How to make a claim

These days it’s very simple to make a claim.
Although companies will differ in their requirements, some principles
are generally the same, but it will also depend on what you are
claiming for. For example, if you are making a claim for vets’ fees, some
companies can now let you make minor claims over the phone,
without having to fill in a claim form at all.They process your request
and can send you a cheque within a matter of days. If the claim is
small and straightforward and you are a long standing customer, they
may not even request any evidence or receipts.
However, for larger and more complicated claims, the process may be
slightly different.The company will probably send you a claim form for
you to fill out and sign.You will then have to pass it to your vet to complete part of the form with the necessary medical details, outlining the
treatment and the cost etc.The surgery will either pass it back to you to send to the insurance company or will send it to the company directly.
If your claim is more serious or complicated, for example a specialist operation, you may have to get permission from the insurance company
before you go ahead.You may even need a written diagnosis from the vet before the procedure can continue.
If the claim involves a third party you must notify your insurance company in the first instance and they will sort it out directly with the third party.
Although each insurance company may differ in their claims procedure, the way they process your claim and the amount of time they take to
pay, the claims process will often start with a phone call.

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