This cover pays for non-routine vets’ bills except for an excess, which varies, that you must pay. The amount that the insurance company will pay varies with each policy as they have different degrees of cover for different budgets. The cost of this cover will also increase if the animal is worth a lot more and is in a higher level of competition. Some policies will still have restrictions for certain diagnostic and alternative treatments so it is important to read the policy carefully to see exactly what the cover includes.
Many insurance policies for vets’ fees will exclude all incidents that haven’t been caused by accidental, external and visible injury.
Before any treatment is initiated on an animal, unless in an emergency situation, the vet should give you an approximation of the cost so that you can get the go ahead from your insurance company and to check that there are no exclusions for this condition. The insurance company should also be contacted before any referral or surgical procedure is performed.
The insurance company will either pay the veterinary practice direct or pay you to then settle the bill with the vets. There have been cases of people being paid by the insurers and then not paying the vets. To prevent this, most policies now state that the claim is only valid once the vet has been paid.