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Forms and Documents

Have questions or need to file a claim?

Take advantage of the resources below or contact our Customer Care Team at 1-866-725-2747.

File a claim by downloading the following form, filling it out with all necessary information, and including all relevant invoices.

Submit your form by:

Automatic Draft Form (ACH)

Fill out the following form to get monthly or yearly premiums deducted directly from your bank account.

Be sure to include:

Your Name, Signature, and Date

Bank Name and Address, Routing/ABA Number, and Account Number

A Blank Check

Claim Redetermination Request Form

Request a review of a previously processed claim by filling out the following form.

All Claim Numbers

Supporting Documentation

Your Name, Policy Number, and Pet Name

Dog Bite Follow-Up Questionnaire 

Complete the following form if you’re submitting a claim for a bite-related incident. 

Be sure to:

Answer All 9 Questions

Briefly Describe the Event

Include All Necessary Claims Docs with Submission

Questions? We Have Answers!

Yes! Online submission is quick and easy for AKC Pet Insurance customers. 

Just follow these 5 simple steps:

Log into the Customer Portal

Click on the “Claims” Link in the Left-Hand Navigation Bar

Fill Out All Necessary Fields

Include All Attachments

Click “Submit Claim”

Payment can be made with any major credit card on a monthly or annual basis. Payment by check is only accepted if paying annual premium in full.

Pet insurance policies usually have waiting periods for specific conditions.

AKC Pet Insurance has the following waiting periods:

Injuries - 2-Day Waiting period

Illnesses - 14-Day Waiting Period

Cruciate Ligament-Related Conditions - 180-Day Waiting Period

Intervertebral Disc Disease (IVDD) - 180-Day Waiting Period

Pre-Existing Conditions - 365-Day Waiting Period (Coverage Not Available in All States)

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How to file a pet insurance claim and get reimbursed for veterinarian bills

In most cases, you'll need to pay vet bills up front and be reimbursed. here's how..

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Having a sick or injured pet can be heartbreaking — and quite expensive. Pet insurance can help with the cost, but you typically need to pay the bill in full and then file a claim to get reimbursed.  

If you have a pet insurance policy, here's what may and may not be included and what you need to do to get repaid by your insurer.  

What we'll cover

  • What pet insurance does and doesn't cover

How to get reimbursed for veterinarian bills

Pet insurance companies that pay directly.

  • Bottom line  

What pet insurance does and doesn't cover 

Like traditional health care companies, pet insurance companies don't cover everything — especially preexisting conditions . In addition, most policies have a waiting period that can last anywhere from 14 to 30 days, during which your pet is not covered.

You may be able to get your pet covered for an illness they had in the past but fully recovered from. What's considered a "curable pre-condition, however varies greatly among providers. Any carrier should review your pet's records in advance to help you understand what is and is not covered.

There are quite a few things that standard pet insurance policies usually don't cover .

  • Pregnancy and birth-related costs
  • Congenital and hereditary disorders
  • Pre-existing bilateral conditions (like hip dysplasia or cataracts)
  • Regular wellness (like vaccinations and flea treatments).
  • Elective procedures (like spaying)
  • Non-medical services (like grooming and boarding)
  • Funeral or memorial expenses

Pet insurance policies typically do cover the following for covered conditions:

  • Hospitalization costs
  • Specialists
  • Diagnostic testing

Spot , CNBC Select's top choice for pet insurance, includes coverage for microchipping, acupuncture and alternative therapies. Its preventative care plan includes spaying and neutering and dental cleaning.

Spot Pet Insurance

The best way to estimate your costs is to request a quote

Policy highlights

Spot Pet Insurance offers accident and illness and accident-only coverage for cats and dogs. It has a variety of choices of reimbursement rates, annual limits (including an unlimited policy), and deductibles to cater your coverage to your needs and budget. The option to cover preventative care procedures and exams (including a dental cleaning and wellness exam) for an extra fee is available.

App available

Standout features.

There are no upper age limits for new enrollments to Spot and plans include coverage for microchipping. Spot also offers access to a 24/7 veterinary helpline to address questions about wellness and health concerns.

Embrace also offers coverage for alternative therapies, as well as for behavioral therapy and prescription medications.

Embrace Pet Insurance

A variety of maximum annual limits, reimbursement choices and deductibles allow you to tailor coverage to your needs and budget. A two-day waiting period for accident policies can also help get your pet covered sooner, though illnesses have a 14-day waiting period.

