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Should I have to pay the full vet bill before I claim it back from my pet insurance?13 comments to Should I have to pay the full vet bill before I claim it back from my pet insurance?You must be logged in to post a comment. |
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Your vet has no direct arrangement with the insurance company, therefore you must pay the vet first then claim it back through your policy. This is absolutely 100% normal.
If you can’t afford it, then perhaps you need to think twice about having a dog.
Animal insurance isn’t like people insurance.
Usually, the vet expects payment up front from you, they will fill out the paperwork and you have to claim it from the insurance company.
I think that’s the point of them wanting payment up front….they performed a service and do not want to wait to get paid (or unfortunately get screwed by the deadbeats who either don’t pay them or take forever to pay).
It was emergency service and they expect payment up front….that’s understandable. But instead of them waiting for money….you’ll have to wait for it. It’s worth it in the long run if you get some money back I guess, but it depends on how much you’re dishing out a year.
This is how your insurance plan works – it’s not with the vet, but with you. You owe the vet and then get repaid by your insurance. This was all in the information about the plan you chose, and your issue with this is with the insurance company. Don’t deny the vet the money you owe them. The vet legally has the right to keep your dog if you don’t pay the bill, then they can choose to rehome him when possible or put him to sleep. My sister works for a vet and that happened far too often. Usually people drop the dogs off for bording and then never plan to pick it up or pay the bill.
Because of my business I dealt with this all the time. The reality is that the insurance company works for you, not me. Since you are the one that makes a payment to them every month, you will get immediate response to a claim. Since I do not send them a check every month I may wait a year before getting a response to a claim.
Yes that’s the way it goes. You pay it then they pay you back. At least you know you can put it on a credit card or something and you should have it back by the time the payment is due. That’s what I normally do.
That is their way of getting out of doing the paper work. They should fill out the form, I would give it to the mgr. If you find he/she is nice often they will submit the form for you.
Sort this particular problem out and then find yourself an Insurance Company that will deal directly with your Vet. I believe that Tesco’s do this if asked.
Hope this helps.
That is usually the case
NO YOU DO not you only have to pay the first around £60 then the insurance will pay the vet the rest of the bill so get your policy out and call the insurance and they will sort it out dont pay the vet wait and sort it out with the insurance then change your vet WHAT EVER YOU DO DONT PAY THE BILL GET INTOUCH WITH PET INSURANCE THEY WILL SORT IT OUT MY VET SORTED IT ALL OUT FOR ME YOUR VET SOUNDS A RITE PRAT
You do have to pay the bill to the vet. Then you get the money from the insurance. I was on holiday when my dog dislocated her hip. My friend told the vet I was on holiday, so the vet made my friend pay a £100 before they would put her hip back in place. Luckily they had a credit card on them.They then had to pay the rest when they picked the dog up. I wasn’t happy about it as I have been with the same vet for years. My insurance money then took a month to arrive!
I now put money aside instead of having insurance. I have spent 1000′s of pounds on my dogs insurance have only ever had a claim of £180. I could have payed that one myself!
go with pet plan all you pay is the excess and the vet puts in the bill thats you i go with
I have the same problem my dog has epilepsy, and his medication cost me in excess of £150.00 per month, but because i use a lesser known insurance company my vet said he only deals with pet plan as they are very good at paying back on time,(I use animal friends) so every month i have tp pay it first then claim it back which puts me in debt until they send me their cheque. sad, but true, have you tried telling him the problem? good luck xxx
Vets operate a similar system to private medicine for humans. You get the bill and you pay in full, then get your vet to sign the claim form which you send off to your insurance company along with the receipt fro payment from the vet.
The insurance company will settle your claim less whatever percentage of the bill you are required to pay.
I recently had a £4500 bill from the vets which I had to pay then claim back.
If you refused to pay the vets bill, I imagine that you could find yourself in the small claims court, because the vet would be within their rights to sue. They have after all provided the service.