Will changing vet effect insurance claim?

[Dolliebobs]

Pony is lame atm, I had one vet out on Monday who I wasn’t very happy with. I will be paying the bill but not claiming via insurance as they didn’t do anything other than give us bute and said they will come out in 2 weeks. Felt like we wasn’t listened to.

i have a vet coming out next week who are known to be pretty amazing. The woman was so helpful on the phone and explained how claiming etc all works.

if I wanted to put a claim when they have been, will seeing the other vet first effect it? They said they won’t put lameness down on the reason they were called out.

stressed :(

You’re best off asking your insurance company. We changed vets halfway through a claim and it didn’t make any difference but if you ask your insurers you’ll know what their policy is

A friend of ours was using 2 vets at the same time and still claimed ok but one was a general equine vet and the other was a specialist lameness vet .

They said they won’t put lameness down on the reason they were called out.

That is fraud. What reason are they going to put in the notes? If you've never claimed for lameness before then which vet you use will have no bearing on your claim. Lots of animals see a regular vet and referral vet at the same time.
If you have an exclusion in your policy for lameness then they won't pay out no matter who treats the animal. I can't see how they can treat lameness with putting it in the medical notes. Surprised a professional is willing to take the risk of being struck off like this. If they're found to falsify medical records their career is over.

Iv never claimed for lameness, iv never claimed for anything before.

You have to provide the whole history on the claim form & so the claim will start with the first vet visit even though they didn't do anything, but it doesn't become an exclusion until 12 months has passed.

I had the following situation on my policy (pet plan/Allianz)

1. horse has colic seen by my vet given injection, vet leaves
2. no sign of improvement so vet called back - refers to equine hospital
3. seen by specialist vet & colic surgery
4. seen by a different vet practice for follow up on discharge due to location.

The claim exceeded the amount of cover I had but they had to pay out in order so they paid vet visits 1 & 2 in full then part of vet 3 & none of vet 4. It wasn't possible for me to pay vet 1 & 2 up front then just claim for vet 3.

You need to call the insurance company & explain the situation - they will deal with it from there.

There shouldn't be a problem unless you took out a new policy in between the first & subsequent visits.

Do you need to claim? Even by making an enquiry they will increase your premiums and write off the affected body part. Most lameness sorts itself with bute and box rest etc. If you're having x-rays, nerve blocks or other work ups you probably will need to claim.