Posted: 06/23/2022 | BY: Content Writer

How to make a claim

If the unfortunate happens and your pet falls ill or suffers an injury, you’ll need to make a claim on your policy.

Making a claim is quick and easy, which means you can focus on looking after your pet and ensure they’re back to their normal self in no time.

If you need to make a claim on your pet insurance policy, simply follow the steps below and check your insurer’s website for detailed advice on how to claim.


Pay your vet bill


Unlike human health insurance, you’ll need to pay your veterinarian out of your own pocket, then file a claim with your insurance company for reimbursement.

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Check your policy


It’s important for you to review your policy documents to see if the illness or incident is covered. Some pet polices exclude coverage for genetic or hereditary conditions, and usually don’t cover conditions your pet had before you took out the policy.

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Save all invoices

You’ll need to save any invoices you receive from your veterinarian as you may need to submit copies of these, along with any medical notes, as part of the claims process.

Contact your insurer

Get in touch with your insurance company as soon as possible, as you’ll normally need to make a claim within a set time period.

Submit a claim

Visit your insurer’s website to download a claim form or complete their online claims process. If you need to provide evidence of veterinary invoices, be sure to keep copies of everything you submit for your own records. Remember to submit claims for all treatments covered by your policy, no matter how small the bill, as they all add up and could be counted towards your deductible amount.


The information above is non-specific to any particular pet insurance policy and should be regarded as a basic overview of the type of procedures involved upon making a claim. Always refer to your insurer for specific, accurate information on the procedures and processes involved in making a claim.

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