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Any advice appreciated on this. 
)
Last year end of August i noticed one of my dogs had a lump appeared on her little toe so made an appointment at the vet & rang the insurance to let them know & ask for a claims form in advance which they sent dated 30th August 2006.
Took dog to vet & was advised it was fatty tissue, nothing to worry about but would be better to remove it in the long term.
So i made an appt to have the lump removed BUT a series of events delayed the op, i cant remember exactly but i think i had the op arranged for the 2nd week in September but my car broke down, i then re-arranged it only to find out that my vet was on holiday for 3 weeks, whatever, but the op finally went ahead on 16th October.
When i collected her later that day 16th October i also gave them the claims form to send off to the Insurance.
Today 01/02/07 i receive a letter from the Insurance telling me they are not going to pay the claim as they did not receive the insurance claim form from the vet until the 5th January 07!!
Basically the op was done 16th Oct 06 & the vet did not return the claim form until the 5th Jan 07 nearly 3 months later. (w00t)
However it does state in the small print of the insurance that a claim has to be returned within 90 days of the incident happening sooooooo.................if i asked for the claims form on the 30th August 06 & op was actually done on 16th Oct 06, it means 48 days had elapsed BUT the vet still had 42 days in which to return the form & he didnt. :- "
If the vet now demands that i pay the nearly £400, where do i stand ??? :blink:
Although i gave it to him on the 16/10/06 with still 42 days in which he could claim he may now say that he thought their policy was within 90 days so thought he had ample time in which to return it. Although i am pretty sure the claims forms have the date they are issued printed oon them.
I have to ring the vet tomorrow so any advice would be greatly appreciated :thumbsup:
)Last year end of August i noticed one of my dogs had a lump appeared on her little toe so made an appointment at the vet & rang the insurance to let them know & ask for a claims form in advance which they sent dated 30th August 2006.
Took dog to vet & was advised it was fatty tissue, nothing to worry about but would be better to remove it in the long term.
So i made an appt to have the lump removed BUT a series of events delayed the op, i cant remember exactly but i think i had the op arranged for the 2nd week in September but my car broke down, i then re-arranged it only to find out that my vet was on holiday for 3 weeks, whatever, but the op finally went ahead on 16th October.
When i collected her later that day 16th October i also gave them the claims form to send off to the Insurance.
Today 01/02/07 i receive a letter from the Insurance telling me they are not going to pay the claim as they did not receive the insurance claim form from the vet until the 5th January 07!!
Basically the op was done 16th Oct 06 & the vet did not return the claim form until the 5th Jan 07 nearly 3 months later. (w00t)
However it does state in the small print of the insurance that a claim has to be returned within 90 days of the incident happening sooooooo.................if i asked for the claims form on the 30th August 06 & op was actually done on 16th Oct 06, it means 48 days had elapsed BUT the vet still had 42 days in which to return the form & he didnt. :- "
If the vet now demands that i pay the nearly £400, where do i stand ??? :blink:
Although i gave it to him on the 16/10/06 with still 42 days in which he could claim he may now say that he thought their policy was within 90 days so thought he had ample time in which to return it. Although i am pretty sure the claims forms have the date they are issued printed oon them.
I have to ring the vet tomorrow so any advice would be greatly appreciated :thumbsup:
