When to claim pet insurance
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
4 replies 724 views
Hello. I made my first claim on pet insurance from L&G in September for X-rays and medicine after my cat started limping due to a high fall. It took about six weeks, but they eventually paid out in full. The X-rays revealed that the cat requires two separate operations to fix his kneecaps in place, done separately with 2-3 months of recovery between each surgery. This condition wasn't caused by the fall, but was discovered during the physical examination and X-rays. The vet said it would have become apparent at some point. The surgery isn't urgent, but the vet said it's probably better to do it sooner rather than later. My question is: how/when do I claim the insurance for this? The two surgeries are probably going to cost around £1800-2000 each. The cat is insured for £10,000 per condition on a lifetime policy, which is obviously more than enough. I don't know how this works though. For the X-rays and medicine we paid the vet and then claimed it back afterwards. Do I need to do this for the surgery or would the insurance pay the vet prior to the surgery being done? Or do vets do the surgery and then await payment from the insurers rather than from me? I just don't want to risk paying out £2000 twice and then finding out afterwards they won't pay up. Thank you.
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