When should I contact my insurance company?Consent must be gained from the insurer’s prior to certain diagnostic tests or procedures being performed, so if you’re in doubt ring the company to inform them of the plan for your horse in advance of undertaking the procedure.
Once you have decided to make a claim, the best starting point is to notify your chosen company and request a claim form. Once received you should complete the form, sign your sections and then forward the whole form to us, along with payment for your excess. We will then complete the veterinary section and submit the claim form on your behalf. The invoices for the problem are accompanied by your horse’s full veterinary history and submitted to the relevant company.
We recommend contacting your insurance company prior to submitting a claim to establish if you have any relevant exclusions on your policy that may affect your claim and confirm how much your excess is for the claim.
Whilst we are happy to accept payment direct from your insurance company, please be aware that companies may only over the fees discounted for prompt payment and they will not pay for any interest that has been added to an overdue account. Insurers take the view that you should minimise the costs by using any discount system available. In light of this, it is financially beneficial to you to settle your account before your prompt payment discount is lost and then be reimbursed by the insurance company yourself.
Finally, certain exclusions may be reviewed and removed after a year. If you have existing exclusions on your policy contact your insurers to enquire if this can be re-evaluated. If so, you will need a visit so we can examine your horse and provide the insurers with a written report.
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