Embrace offers the option of unlimited annual coverage limits. It also offers coverage for non-invasive treatments, like chiropractic care, hydrotherapy and acupuncture.

Pay for treatment

You'll probably need to cover the full cost of your bill at the time of service. Most pet insurance companies need to review your claim before reimbursing, so get an itemized invoice from the veterinarian .  

Request reimbursement

Submit a completed claim form to the pet insurance company via its website, app, mail, email or fax, along with a copy of the itemized invoice, relevant medical records and any other required documentation.

Make sure you've updated your mailing address and bank account information so you can be properly reimbursed by mail or direct deposit.

Check the status of your claim 

It can take at least 10 to 15 days for a claim to be processed, though some insurers can take up to 30 days. You can frequently track the process on the company's website.  

If your claim is approved, you'll receive a payment according to your reimbursement level — typically between 70% and 90% of the total bill, minus any deductibles and/or annual limits.  

Some pet insurance companies will pay the veterinarian for you at the time of service, saving you the hassle of submitting for reimbursement. You'll need to make arrangements ahead of time and typically sign a release and other forms. Healthy Paws offers direct payments for situations where you can't pay your vet after treatment. You'll need to request it before your pet is treated, and direct payment is only available during business hours.  

Healthy Paws Pet Insurance

Healthy Paws offers accident and illness coverage with unlimited maximum payouts. It offers three options for deductibles and reimbursement options.

While Healthy Paws has one plan, it covers things that would be extras at other insurers, including things like prescription medication, alternative treatments, and hereditary conditions.

Pets Best also has an option to pay bills directly. It doesn't have an age limit for coverage and offers optional  wellness plans  that cover routine care. For humans with multiple pets, a 5% discount is available.

Pets Best Pet Insurance

Available in all 50 states, Pets Best is a standout for its affordable rates. While wellness policies are available, Pet's Best focuses on accident-only policies and accident and illness policies.

Pet's Best offers coverage to cats and dogs as young as 7 weeks old, and has no maximum age limit. An option to pay your vet directly is available.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Bottom line

Pet insurance can save you a lot of money, but you typically need to pay for care upfront. Make sure you know what is covered and hold onto invoices, medical records and other documents to get reimbursed promptly.  

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every pet insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of pet insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Step 1: Conduct a Direct Pay Pre-Check

Step 2: know your waiting period, step 3: review policy coverage, terms, and conditions, step 4: obtain a claim form and fill it out, step 5: submit the claim, step 6: verify that your claim was received, step 7: wait for claim review and processing, step 8: receive notification of approval or denial, step 9: cash the check or file an appeal, step 10: know how and where to complain.

  • Frequently Asked Questions

The Bottom Line

  • Pet Insurance

How To File a Pet Insurance Claim

It’s a multi-step process to get your funds

help you cover pet insurance claim form

Skylar Clarine is a fact-checker and expert in personal finance with a range of experience including veterinary technology and film studies.

help you cover pet insurance claim form

Obtaining pet insurance for your dog, cat, or potbellied pig is only part of the story. At some point, you will likely have to file a claim . As pet insurance usually follows a reimbursement model, it's good to know how that process works and when to expect your money. This article takes you step by step through the claims process.

Key Takeaways

  • Study your policy before you need to use it, so you know what’s covered and what’s not.
  • Obtain required receipts and medical records from your veterinarian following your pet’s treatment.
  • Fill out and submit the claim form in a timely manner.
  • Check to make sure your claim is being processed.
  • Arrange for direct deposit of your reimbursement to speed up the timelines.
  • If your claim is denied, know how and where to file an appeal.

If your insurance is one of the few that offer to pay your vet directly and you want to use it, you need to check with the vet’s office to make sure it accepts direct pay from your insurer before seeking treatment for your pet. If your vet doesn’t accept direct pay, you will be shifted to the insurer’s reimbursement plan if you go ahead with the visit.

Almost all pet insurance policies have a waiting period of 10 to 30 days from the date the policy starts until coverage begins. Make sure you are past the waiting period before seeking regular care. If you are dealing with an accident or serious illness, the waiting period may not matter and your pet will likely not be covered for this event.

To avoid financial surprises , make sure you know whether the treatment your pet needs is covered by your policy, as well as all pertinent terms and conditions.

