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How do I make a pet insurance claim?

How do I make a pet insurance claim?

Has your cat or dog got into a scrape or been treated for a medical condition? If so, you may need to claim on your  pet insurance. Here’s how you do it and what you’ll need to tell your insurance provider. 

Tom Harrison
Content writer
minute read
posted 10 OCTOBER 2019

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

Ideally, get in touch with your provider as soon as you think you need to make a claim.

If you’ve had to pay the vet before being able to tell your provider, make sure you keep all receipts and call them as soon as you can.

You’ll need to keep your insurance provider informed at all stages of the claim. For example, if your vet refers your pet for additional treatment elsewhere, you’ll need to let them know.

What details will I need to give?

It’s a good idea to give as much information as you can, but as a minimum, make sure you have these details to hand:

  • 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 or were.

What does making a claim involve?

Once you’ve given your provider details over the phone, you’ll need to complete a claim form. They’ll send this out to you, or it will be available online.

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 as soon as possible.

Some sections of the claim 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.

How long does it take to get a pay-out for a pet insurance claim?

Processing a pet insurance claim is usually straightforward and it should take between 10-20 working days to get a payout. If you’d like to know an estimated date for the payout, just give your provider a call.

Could a delay in telling the insurance provider cause problems?

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

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

Will my pet insurance costs go up if I make a claim?

It’s likely that making a claim will increase your pet insurance premium. Even though pre-existing medical conditions are nearly always excluded from cover under pet insurance, the insurance provider will take the view that if you’ve made one claim, you’re more likely to make another.

  • If you’ve claimed for a medical condition in the past the insurance provider will take your pet’s health into account when considering any new application.
  • If you’ve claimed for another reason such as an accident or your pet getting lost, the insurance provider is still likely to take the view that your claims history suggests your pet poses an additional risk.

When you come to renew your insurance, use our pet insurance comparison service to make sure you’re getting the right deal. But remember, if you want to buy a new policy, most insurers won’t cover a pre-existing condition.

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