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How does the
neutering/microchipping claim procedure work?
You can get your animal neutered/microchipped at any stage after the
initial 21 days stand-down period is up at the start
of your policy. We will reimburse these costs
(less any excesses applicable) after the policy has been in
force for
nine months. The client will need to keep their
receipts to make a claim at this time.
What
is a 'specialist' and when would my pet need to be referred
to one?
In
general terms, a specialist is a veterinarian with advanced expertise
and training in one or more specific fields of
animal health. Your vet may refer you to a
specialist at your request or if he or she feels that a particular
condition or procedure warrants it. For example, a
referral to a skin specialist when an animal's condition has
not been previously encountered by their local vet.
Are specialist veterinarian costs covered?
Specialist veterinarian costs are covered, but they are limited
to Pet-N-Sur
reimbursing 60% of the costs.
Are things like routine dental treatments, flea
treatments, routine eye surgery,
etc covered?
No, these are not covered.
Are hereditary conditions covered?
Hereditary type conditions are not covered for the first three years of
the animal's
life, after the three years is up should a hereditary condition
then present itself it is now
covered. A list of hereditary conditions is listed
in the training manual.
How do I make a claim?
Claim forms are supplied with the policy document
pack and are also available through our website. We
encourage clients to take a claim form with them to
the vet
to get them
to complete it whilst at the clinic. They then attach
their receipts and return to Pet N
Sur. The claim will then be assessed and the claim
manager
will contact the client
with the status. A claim should be submitted within
one month
of the treatment by the
veterinarian.
Can I cancel my policy for a refund?
You
will have 7 days after you receive your policy documents to consider
the full terms and conditions. If
you are not happy or change your mind during this
'free look'
period, we will cancel the
insurance and give you a refund. You cannot
cancel the
insurance if claims are paid by us during the 'free look'
period
or
if claims are paid during the
period of insurance. You may otherwise give us one
month's notice of cancellation.
What happens on the death of my pet?
If
there is no claim involved, you should notify us and we may cancel the
policy (see cancellation above).
However, we reserve the right to deduct
the outstanding balance of your annual premium
from any claim paid, and specifically in the event of
your pet's dea
Why is my dog classified as a 'select breed' or 'high risk' and why
is the premium higher?
The
conventional answer is "Just as some dogs cost more to feed,
some breeds cost more to care for." We
carefully monitor the costs of care across our policy
base and those breeds with
significantly higher costs we categorise as Select Breeds.
These are typically, but not
always, giant breeds like Great Danes and certain pedigree
breeds with exaggerated body shapes and
facial bone structures.
More
directly, pedigree breeds can be bred from a very restricted gene
pool, making them much more likely to be susceptible to
certain genetic and congenital problems. Because of
this, all pet insurers will identify particular breeds as
higher risk and almost always set premiums
that reflect the increased risks associated with these breeds.
This means that owners of these breeds
will pay more in premiums.
If you have any other
questions, please don’t hesitate to contact us on 0800
738 678!
© 2006 Beneficial
Insurance
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