  • Preexisting conditions exclusion: Most policies won’t pay for congenital defects, hereditary conditions, or anything diagnosed and treated prior to the policy start date.
  • Other exclusions: Preventive treatment or wellness care, dental care, vaccinations, flea prevention, spaying or neutering, and behavioral training are often excluded. However, some policies come with a wellness rider that does cover these exclusions.
  • Deductible: This is the amount you pay before coverage kicks in (after the waiting period). Some policies have a per-incident deductible; others are annual.
  • Co-pay: Once you meet the deductible, you may have to pay co-insurance or a co-pay. If your reimbursement rate is 80%, your co-pay will be 20%, for example.
  • Limit: This is the maximum amount (per incident and/or policy term) you will be reimbursed.

Insurers offer claims processing in several different ways. Many use online claim forms or a mobile app. Others let you download and print out the claim form. Familiarize yourself with the process used by your insurer by going to the insurance company’s website and looking for the section on claim filing—preferably before you need to file one.

Once you have access to the claim form, collect whatever additional documents you need, including paid invoices from the vet and any required medical records, such as the SOAP (subjective, objective, assessment, and plan) notes for the specific treatment your pet received.

Carefully complete the claim form, making sure you describe treatment, not symptoms, and follow all instructions completely. Your vet’s office can provide help if you need it.

Once you have completed the claim form and gathered all documentation, submit your claim online, via mobile app, email, fax, or by regular mail following instructions for including invoices and medical records depending on the process you use.

Submit your claim in a timely manner following treatment. Some insurers impose a 90-day or less time limit for filing a claim.

Depending on your insurer, you may receive notification that your claim was received or you may have to check with the insurer to get that information. How long that will take will depend on the process you use. If you submit online or via a mobile app, notification may be almost instant or within 48 to 72 hours.

Your first claim will likely take longer to process, as the insurer will want to review your pet’s medical history.

Some insurers say they process most claims within 24 hours, but 15 to 30 days is more common. Many insurers will want to review your pet’s medical history when you file your first claim. This will extend the time it takes to process this claim, with all subsequent claims processed on the insurer’s regular timeframe.

Your insurer may contact you during the review process to request additional information. Make sure you respond quickly, as the request likely resets the time clock on review and processing.

If your insurer offers direct deposit of reimbursement, signing up for it will speed up the process of getting your money.

At the end of claim review and processing, you will receive a notification that your claim was approved or denied, in full or in part. You will also find out the amount of your reimbursement. Approval may come with a check for the amount of the reimbursement or via direct deposit if you signed up for that ahead of time.

If your claim is approved and you agree with the amount of reimbursement, you’re finished. If your policy includes direct pay to the vet, you will be notified that the veterinarian has been paid and whether you have a balance due. If you disagree with the finding, your next step is to file an appeal.

The appeal process begins with your insurer. Check the insurer’s website for a section titled “Appeal” or “Claim Review.” Follow the appeal process instructions and be prepared for that process to take up to 30 days, just like your original claim.

If the appeal process proves unsatisfactory, contact your state insurance commissioner’s office. You can obtain contact information through the National Association of Insurance Commissioners (NAIC) or on your state government website.

Can You Get Insurance That Covers Routine Care for Pets, Not Just Illness?

Preventive treatments and wellness care are often excluded. But some companies offer separate pet wellness plans.

Can I Get a Discount if I Insure More Than One Pet?

Many companies offer this discount. Look for the one with the most favorable terms .

Knowing how the claims process works will help ensure that you get the coverage you bought. Be sure to gather the records you need, so you can back up your claims. If you don't receive your check, make the extra effort to appeal your case.

North American Pet Health Insurance Association. " NAPHIA’s Pet Insurance Buying Guide ."

MetLife. " Easy Claims Submission ."

Trupanion. " Your Trupanion Claims Experience ."

Nationwide. " Claim Turnaround Time. "

Nationwide. " Claim Review ."

help you cover pet insurance claim form

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  • File a claims form

Pet Insurance Claims: How to File a Claim

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • Most pet insurance plans allow you to choose your vet.
  • You'll be reimbursed based on your policy, but you have to pay your vet first.
  • Pet insurance can offer unlimited coverage to protect your pet.

Over years of working as a veterinarian, Dr. Brian Evans has seen significant advances in how well the veterinary system can care for pets. While that is good, it has one major downside: increased costs. Those costs are leading more and more pet parents to purchase pet insurance, something Evans sees as a no-brainer.

"One bad weekend in an emergency room can cover years of the insurance premiums, plus give you the peace of mind that you don't need to sacrifice care for your pet," Evans says.

