What is ‘pre-authorisation’?

What is ‘pre-authorisation’?

What is ‘pre-authorisation’?

‘Pre-authorisation’ or ‘pre-approval’ is when your insurance company agrees to pay a claim before the claim occurs. This can be particularly useful if a treatment plan becomes more complicated, or if your pet needs expensive surgery. If your policy allows pre-authorisation, it means you can know what you’re covered for and the reimbursement you are likely to receive from your pet insurance provider.

You will need to consider:

1. Does your insurer allow pre-authorisation?
2. Is the treatment your pet needs covered?
3. Can the insurer pay your vet’s practice directly, so you can avoid paying immediately?
4. Have I hit my annual limit? - if so, you cannot claim
5. Am I inside the policy’s waiting period? - if so, you cannot claim

The only people who can confirm the pre-authorisation cover available on your policy, is your pet insurance provider. You will need to contact them directly with any questions, and have a detailed look through your Policy Wording so that you are confident with your policy terms and conditions.