to discuss this prior to arriving for your appointment.
When do I need to pay for my pet’s care?
We require a consultation fee to be paid on the day of your first appointment. You will be advised of this fee prior to your appointment.
We will request 50% of the estimated cost to be paid on admission of your pet.
Once the invoice is settled in full on discharge of the pet, we will initiate the claim form for you. We aim to process claims within 5 working days.
What happens if my insurance company advise that you are not on their preferred referral list?
Some insurance companies incur an additional charge of £200 if you select a Referral Centre not on their list – don’t worry we will reimburse this charge, click here to read more.
What methods of payment do you accept?
We accept all major debit and credit cards. We also accept bank transfers and banker’s drafts, but we do not accept cheques.
Links to online claim forms for some insurance companies are listed below:
Please note, these links were the latest claim forms available at time of publication (September 2022).
Direct Insurance claims
Do Davies make direct claims?
Davies can help pet owners make a direct claim (this is where we would be reimbursed by your insurance company). Please contact us to discuss this prior to arriving for your appointment.
Please note, direct claims cannot be requested for the first time after a consultation, or at the time of collection of your pet after treatment has already been given.
For more information about direct claims, click here to read our fact sheet.
In some cases, we can facilitate a payment plan. We offer these over a 3-month period, with payments as follows:
- First payment due on admission of your pet. This can also be the deposit paid on admission.
- The next two payments will be on the same date in the following two months.