Unlike human medical insurance, which pays the providers directly, even the best pet insurance plans provide reimbursements. That means you'll pay for the care up front, then receive a portion of the cost back from your insurer after you file a claim. The exact number will vary based on your deductible, coinsurance, and policy limits. Here's how to file a pet insurance claim in six steps.

How to File a Pet Insurance Claim

Insurance claims can be frustrating. Follow these steps to help make your claim process smooth.

Know your pet insurance plan

Before you can file a claim, you need to know what your pet insurance does and doesn't cover. There are a lot of variations in pet insurance plans. So do your due diligence before you need coverage.

"Make sure to check the fine print," says Dr. Rebecca Greenstein , a veterinarian with Rover.

There's no sense in submitting a claim for routine vaccinations, for example, if your plan only covers emergencies. Likewise, some accident and injury policies cover things like acupuncture, chiropractic care, and other alternative treatments. If your insurance plan doesn't, you can factor that into your budget before signing your pet up.

Finally, every pet insurance company defines "preexisting conditions" differently. Some companies cover "curable" preexisting conditions with a specific waiting period. Check the details of your plan when you buy it, and review it once a year to keep it fresh in your mind. Knowing these details can save you a lot of frustration and unexpected expenses.

Be clear about your pet insurance reimbursement

If you're making snap decisions about which treatments to authorize for your pet, the last thing you want to consider is finances. Unfortunately, Greenstein says, "Pet owners consistently underestimate the cost of emergency care, which can leave them in a precarious financial position."

Knowing the details of your insurance plan can keep you financially savvy even when emotions are high. Plans typically reimburse between 70-90% of the cost of eligible services. Pet parents should also pay attention to the maximum limits. For example, if your policy caps out at $10,000, you could quickly exhaust your annual limits with one major emergency. On the other hand, unlimited benefits will cover you if you can afford the 10-30% that your coinsurance demands.

When you have those numbers in mind, you can be realistic about what procedures you can and can't approve.

Pay your vet's invoice

Before filing an insurance claim, you must pay the veterinarian for their services. You can pay via cash, check, or credit card with most vets. Many vets will also work with CareCredit or other short-term loan programs to help you fill the financial gap while your claim is processing. Just be sure to get an invoice detailing your pet's treatments or services and the cost of individual services. The bill will be the basis of your reimbursement claim.

You should also ask your veterinary office for a copy of the SOAP (subjective, objective, assessment, and plan). This is a written document showing why a treatment was used, and you can use it to justify the treatment to your insurance company.

Get your pet's medical records

Many pet insurance plans only cover conditions diagnosed after you purchase the plan. A waiting period on certain conditions may also apply. In other words, your dog cannot be covered if diagnosed with certain conditions within your first year of pet insurance coverage. Most plans also don't cover pet dental care .

To prove a specific condition should be covered, you must send in your pet's medical record to confirm it's a new ailment. This could be as simple as sending the results of your pet's most recent annual exam. If it's been a while, a pet insurance company may wait for your next vet visit.

Of course, the best way to simplify the conversation about what pet insurance covers is to buy a plan when you bring your furry friend home for the first time. Choose carefully, as any known condition becomes a preexisting condition if you switch insurance companies. You can change plans without triggering this issue, but not companies.

"I highly recommend purchasing pet insurance the day you get your puppy," Evans says. "If you wait until they get sick, it will be too late and could potentially exclude them from coverage for the rest of their life."

Fill out a pet insurance claims form

Now that you have your supporting documents, you must file a claim. What this looks like depends on your insurance company. Some allow you to fill out a form via a mobile app, while others require you to print out and fax or mail the claim form to a set address. Lemonade allows pet parents to record a short video to describe their pet's medical claim.

Whatever method you're using, follow directions closely and attach all the supporting documents, including your paid invoice, SOAP, and pet medical records. Most importantly, don't delay., It's easy to miss deadlines, especially when your furry family member experiences a medical crisis. But most insurers will only process claims filed within 90 days of treatment. To ensure you don't miss out on reimbursement, contact the company to confirm your claim was received.

Many pet insurance companies brag about processing claims in one to two days. But, especially the first time, this probably won't happen. We recommend calling your pet insurance company if you're unsure at any point in the claims process. You can ask about expected timelines, see if they need more information from you, etc.

