INSURANCE
Insurance for your pet and horse

We would recommend that you seriously consider insuring your horse or pet. It covers those un-expected bills that catch us all by surprise. Insurance will help you and your horse or pet to get the best option and treatment.

We have a range of insurance companies literature available at our receptions. You can read them, take them away and make your own decision which policy suites your particular requirements.

An insurance policy may not cover all treatments or costs (for example overnight livery for horses or overnight stay for a pet) and will certainly have an excess of some sort. Please make sure you understand what the policy offers.

Here are a few points to remember and take note of when insuring your pet -

• Your insurance policy is a contract directly between yourself and the Insurance Company.
• Under recent changes in insurance regulations introduced by the Financial Services Authority (FSA) we are not permitted to be involved with mediation on your behalf with insurers other than to provide factual information.
• It is your responsibility within our normal payment terms to make full payment to House & Jackson for the work done and the service provided. You claim back any monies directly from your insurance company independent of the payment to House and Jackson. However, we appreciate that animals receiving treatment can be costly, and in exceptional circumstances, it may be agreed, at our discretion, that the Insurance Company will pay House & Jackson direct.
• If you have an exceptional agreement made on your balance, and the Insurance Company are to pay us direct, you must pay your excess and any other non insured items like livery/boarding and vaccinations etc at the outset before we proceed with the agreement for your insurance company to pay us directly. We ask that you provide us with a valid certificate of insurance when you make a claim on your insurance.
• Regardless of whether you have an exceptional agreement or not, you will continue to receive monthly invoice/statements showing your balance as you are responsible for payment of your balance at all times. You are responsible for chasing up your claim as under new regulations we are not permitted to pursue payments of your claim on your behalf. If we have not received payment of your insurance claim within two months of the claim being submitted, you will be expected to pay the balance in full, as we do not, as a rule, offer credit facilities.
• Continuations - If you have further work that is related to an insurance claim, i.e. re-examinations etc, you are responsible for contacting your insurance company and obtaining the continuation forms etc. Again, we are not permitted to do this under the regulations.
• We ask that you keep us updated as often as possible if you hear from your insurance company or you have spoken to them with regards to the progress of the claim. This will help us keep our records up to date and understand the progress of the claim.
• The new FSA rules are designed to regulate the sale and management of general insurance. We will help you all we can within these regulations and are always willing to lend a sympathetic ear.

If you have an insurance claim question then you can call our insurance administrators who are available each morning (except Saturdays) to help you.