Insurance and Payment

Financing your visit.

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Insurance and Payment

Financing your visit.

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Pet Proactive

At The Vale Veterinary Group, we’re proud to partner with Pet Proactive to bring a fresh approach to pet insurance for dogs and cats, offering benefits tailored specifically to our clients.

Pet insurance is an essential way for pet owners to manage unexpected costs. In the unfortunate event of an emergency, it allows us to provide the best possible treatment, improving your pet’s chances of recovery and quality of life.

However, many traditional insurance plans come with complicated terms, exclusions, and frequent complaints about significant price increases as pets age—precisely when insurance is needed most. Pet Proactive was created to address these challenges. By crafting insurance plans specifically for veterinary practices, they simplify the process and remove the stress, so you can focus on what matters most—your pet’s well-being.

Pet Proactive lifetime policies offer a variety of benefits, including:

  • Clear and straightforward policies with exclusions clearly stated upfront
  • Coverage for treatments or referrals prescribed by our practice, up to your policy limit*
  • Fair premiums based on our pricing, with no penalty for making claims
  • A single annual excess payment, no matter how many conditions you claim for, up to your policy limit**
  • Direct claim processing through The Vale Veterinary Group for added convenience
  • Coverage for treatments at other practices if you’re traveling
  • Lifetime coverage with limits that reset every year

If your pet already has insurance, Pet Proactive can perform a free switch check to let you know if you can switch to them ahead of your renewal and whether any pre-existing conditions will affect your pet’s policy with Pet Proactive.

To enroll in Pet Proactive, your pet must be under six years old, and you’ll need to be registered and maintain primary care with The Vale Veterinary Group. Visit the Pet Proactive website for more details.

Please note that while The Vale Veterinary Group accepts direct claims for Pet Proactive clients, treatments at other clinics or referral centers may require upfront payment, which can then be reimbursed within policy limits.

Lastly, Pet Proactive policies don’t include liability coverage, so you may want to explore separate options if needed—this is often covered under home insurance policies.

  • *Pre-existing conditions are excluded
  • **Provided monthly premiums are current

To get instant prices for your pets under 6 years old visit the Pet Proactive website

Guide to Using your Pet Insurance

Settlement of Claims

As soon as you are aware that you need to make a claim on your insurance policy, you should contact your insurance company to ask them how they would like you to

Settling the Account

It is our policy to request that you settle the account with us. We will then process a claim on your behalf and your insurance company will reimburse you

Additional Information

Your insurance company may ask you directly for additional information to help them make their decision. Please reply to them promptly so as not to delay processing your claim.

Multiple Conditions and Excesses

When a claim is made, your insurance company will insist upon a full and complete medical history, from us and any previous practices you have

Direct Claims

In certain circumstances it may be possible to arrange for the insurance company to pay us directly.
This needs to be preauthorised by the practice

Claim forms

As explained previously, many insurance companies don’t need a paper claim form anymore, however, please do not assume that your company is one of these.

Paper Claim Forms

You should complete the owners’ section of the claim form, including policy holders’ details, animal details, policy number, condition, date, and signature.

Electronic Claims

Your insurance company may accept electronic claims. These need to be initiated by you, they will send us a link to reply to or they will tell you to give us your

Policy Types

Insurance companies are now regulated by the FSA. There are generally 3 types of policy, annual, lifetime and maximum benefit.
Annual or Time limited policies

Settlements and Changing Your Insurance Company

If you do not agree with your insurance settlement, you need to speak to your insurance company directly.

Time Limits

Some insurance companies may impose a time limit for claim submissions. If you miss the deadline, your insurance company will not consider the claim.

The Vale Veterinary Group cannot accept responsibility for any claims declined or any information given incorrectly so it is very important that you check your policy thoroughly.