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Pet Insurance

Does my pet need insurance?

There are significant advances in veterinary medicine that can even rival human medical care but these advances also come with a price tag.

Holding a pet insurance policy is an entirely personal decision

You are more likely to claim on your pet insurance than your car or household policies*.

Which insurance would you recommend?

It is important to be aware that not all pet insurance is the same. There are many providers on the market and they all vary considerably. We strongly encourage owners to choose a reputable pet insurance provider and a level of cover that will suit their financial needs in the event that they need to make a claim.

It is worth being aware that many policies limit either the amount of money that you can claim, or restrict the amount of time they will cover a condition for to just 12 months. The price you pay for your premium does not necessarily directly reflect the level of cover you get.

How do I make a claim?

In the event that you need to make a claim, we are here to guide you through the process, and make no charge for completing our section of the claim form.

You will need to obtain and fully complete a claim form from your insurance provider; some companies allow you to download a claim form online, others may send you one by post when requested.

If you are insured with Petplan we can supply a claim form to you.

We aim to process any claim form within ten working days of receipt.

Can I make a Direct Claim?

Owners are usually asked to settle in full at the time of any treatment. However, with prior arrangement and agreement, we are able to offer Direct Claims, meaning that your insurance company settle the claim directly to us; you simply pay your excess and any co-payment.

In order for us to be able to arrange a Direct Claim by your insurance company you must bring the following documentation with you:

  • A fully completed claim form
  • A valid and current certificate or schedule of insurance, detailing the level of cover provided
  • Details of your excess and any co-payment for this condition
  • Details of any exclusions or any limitations to your policy
  • Insurance provider have been given verbal authorisation by the policy holder to discuss the pets policy with Ash Tree Veterinary Centre


It is the owner/policy holders responsibility to ensure the level of cover they have chosen is suitable for the treatment or procedure undertaken.

Owners will be responsible in full for any shortfall in your insurance payment.

If your insurance provider decline to settle a claim, or any part of the claim, you will be liable in full for the fees owed to the practice.

If you would like to make a Direct Claim for your pet’s treatment, please contact the practice, and a member of our team will be happy to talk you through the process.

What happens if I do not have Pet Insurance?

For owners who do not have a Pet Insurance policy, or who’s policy is not adequate for their pet’s treatment, we would ask that any fees are settled in full at the time of consultation.