It depends on the vet and the insurance company and the amount.
Have I claimed ???? Just a bit ?????
Just a "little" MRI and x-ray worked out at £1400, so well done on taking it out and knowing you are covered. Have you made sure you have a life time policy and not a 12 month one.
Normally in my vet practise, if the amount is way up in the hundreds then they will claim direct from the insurance. If the amount is in the low hundreds then they expect you to pay and then they claim back. The vets always deal with the insurance claim forms.
Yes, the vet did get that amount straight from insurance. Had several that size over the years.
What I mean by "lifetime" cover is that some policies only cover for a particular condition for 1 yr only. So say a dog had an injury, once the year is up then you cannot claim anything to do with that injury again. Time has taught me that you often have to go way beyond the one year with some conditions.
Of course they do. Just like us humans need a doctor sometimes our little friends do to. But more vets should have payment plans. If they did more people would be able to afford taking their pets to the vets. Vet bills are exspencive and people aren't going to not have pets just because they can't afford the vet. So if more vets would let you pay out the bill or have some sort of plan like this it would be easier for people. And they would feel more comfortable seeing vets. I'm not saying it will solve everything but it would deffinatly help.