The trickiest part for many customers is determining what is and isn't a preexisting condition the first time and evaluating the cost of pet insurance before they need it. After that, everything else should follow your policy documents. So if you have a 90% coinsurance rate, you'd be reimbursed for 90% of the bill after your deductible is satisfied. Your policy documents are like a roadmap, offering a guide to what specific services are covered, common exclusions, etc.

You'll get a check or direct deposit if your claim is approved. If you took a loan with CareCredit or a similar organization, you could repay all or part of your loan with the reimbursement.

Sometimes, insurers will deny a claim. If that happens, check out your insurer's appeal process. First, get as much detail as possible on why the claim was rejected. Then ask your veterinarian if they can provide additional information to address the issues leading your insurer to deny the claim.

While filing a pet insurance claim might seem like a hassle initially, it's well worth the effort. Filing your claim and getting reimbursement allows you to provide the best care possible for your pet without compromising your financial health.

help you cover pet insurance claim form

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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  • Main content

How To File A Pet Insurance Claim

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Pet insurance provides a financial safety net if your four-legged companion gets sick or injured. It allows you to give your dog or cat the medical care they need without putting a financial strain on your wallet by filing a claim for reimbursement after the vet visit.

But what happens next? How does the claims process work and when can you expect to get your money back? This step-by-step guide will teach you how to file a pet insurance claim to help make an already stressful ordeal a whole lot easier.

Table of Contents:

What you'll need when filing a pet insurance claim

How to file a pet insurance claim with your provider, tips to speed up the reimbursement process, understanding the outcome of your pet insurance claim, how to appeal a denied pet insurance claim.

Here’s what you generally need to include when filing a pet insurance claim:

  • Itemized invoice. The vet bill should include all fees, taxes, discounts, and other costs. Make sure to have a look at your invoice at the time of payment to verify that the balance is zero dollars.
  • Veterinary medical records. You will also need to send your pet's medical records (SOAP records) with your initial claim. These medical records help identify any health issues the pet had before coverage started because pre-existing conditions are typically not covered by pet insurance.
  • Insurance claim form. Complete the claim form describing your pet’s treatment and make sure to follow the instructions completely.

Once you have all the necessary documents, it’s time to file a pet insurance claim. While the specific instructions will vary by provider, here are the general steps you need to follow.

Step 1: Go to the insurance company's website

Visit your provider’s website or mobile app to check your policy documents and see if you are covered for the claim you want to file. Depending on the insurer, you might be able to file your claim entirely online or you may need to give them a call to start the process.

Step 2: Obtain a pet insurance claim form

Some providers require you to download and print out a pet insurance claim form, while others use digital forms that you can submit online, via email, or directly through your account portal. For instance, to file a claim with Nationwide Pet Insurance , you’d go directly to the Pet Account Access Page, and to file a claim with Embrace Pet Insurance , you’d log into MyEmbrace.

Step 3: Provide as much detail as possible

The information you’ll be asked to supply will vary based on the pet insurance claim form, but you’ll most likely need to provide the following details:

  • Pet name, breed, and species
  • Medical history*
  • Date of the incident
  • Reason for your visit to the vet
  • Name, location, and phone number of vet
  • Medical diagnosis
  • Recommended treatment plan
  • Itemized expenses paid for out-of-pocket

*If you’ve never filed a claim with your pet insurance provider before, they may request to see your pet’s medical history leading up to the date of the incident to confirm your claim is unrelated to a pre-existing condition .

Remember that each insurance company is unique in terms of the information they require to process claims. For example, to file a claim with Lemonade Pet Insurance , you will be asked to submit a short video explaining what your pet was treated for, what happened during the vet visit, and any other relevant details.

Step 4: Attach supporting documents

Confirm which supporting documents you need to submit along with your pet insurance claim. Some examples might include a bill of service, invoice or quote, receipts of payment, and signed medical records.

Your provider may also request the SOAP transcript, or a written report by the attending vet that provides a detailed account of the treatment your pet received. The SOAP notes are often included with your medical bill, but you can always request them from your vet at the end of your appointment.

Some pet insurance companies allow you to digitally upload photos of these documents directly from your smartphone, while others request they be scanned and sent my email, fax, or snail mail.

Step 5: Submit the form to your insurance provider

Confirm all of the information you filled out is complete and without error, then double check the requested documentation to ensure it is included. Finally, once you verify that everything is in order, submit the claim to your insurance provider. Once you've submitted your paperwork, it’s a good idea to keep copies of all your documents on hand until the claim has been paid.

