pet insurance
We never want money to be an issue should your pet require treatment, but there is also no doubt that the provision of high-quality veterinary care comes with a cost.
We hope your pet stays in good health but could you afford an unexpected veterinary bill of £2000? In the absence of a Pet National Health Service, lifelong pet insurance may offer the best solution for pet owners. It is for this reason we suggest all our clients take out a good quality pet insurance product.
We are a Vetsure-accredited practice and, as such, promote the Vetsure range of pet insurance products. As a recognised practice we benefit from active communication channels with the Vetsure team. This means that we can obtain pre-authorisation prior to starting treatment and can help make the claim process as easy as possible.
Cairngorm Vets Ltd are an Introducer Appointed Representative (IAR) of TVIS Ltd who is authorised and regulated by the Financial Conduct Authority (FRN 523215)
Why we promote Vetsure
A lifetime of care for your companion:
- The treatment benefits on all Vetsure policies recharge every year for each condition – meaning that ongoing conditions like diabetes and arthritis will continue to be covered.
An unlimited number of conditions covered:
- With Vetsure, you can claim against an unlimited number of unrelated conditions per year. You just choose the level of cover you want per condition.
Hassle-free claims:
- You only pay the excess once per condition and we guarantee to offer direct claims so you’re not out of pocket. Claims are handled digitally so they can be settled within hours.
Get 5 Weeks’ Free*!
Furthermore, as a fully accredited Vetsure practice we can offer our clients 5 weeks cover free of charge. Simply choose whichever level of cover you are interested in taking out and get the first 5 weeks free. If you’re happy, your cover will continue seamlessly.
To activate your 5 Weeks’ Free cover online, click here or you can call the friendly team at Vetsure on 0800 050 2022.
*you must contact Vetsure to activate your cover. Cover for accidents starts immediately once your free trial has been activated. There is a 14 day ‘waiting period’ for illness conditions –
meaning illness conditions occurring or showing clinical signs during this period will be excluded.
For more information visit www.vetsure.com
Claim 5 weeks free pet insurance from Vetsure
Insurance explained
When searching for a pet insurance policy, it is crucial to carefully review the terms of the policy before making a purchase. Take the time to read and understand what is covered and what is not, ensuring that the policy aligns with both your own and your pet's specific requirements.
There are four main types of pet insurance
Lifetime pet insurance is specifically created to provide coverage for your pet throughout their entire lives. The annual claim limit resets each year, ensuring continuous coverage for chronic conditions as long as you continue to renew the policy
Time Limited Pet Insurance provides coverage for your pet in the event of accidents and illnesses, starting from the onset of symptoms. Once either the policy limit is reached or 12 months have elapsed (whichever occurs first), you will no longer receive coverage for veterinary fees related to that specific accident or illness.
Accident-only coverage provides a predetermined amount for each injury in the event of an accident involving your pet. While certain policies may also include coverage for emergency treatment of illnesses caused by an injury, this is not commonly offered, so it is important to review the policy details to confirm. Additionally, there is typically a financial limit and/or time restriction on the coverage provided.
Maximum benefit pet insurance provides coverage for your cat or dog in case of any injury or illness, up to a predetermined limit. These types of policies are often referred to as money limited or per condition pet insurance. Unlike time-limited policies, there is no restriction on the duration for which you can claim.
CLAIMs
There are two different ways to claim and we will advise you on the best way depending on your situation but in most cases it is easier for managing claims if routine on going treatment is claimed via a prepaid claim where as in non-routine (in most cases surgical) situations we can claim directly from the insurer.
Prepayment claims
This is when you make payments for our services, and subsequently, the money is reimbursed to you directly by your insurer.
Direct claims
This is when the insurer pays us directly.
*The majority of policies typically include an excess and/or a co-payment, which must be paid directly by you to the practice.
Frequently used terms
Pre-authorisation - This is when you ask the insurer to check they will cover the treatment before it goes ahead.
Exclusions - this is usually a list of things that will not be covered by the policy.
Co-payment - As your pet ages, you will be required to contribute a portion of the veterinary expenses when filing a claim. This adjustment is necessary due to the increased likelihood of older pets experiencing injuries or illnesses. This contribution is commonly referred to as 'co-payment'.
Condition - The term 'condition' refers to any injury or illness that can be attributed to a single cause or diagnosis. For instance, in the event of an accident involving your pet, all the injuries they sustain will be considered as one condition, regardless of their location on the body. Similarly, if your pet exhibits symptoms of a condition that later manifests on a different side of the body, it will still be classified as one condition.
Congenital conditions - A condition that is present from birth but may not exhibit symptoms right away is known as a congenital illness. Insurance policies typically (but not always) cover congenital conditions, as long as the pet has not shown any symptoms or been diagnosed with the condition before the policy's start date or within the waiting period specified in the policy terms.
Continuation claim - Where repeat claims are submitted for the same condition, for example a patient requiring ongoing medication can submit a claim every time medication is purchased.
Pre-existing - A new policy typically does not cover pre-existing conditions. If you happen to notice any signs of a pre-existing condition in your pet before obtaining the policy, it is important to be aware that this will still be considered a pre-existing condition, even if you chose not to seek veterinary care at that time. For instance, if your dog was experiencing limping prior to the policy's commencement, and your veterinarian subsequently diagnosed it as arthritis, it would be classified as a pre-existing condition. It is crucial to keep in mind that there is a waiting period at the beginning of your policy. The duration of this waiting period may vary depending on the insurance company and the specific policy. If a condition is first observed or an accident occurs during this waiting period, they will also be regarded as pre-existing conditions. Furthermore, any injuries resulting from accidents or any illnesses that your pet had prior to obtaining the policy will be considered pre-existing conditions as well. This encompasses any complications or conditions that may arise later as a consequence of the initial illness or accident.