Pet Insurance help

[Caterpillargirl23]

Our dog needs an operation. The cost is likely to be more than the insurance will pay.
My question is will the insurance pay the maximum and we pay the extra plus the excess?

Say the total cost is £4,000 for the procedure.

Insurance pays £3000.

We pay £1000 which includes the excess.

Yes. They should cover up to the maximum amount on the policy - providing the required care is within the policy coverage.

Coverage is often limited to a year, so if further treatment (even for a different issue) was required within the 12 month period, you would also need to cover this.

Have you read through your policy?

I would give your insurer a call though as they would be able to confirm.

Thank you. I thought I'd ask here before I contacted the insurers (MN is quicker).
We're at the beginning of the insurance year, so would have to hope nothing else came up.

If it's not an urgent operation some insurers do a pre-authorisation from vets quote to agree to cover so you aren't left hoping they'll pay up when the claim goes in. While they should cover to max for policy minus excess you'd owe them unless you'd already paid it.

You need to check your policy details as some crap insurers rely on people not bothering to read them so they only discover when they need to claim it has some major limitations in the small print and isn't actually the maximum vet fees advertised as a pot to spend as please but x for surgery or y for diagnostics etc.

Yes, my insurers will pay my vets what they cover, and then my vets will call me to tell me what I owe.

Yes, that's generally how it works. I would absolutely ring the insurance company before the procedure though to make sure everything will be covered, though.