Yes, sometimes but not automatically. Vets generally do not have a standard rule that says an insured cat or dog must be charged more simply because they are insured.
However, there are several reasons why the final cost can be higher when insurance is involved:
- Different treatment options may be discussed. If an owner has insurance, a vet may be more likely to discuss diagnostic tests, referrals or specialist treatment that might otherwise be difficult for the owner to afford.
- Referral to specialists can increase costs. Insured animals may be referred for scans, MRI/CT, specialist surgery or hospitalisation, which can make the overall claim much larger.
- Insurance excess still applies. The owner normally pays the policy excess and possibly a percentage of the bill, depending on the policy.
- Some insurers have maximum reimbursement limits. The vet may charge their normal price, while the insurer only pays up to what the policy covers.
- Prices vary between practices. Two vets can charge very different amounts for the same procedure, regardless of whether the animal is insured.
- Direct claims can involve administration. Some practices charge an administration fee for processing insurance claims, although this is separate from the veterinary treatment itself.
Does insurance itself make the vet’s price higher?
Not necessarily. A vet should have a price for a particular consultation, procedure or treatment, rather than simply adding an amount because the animal is insured.
There is, however, an important issue for pet owners: the price the vet charges and the amount the insurer considers reasonable are not always the same. This can leave the owner paying the difference.
For example:
Vet bill: £1,500
Insurance covers: £1,200
Excess: £150
Owner’s contribution: potentially £450, depending on the policy.
This is one reason why pet insurance does not necessarily mean veterinary treatment is affordable.
