Veterinary practices are improving their services all the time and as human medicine progresses some of the diagnostic techniques and treatments find their way into veterinary practice.

Whilst advances in veterinary medicine mean we can do more for your pet, treatment costs can soon mount up. We recommend lifetime cover pet insurance to all our clients to help cover unexpected vets’ bills.

For more information about pet insurances please visit our blog: https://www.simplycats.net/post/why-cat-insurance-matters-peace-of-mind-for-you-lifesaving-care-for-them

Insurance Protocol At SimplyCats Veterinary Clinic

Insurance Summary: There are two options to use your insurance

Option 1: choose the standard insurance claim

- Pay us in full at the time the services / products are provided

- Instigate the online link to your insurance company requesting they pay you

directly

Option 2: choose the direct insurance claim

- Present a copy of your policy documents, clearly showing the excess and any co-payments due, plus any vet fee allowances per policy start date and per policy year.

- Pay your excess, any co-payment, and the direct claim admin fee at the time

the services / products are provided

- Instigate the online link* to your insurance company, within 3 days requesting

they pay Simply Cats Vet Clinic

*with the exception of those companies that require paper copies

Any excess and co-payments set by your chosen insurer in your incurance policy are to be settled to SimplyCats on the day the products/services are provided.

The process step by step:

Insurance claims are the responsibility of the client. Clients must instigate the online link for their insurance request, within 3 working days, for all initial appointments AND continuation requests themselves, with the exception of the following which require paper copies:

More Than (policies prior to 19/08/24), Pets at Home, The Pet Emporium, MI Pet Insurance, Admiral

Payments:

Depending on the insurance company clients can choose from two options:

Option 1: Standard insurance claim - this is where the client pays SimplyCats for the services /

products received at the time and claims back from their insurance company.

Option 2: Direct insurance claim - this is where the client requests that their insurance company pay SimplyCats directly. With the exception of PetPlan, there is a small administration fee for this service, per condition, per policy year for this service. Clients must agree that any refusal by the insurance company to pay, must then be settled by the client**

Before we can consider a direct insurance claim we require you to:

1. Provide your pet insurance policy details: Company name, policy no, inception date,

level of cover and vets fees, applicable excess (emailed to topcat@simplycats.net).

This needs to be comprehensively checked by us before a direct insurance claim can be

authorised.

2. If your chosen insurer’s protocol requires a client-generated claims link, this is to be

provided to us within 3 working days of the services / products being provided.

3. If your insurance documents are not clear as to whether treatment would be

covered, we may request a pre-authorisation form / link and this is to be provided to

us by the client within 3 days of the request.

Any excess and co-payments set by your chosen insurer in your insurance policy are to be settled to SimplyCats on the day the products / services are provided.

If continuation claims are to be submitted and a co-payment is a contributory part of your insurance policy, that is to be paid immediately after treatment/collection of medication to SimplyCats.

**All direct claims are expected to be settled by your insurance company within 30 days and in most cases this does happen. If the insurance company declines to pay due to a clause within the client’s insurance policy, the client will be expected to pay within 14 days.

On the occasion we do not receive timely payment from an insurance company. We will liaise

directly with your insurer to chase this up. If we still fail to receive payment we will contact you to progress the claim yourself with your insurance company. Claims not settled within 60 days following the above client contact, will have to be settled by the client in full to the practice within 14 days of this final communication.

If you are unsure about any of this, please contact our friendly reception team who will be happy to help.