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RSA has confirmed the initial 27 practices that have joined its new Preferred Referral Network, launching today.
The creation of the network means that whilst veterinary surgeons can continue to appoint referral practices as they do now, owners of animals needing a non-emergency referral outside the RSA network may need to pay £200 towards the cost of treatment.
The new rules currently apply to holders of policies issued by Tesco Bank and MORE TH>N, however RSA says it is in discussion with other insurance brands about adopting the new network.
RSA says the Preferred Referral Network will enable it to provide competitively priced products and deliver a range of benefits for customers including:
The company is highlighting the fact that its new network fields 178 RCVS, EBVS or AVMA recognised specialists, 49 Diploma holders and 71 Certificate holders or Advanced Practitioners, working at a mixture of large, multi-disciplinary centres (including five with links to university teaching hospitals), independents and corporates.
RSA says that over the last 12 months, vets have directed more than half of all RSA cases to the 27 practices in its network.
Bill Paton, Claims Director for UK and Western Europe said: “We are delighted to have twenty seven practices from around the UK join our preferred referral network. This is a huge step forward and will enable us to continue to provide competitively priced insurance cover with access to the highest standards of veterinary treatment and care.
"We expect further practices to join the Network in due course and we are actively engaged in discussions with a number of referral practices of varying size and scale, which have expressed an interest in joining."
The 27 referral practices are:
South East
South West
Midlands
North East
East
Scotland
* referral arrangements still being finalised
RSA has announced the rollout of its UK-wide network of preferred referral practices.
The scheme caused widespread concern within the profession when it was trialed in the Midlands earlier this year, primarily because of fears that it would reduce general practitioners' freedom to refer an animal to a centre that they felt could provide the most appropriate care for both the animal and the owner. In addition, RSA's claim that it was aiming to provide like-for-like care at a lower cost was undermined by the fact that the network could hardly field a single RCVS Recognised Specialist amongst its numbers. There were also concerns being voiced about the terms under which referral practices could join the network.
However, the underlying challenge of keeping pet insurance affordable remains. RSA says that according to its research, and based on Association of British Insurers averages, 27% of its customers pay more for their pet insurance than the average cost of home insurance; 17% pay more than the average cost of car insurance and 3% pay more than the average cost for private medical insurance.
It does seem as though RSA has been making a concerted effort to adopt a more collaborative approach before the nationwide rollout, having meetings with both the BVA and BSAVA which the respective organisations described as 'constructive'.
The current state of play is that RSA is inviting referral practices to join its network in advance of a launch some time after the end of the year. Thereafter, VetSurgeon.org understands that clients who decide to opt for a non-emergency referral outside its network will be subject to an additional flat fee which has yet to be announced.
Bill Paton, Claims Director for UK and Western Europe said: “The introduction of this new preferred referral network ensures that our customers will receive the most appropriate available treatment as diagnosed by their vet.
"For us, being able to control costs with our vet partners in the network will help us manage our claims cost more effectively and ensure that policy limits last as long as possible.
"Ultimately, this will have a positive effect on premium rates for our customers ensuring that pet insurance remains affordable.”
For more information about joining RSA's referral network, email: rsa.pet@uk.rsagroup.com.
A group of some of the best-known referral practices in the country has issued a formal response to the recent announcement by pet insurance underwriter RSA that it is building a network of preferred referral practices to direct its clients to.
Whilst RSA has clarified the contents of a letter it sent to practices in the Midlands and North West, and apologised to the profession for the confusion it caused, it has not yet responded to any of the other concerns raised by the profession.
Perhaps chief amongst those is the claim by RSA's Head of Pet Claims, Keith Maxwell, that the company is looking to provide like-for-like treatment at a lower cost from its list of preferred referral practices.
Referral vets from Anderson Moores Veterinary Specialists in Hampshire, Cave Veterinary Specialists in Somerset, Davies Veterinary Specialists in Hertfordshire, Dick White Referrals in Suffolk, North Downs Specialist Referrals in Surrey, The Veterinary Cardiorespiratory Centre in Warwickshire and Willows Veterinary Centre in the West Midlands say that RSA's current list is simply not representative of the RCVS Recognised Specialist expertise and advanced therapies available within the veterinary profession, thereby making it impossible for RSA to offer like-for-like treatment, let alone at a lower cost.
Clive Elwood, Managing Director of Davies Veterinary Specialists in Hertfordshire, speaking on behalf of the practices who have expressed concern about the move, said: "An approach that focuses on cost-cutting rather than quality of patient care and lacks any genuine or objective process to benchmark clinical standards is inappropriate. Many multi-disciplinary centres place enormous value on the importance of Recognised Specialists being involved at every level of care including consultation, anaesthesia and imaging assessment and the proposed restrictions may preclude this level of service in some instances. We understand that balancing high standards of care and affordability for owners and insurance companies is an important issue and we hope insurers will work with all sectors of the profession to find constructive workable long term solutions."
Mike Martin of the Veterinary Cardiorespiratory Centre in Warwickshire added: "Owners buy pet insurance to ensure that they can access the best available expertise when their animals are ill. I don't think any owner wants to have their choice of practice restricted by insurance companies who are primarily concerned with encouraging shortcuts to reduce costs."
The British College of Veterinary Specialists has invited RSA to attend a meeting to discuss issues of concern, but says it hasn't thus far received a reply.