Your pet has got into a scrape or been diagnosed with a condition and you need to claim on your pet insurance. Here’s when to get in touch with your provider and what they’ll need to know.

When should I tell my insurance provider about a visit to the vet?

Ideally, as soon as you know you might need to make a claim. Your policy should include a number you can call. If not, you can find it on the provider’s website or ring their switchboard and ask for the claims department. Of course, in an emergency you may already have had to pay the vet before you can inform your provider. In which case, keep all invoices and call your provider as soon as you can. 

What details will they need?

In short, give as much information as possible, but before you call make sure you at least have the following:

• Your policy number
• The reason for your claim
• The condition your pet has been diagnosed with
• What treatment has been recommended
• What the costs of the treatment might be

When should I contact my pet insurance company?

What does making a claim involve?

Once you’ve given your provider details over the phone, you’ll need to complete a claim form, which they’ll send out to you. Be sure to complete all sections as fully as possible. Your insurance provider may give you a set period of time to return the form, such as 30 days, but it’s best to complete and return it at the earliest opportunity.

Some sections of the form may need to be completed by your vet. If so, take the form to the surgery as soon as possible. Your vet may charge you for doing this; they might also send the claim form to your insurance provider for you.

Keep any evidence of how much your pet’s treatment might cost, such as estimates your vet gives you or any invoices for treatment already carried out.

Could a delay in telling the insurance provider cause problems?

Any delay in informing your insurance provider could delay the processing of your claim and mean you have to wait longer for a pay-out.

Insurance providers usually set a maximum period between when the event occurred and when the completed claim form and relevant evidence have to be submitted. This can vary among providers so check this as soon as you need to make a claim. If you fail to complete the form within this period then your claim may not be paid.

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Steph Corbett

Head of pet insurance

comparethemarket.com

"It’s always best to act quickly. Firstly, you don’t want to be out of pocket for too long if you’ve already paid your vet bills. And in some circumstances where time is crucial, such as if a pet is lost or stolen, your provider may be able to help you with the costs of advertising or offering a reward. In short, it rarely pays to delay."

Does pet insurance cover visits to the vets?

Whether the issue that required a visit to a veterinary surgery is covered under your pet insurance depends on the terms and conditions of your policy.

Almost certainly, the following will not be covered by your pet insurance:

• The costs of treating pre-existing conditions – injuries and illnesses from which your pet was already suffering when the policy started
• Routine medical treatment, such as check-ups, vaccinations, neutering and spaying.


Depending on how comprehensive your cover is, you may or may not be able to make a pet insurance claim for:

Dental treatment
• The costs of treatment if you take your pet abroad and it needs to see a vet in that country
• Alternative therapies, such as acupuncture or hydrotherapy

Why not compare pet insurance today? Start a quote telling us a bit about you and your pet’s needs. We’ll do all the leg work to find a policy that suits your needs. Just see how much you could save!

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