There are certain steps you can take in order to make sure the pet insurance claims process goes smoothly, so you can get repaid sooner rather than later:

Follow the instructions.

Verify that you’ve followed the pet insurance claim instructions to the T so you can avoid delays caused by skipping steps or missing information.

Submit your pet insurance claim as soon as possible.

It is in your best interest to get the ball rolling as soon as possible, especially for first-time filers whose pets will require a medical history review. Be mindful of your provider’s claim expiration window , or the amount of time you have to file a claim after an incident occurs. For most companies, the window ranges between 60 and 270 days.

Provide all medical records.

Regardless of whether you are submitting a pet insurance claim for the first or fifth time, you may need to include a copy of your pet’s medical records. Your provider might request this from the vet directly, but saving them a step could prevent any administrative delays at the front desk.

Stay on top of communication.

If you notice your claim submission is pending or under review, call your insurance provider to find out what the hold-up is and how to move the claim along. This will help you keep track of the progress and promptly address any issues they may have, which typically relate to missing or incomplete details. Promptly provide them and ask how long you can expect to wait for reimbursement.

If they determine they do need information from your veterinarian, give your vet office a call to alert them to the situation. Let them know your pet is a patient there and that your insurance company is requesting information from their last visit. If they don’t send it over by the end of day, follow up with a reminder in 24 to 48 hours.

Enroll in direct deposit.

If it’s an option with your insurance provider, be sure to enroll in direct deposit so you can get your reimbursement sooner. Rather than waiting for a check in the mail, this payout method allows you to have access to your money within a few days of your pet insurance claim being approved.

To ensure you’re satisfied with the outcome of your pet insurance claim, it’s a good idea to re-familiarize yourself with the specific details of your policy. If you don’t know your exact policy terms, you might be surprised by the amount insurance agrees to repay you, since only a few companies will cover 100% of veterinary bills and most require you to pay a deductible before your pet insurance coverage starts to kick in .

That said, here are a few things to keep in mind when filing a pet insurance claim and how you can expect your plan to work for you:

  • Waiting period: All pet insurance companies require you to wait a specific period of time before your coverage starts. If you file a claim during this waiting period, your insurance provider will not cover any expenses.
  • Eligible expenses: Only costs related to the medical conditions outlined within your policy are eligible for coverage through pet insurance. This generally excludes pre-existing conditions that were already evident before the policy was purchased, as well as elective procedures, and wellness services. Furthermore, the veterinary services that are eligible for coverage can vary depending on the provider and the type of plan you select. For example, Accident-Only plans will exclusively cover injuries only — not illnesses or breed-specific issues. If you had this coverage when filing a pet insurance claim for an acute sickness, you might be out of luck.
  • Deductible: This refers to the amount of money you must spend out-of-pocket before your insurance policy will begin to cover eligible expenses at the vet (unless you have a $0 deductible). Some policies have an annual deductible, whereas others have a per-incident deductible. If your annual deductible was $100 and your vet bill was $500, you would pay the first $100 and then your pet insurance coverage would kick in for the remaining $400 and immediately at all vet visits within the year of that policy term – unless your deductible applies for each incident, in which case, you would pay $100 for each unrelated incident.
  • Reimbursement rate: Pet insurance plans reimburse a percentage of the vet bill once your deductible is met. The rate of reimbursement typically ranges from 60% to 100% of the bill, leaving you to cover the remaining amount portion out-of-pocket (otherwise known as co-insurance, co-pay, or cost-share). Sticking with the example above, if you had an 80% reimbursement rate and $400 in eligible expenses, you would be reimbursed $320.
  • Payout limit. This is the maximum amount of money your policy will payout for pet insurance claims. Depending on the provider, the ceiling may be set per policy term or for the lifetime of your pet. Once you reach the maximum amount specified by your policy, you’ll be responsible for all additional vet costs until the payout limit resets (if applicable). Some providers offer unllimited payouts for life, but these plans can be expensive.

When you file a pet insurance claim, a claims adjuster will review your submission and determine whether insurance coverage applies and in what amount. However, if you're not happy with the payout sum you were awarded, or your claim is rejected altogether, you can try to appeal the verdict.

Look for a section titled "Claim Review" or "Appeal" within your policy’s fine print and follow the guidelines for the appeal process. You can usually find these instructions on your provider’s website, as well. If they find your reimbursement amount to be fair and you’re still not satisfied, you can file a complaint with the insurance department in your state . These agencies are tasked with policing insurance companies and keeping track of complaint patterns to protect consumers.

