Please read our Guide for Pet Insurance.
Royal and Sun Alliance (RSA) Preferred Referral Network
Royal and Sun Alliance underwrite a number of pet insurance policies including those by the
following companies; Argos, Homebase, John Lewis, M&S, More Than and Tesco. RSA have
introduced a ‘Preferred Referral Network’; a list of referral veterinary practices they would prefer
you to use for your pet’s treatment. This list is not an indication of specialist qualifications or of
experience and it does not include many of the largest referral practises in the United Kingdom;
Coast is not currently on this list.
If your policy is underwritten by RSA then you will need to contact them prior to the referral
appointment with Coast. Your insurance company may encourage you to take your pet to a
‘preferred practice’ from their list. Please remember that you can choose where your pet is treated.
If you choose to be referred to Coast then your insurance company may seek to withhold £200 from
your claim since we are not on the ‘Preferred Referral Network’. This will be in addition to your
normal excess as detailed in your policy documents. In the following circumstances RSA have stated
that this additional £200 may not be withheld:
• If your pet is insured with John Lewis
• If it is an emergency situation
• If you would otherwise have to travel a long distance to a ‘preferred referral’ practice
Coast does not believe that you should be restricted in your freedom to choose the most
appropriate care for your pet. If your Insurance Company chooses to withhold £200 from your claim
Coast will assist you in meeting this cost. We will be happy to reimburse this £200 if:
• Your pet’s treatment cost with us exceeds £1200
• You forward us documentation from your insurance company stating that this £200 payment
has been withheld