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If you wish to submit an insurance claim for your horse, you will need to obtain a claim form from your insurance company. Before you do so, it would be a good idea to check your policy to make sure you do not have any exclusions. Making an insurance claim can be a daunting experience so we at Shotter and Byers are on hand to help you. Please read on for full details of making a claim.
How does it work?
Once the attending Vet has made a diagnosis for your horse and you can confirm your horse has not suffered from this particular illness/injury before, we can assist you with opening a new claim. If, however your horse has suffered from this illness/injury before, please discuss with the attending Vet to discuss your options.
If your insurance company authorises your claim, please be aware that your horse will only be covered for a year from onset of the injury/illness. You will only be able to claim for this injury/illness once. Thereafter this claim, an exclusion for this injury/illness will be placed on your policy.
What do you need to do?
As the policy holder, you will be required to contact your insurance company and inform them of the injury/illness. Your insurance provider will open a new claim for you, issue you with a claim number and supply claim forms (some claim forms can be found online). Please enquire as to whether you have any exclusions and inform your Vet immediately. The Vet will need to know your claim limits and if you have any policy restrictions.
If you have been previously registered with another practice during the time you have owned your horse, you must request the records to be sent to us to accompany your claim (failure to do this may result in delay or termination of your claim).
Once you have received the claim forms, you are to complete them to the best of your ability, sign and date the forms and forward them by hand, by post or by email to your attending Vet. Our address is Shotter and Byers, Furzen Cottage, Furzen Lane, Walliswood, RH5 5QE or alternatively email your claim form to email@example.com We will need you to obtain a continuation form to accompany our invoices for any further visits made by the Vet, related to this claim.
If you have asked your insurance company to pay you directly, we will require you to settle your bill in full along with our insurance administration fee of £26.40. If you have requested your insurance company to pay us, we will require you to pay our insurance administration fee of £26.40 and your insurance excess fee. The excess fee is the amount that your insurance company will deduct when they settle your claim. Your claim form will not be processed until your insurance excess and administration fee has been paid.
What happens next?
Once we have received your payment and submitted the claim forms, we will regularly keep in touch with your insurance company (please inform your insurance company that you are happy for us to do this) and we will answer any questions they require to proceed.
This procedure can take a couple of weeks. Your insurance company will keep you informed if they require any information from yourself (it is most helpful if you could inform us if this happens).
Please note that your invoices and letters regarding your account will continue to be generated and sent to you until the balance on your account has been paid in full. Please note that you will be liable for any shortfall in fees which is not covered by your insurance company.