Questions & Answers

How do i know what's eligible for coverage.

You can use pet insurance to cover the costs of treating unexpected illnesses and injuries but since plans vary in what they cover, it is very important to understand what is eligible for coverage by reading the details of your pet insurance policy . Be sure to also read the fine print so you didn’t miss anything in the exclusions and restrictions.

How long does the claims process take?

The time it takes to receive your reimbursement will differ depending on the insurer but in general, insurers process claims in five to 14 days , as long as you submit all necessary documentation. Call your pet insurance company if you'd want to find out when to expect your payout. Depending on the provider, you might be able to track your claim online

Why was my pet insurance claim denied?

Insurance companies may reject pet insurance claims for a number of reasons. Most frequently, it's because the condition is regarded as pre-existing . As mentioned before, if this happens, you have the option to challenge the denial by filing an appeal.

Even if your four-legged friend has a pre-existing condition, you can still get pet insurance and it will cover ailments not related to the pre-existing condition. Use Pawlicy Advisor to compare different pet insurance plans side by side and select the best insurance provider for your pet.

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.css-3sl4ml{color:#E26C33;-webkit-text-decoration:none;text-decoration:none;}.css-3sl4ml:hover{color:#E26C33;-webkit-text-decoration:underline;text-decoration:underline;} Kari Steere .css-aqd080{font-size:16px;font-weight:bold;}@media screen and (min-width: 992px){.css-aqd080{font-size:21px;}} Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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  • Help and Support

How to claim on your pet insurance

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Karen Cornish

6 October 2022 | Updated 13 November 2023 | 4 minute read

Image of a man looking at his dog with pet insurance documents in hand

Pet insurance offers a safety net for owners. If you’re suddenly faced with a large vet bill due to illness or injury, the costs will be covered if you choose the right policy.

Here’s what you need to know about making a claim so you don’t end up out of pocket.

What can I claim for on my pet insurance?

Pet insurance covers the costs of vet treatment if your pet becomes ill or suffers an injury. It’ll usually cover complementary treatments too – such as acupuncture or hydrotherapy – if they’ve been recommended by your vet.

Policies will also often cover the cost of emergency holiday cancellation, special diets, third-party liability, behavioural referrals and compensation following the death of a pet.

What can’t I claim for on my pet insurance?

Cover exclusions vary between policies, so check your policy book to find out what you can’t claim on. Pet insurance won’t normally cover the costs of routine veterinary care like:

  • vaccinations
  • flea and worming treatments
  • dental treatment (unless accidental damage)
  • pre-existing medical conditions (identified or investigated by a vet or otherwise known about before your cover start date)
  • complementary treatments that weren’t recommended by your vet

Our Lifetime Platinum Pet Insurance covers dentistry as a direct result of an illness up to £2,000.

How much can I claim?

It depends on the type of policy you have. 

With lifetime cover you can claim up to the policy limits each year.

A time limited policy covers vet fees for 12 months from the start of symptoms or until you reach your limit. A time limited policy won’t reset at renewal so any vet fees relating to that illness or injury after renewal aren’t covered. 

When should I claim?

The sooner you inform your insurer, the better. Some insurers have a 30 day time limit on making a claim so check your policy book .

How to make a claim

You’ll either make your claim by filling in an online claim form or phoning your insurer. You’ll need to give as much detail as possible about what you’re claiming for, including receipts or invoices of treatment costs.

What you need to claim 

In addition to a completed claim form (which is likely to have a section to be completed by your vet) here's the supporting evidence you’ll need to provide for different claims:

An invoice from your vet. Your vet may also need to provide details of your pet’s medical history (including vaccination status).

Death of your pet from illness or injury

A death certificate from your vet, a receipt for the price you paid for your pet and a pedigree certificate if you have one.

Theft of your pet or straying

Your pet needs to have been reported missing to local rescue centres and vets before you can make a claim.

You need to provide receipts of any advertising paid for to help find your pet , a receipt for the price you paid for your pet and a pedigree certificate if you have one.

Third party accidental damage

If your pet has injured or caused damage to a third party , they can claim against your policy.

You need to notify your insurer as soon as possible if this is likely to happen and send any documents you receive from the third party to your insurer.

How is the money from a pet insurance claim paid?

Insurance providers can pay vets directly, but this is at the vet’s discretion so you may have to settle your bill and then claim the money back.

If your claim is accepted, it should take five to 15 working days to get your money back.

