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@ExTra
Also, you probably know that, some insurers can pay your vet directly, some don’t. With JL, I had to pay them first then claim my money back, without a 100% guarantee than my claim would be successful, they then sent me a cheque! A cheque!
With Petplan, they preauthorised Patch’s tooth removal a couple of years ago so I didn’t have to pay anything. I think they just took out the £85 excess from my next month direct debit or did they add it to my vet bill? Can’t remember now, point is, I didn’t have to queue up in a bank or fill out any form or even make a call. It was all done via the vet in lightning speed.