FAQs
When does my cover begin?
Your cover begins the moment we receive your application. You will immediately be forwarded an email confirming cover.
Please note, we cannot pay for an illness that occurs within the first 30 days of policy inception.
Why have I received documents from Creation Consumer Finance?
Payment by instalments is via an interest free credit agreement with Creation Consumer Fincnace. You will be sent an agreement. However, You do NOT need to sign or return the form, as this is for information purposes only. It is a legal requirement that the form is sent to you. You may cancel the insurance and stop payments at any time without recourse to the outstanding premiums, providing no claim has been made.
What is the maximum time limit for me to submit a claim?
You have up to thirty days after the completion of treatment to submit your claim forms. We advise that you do this as soon as possible as your vet will prefer to receive his payment at the earliest possible date.
What are direct claims?
We pay claims directly to the veterinary practice. As opposed to you paying the vet then us subsequently we reimbursing you, minus the excess.
Do I have to claim directly?
Direct claims are our preferred method of payment. However, if either you or your vet would prefer not to use this method please instruct your vet to make a note on the claim form that he has been paid so that you, the client, can be reimbursed personally.
How do I cancel my policy?
Our policy offers you a 14 day cooling off period in which to cancel your policy. In this case, our administrator will cancel your cover provided that you have not made any claims on the policy. To do this simply call 0844 375 5660.
If you wish to cancel your policy after the cooling off period, call or write to the administrator.
How can I get I contact you?
To contact a member of the Vets' MediCover team please call 0845 194 9751 or email info@vetsmedicover.co.uk.
Can I change my direct debit details?
To alter your direct debit details please call 0844 375 5660 and we will be happy to make the necessary arrangements.
How do I complain?
To complain please call Vets' MediCover on 0845 194 9751 or mark your email with the subject ‘complaint' and send it to info@vetsmedicover.co.uk.
VetsMediCover
124 Melton Road
West Bridgford
Nottingham
NG2 6EP
Who are the insurers / underwriters?
This policy is underwritten by White Horse Insurance (Ireland) Limited through a facility operated and managed by Strategic Insurance Services Ltd (master policy number SISCR 07-09- 129/0026) an insurance intermediary authorised and regulated by the Financial Services Authority (fi rm reference number 307133). White Horse Insurance (Ireland) Limited, 14 Clyde Road, Ballsbridge, Dublin 4 Republic of Ireland are regulated in the Republic of Ireland by the Irish Financial Services Regulatory Authority.
What is a select breed dog?
How do I claim?
To claim call the claims administrators, on 0844 375 5660.
The administrator will issue you with a claims reference number.
Once you have received your claim form, complete it together with your vet and forward the completed claim form to the address on the form.
What is the maximum pay out in a year?
You can claim for up to £10,000 a year. This is the maximum cumulative amount that can be claimed for any number of claims within a twelve month period. The 'pot' refills every year so you can claim for up to £10,000 for each and every year that you continue with our cover.
Can I claim for routine vaccinations?
Unfortunately you cannot claim for routine vaccinations.
Are there any age restrictions?
We can cover dogs and cats that are aged between eight weeks and eight years of age at the point of policy inception.
Will you continue to renew my pet's insurance when he or she is old?
Providing that you take out cover before your pet reaches his or her eighth birthday we will continue to insure your pet into old age.
You must continue to pay your monthly or annual premiums on time, any break in cover would lead to your policy being cancelled and unfortunately it would not be possible to resume cover for a pet over eight years of age.
Can I apply if my pet has any existing conditions?
Before taking out pet insurance with us you must inform us of any current conditions or previous illnesses and unfortunately we cannot cover you for these conditions. However, your pet's previous medical history will not affect your premium.
When you take out a policy you should always check your terms and conditions in conjunction with your Certificate of Insurance to see what is and what is not covered.
What does lifelong cover mean?
Lifelong cover means that your pet is covered for certain conditions for its whole life, covering conditions such as diabetes that require treatment from your vet for an extended period of time. Some policies limit the amount of money or time that you can claim for any named illness or injury. We, however, offer an indiscriminate £10,000 per annum to be spent on any necessary veterinary treatment for every year that you continue to use our product; this is lifelong cover.
Is my pet covered for dental treatment?
Your pet will be covered for veterinary dental treatment providing that your pet has received a dental (health) check from a vet within the last twelve months.
Are there any dogs that you will not insure?
Unfortunately we cannot insure dogs used for guarding, coursing, racing or registered under the Dangerous Dogs' Act; Pit Bull Terriers, Dogo Argentinos, Perro De Presa Canarios, Japanese Tosas or Fila Brasileiros.
Are hereditary or congenital diseases covered under this policy?
Providing that there are no clinical signs of these diseases when you take out the policy we will cover your pet for any hereditary or congenital diseases.
What does third party liability mean?
If your dog or cat causes an accident due to your negligence, for example biting someone or causing a road traffic accident. We will compensate the third party for any injury or damage caused should they make a claim against you.
Our third party liability cover applies only if you do not already own this cover. For instance, liability cover is often included on your household insurance, if this applies to you then our insurers will not be liable for this claim. Our policy only acts in the absence of any other cover.
What is complementary treatment?
Complementary therapy is an alternative treatment that is not considered to be standard veterinary practice.
Accupuncture, homeopathy, chiropractic manipulation, hydrotherapy, osteopathy, physiotherapy and treatment for behavioural illness all fall into this category. If such treatment is recommended by your vet then we will pay for the cost of an examination, consultation, advice, tests and legally prescribed medication.
When will my first direct debit be due?
Your first payment will be taken 20 days from the date you took out your policy.
You have changed your prices, how does this effect me?
If you have a policy with us already, your prices will remain the same for the duration of your annual policy. When we invite you to renew with us, the prices may increase.
I was attracted to VetsMediCover pet insurance because of its high level of cover. One of my dogs had to have a cruciate ligament operation recently. The claim was immediately settled by VetsMediCover, who paid the vet direct. An enormous relief considering that the treatment cost £3,700.