Will my pet insurance premium increase if I make a claim?

Your insurer may raise your premium at renewal if you’ve made a claim. This may not be due to your claim, as premium increases as your pet ages as the risk of them becoming ill increases.

What should I do if my claim is rejected?

Your insurer should explain why they’ve rejected the claim. It may be due to insufficient supporting documents or simply because the claim isn’t covered by your policy, so read your paperwork carefully before making a claim.

If your claim is rejected and you disagree, you should contact your insurer to make a formal complaint. If you’re still not satisfied, you can contact the Financial Ombudsman Service.  

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Pet journalist

I’ve spent 20 years writing about pets and exploring the wonderful relationships they have with their owners. I started as a staff writer on Dogs Today magazine, working my way up to become deputy editor in 2008. In 2010, I left the office to pursue a freelance career, relocated to north Norfolk and started a family. 

Over the years I’ve contributed thoughtful human-interest features, celebrity interviews and investigative news stories to publications including The Sunday Times, Dogs Today, Dogs Monthly and Your Cat. I’ve also ghost-written veterinary books and press releases for the pet industry.

When I’m not writing, I enjoy long walks in the Norfolk countryside with my rescue lurcher Popsie. These are always followed by tea and cake.  

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Claim online

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Submit your claim online

Kick start the online claims process through your My Petsure portal

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We can pay either you, or your vet directly

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We’re here for you

Our dedicated claims team are here to support you every step of the way

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Unlimited video calls with vets

Keep your pets happy and healthy with unlimited access to an experienced UK-registered vet 24/7 with FirstVet when you join Petsure.

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How to submit your claim

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1. Getting started

Login to My Petsure and visit the claims section or call our claims team on 0333 009 0998 .

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2. Submit your claim

Complete your claims form and attach any invoices/bills as well as sending details of the vets if you're claiming for treatment.

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3. We’ll liaise with your vet

Our dedicated claims team will liaise with your vet to process your claim as quickly as possible.

4. Payment made

We'll either send you, or your vet payment for any agreed claims, minus any excess fees and bill share.

How to claim

Before you get started with your claim, it's important to check a few details to make sure your claim goes smoothly.

What you'll need to start your claim...

  • Register for My Petsure so you can submit your claim online.
  • Check what you need to pay towards your claim and bill (check your excess and bill share) – these can be found on your Confirmation of Cover.
  • Have all of your vets details to hand. a.  Copies of any bills and invoices that need paying. b. Your vets address and email where your claim form can be submitted.
  • Confirm who needs to be paid – you or your vet.
  • Submit your claim.
  • We will acknowledge receipt of your claim. If anything is missing we’ll let you know.

If needed, you can download a paper copy of your claims form here .

Start your claim on My Petsure

Common Queries

Something’s wrong with my pet, what do i do.

If you’re unsure about whether or not you need to call your vet for an appointment, all Petsure customers have unlimited access to FirstVet. It’s a 24/7 vet video consultation service. Call them from the comfort of your own home without any additional fees.

If the vet you speak to on FirstVet thinks it’s a more serious issue, they’ll suggest what you need to do next.

What can I claim for on my pet insurance?

You can claim for anything that’s covered under your policy. It’s a good idea to check your Confirmation of Cover document and your policy wording before you need to make a claim to understand what you can claim for.

Do I have to pay anything when I make a claim?

It depends. When you make a claim, you might be asked to pay some of the bill.

The amount you’ll need to pay will depend on your cover limits, excess and bill share that you chose when you set up your policy.

When it comes to excesses for ongoing conditions, you’ll only be asked to contribute your excess once per policy year for that condition.

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FinanceBuzz

FinanceBuzz

New Report: 10 Most Common Pet Insurance Claims and Their Costs (Our Furry Friends Aren't Cheap)

Posted: February 7, 2024 | Last updated: February 7, 2024

<p> We don’t call them pets — they’re our fur babies and our besties, our doggos and our floofs. For many of us, pets aren’t just four-legged friends; they’re our life companions. We dote on them, give them special food, and spend big bucks on orthopedic beds for them. Some dogs and cats have collars and leashes for every day of the week. And some pets even have a more extensive wardrobe than their owners do. </p> <p> There’s nothing wrong with cherishing your four-legged BFF, but are you also planning and saving for unexpected emergencies? Veterinary care can be expensive, even for a yearly checkup. Embrace Pet Insurance shared a list of the most common pet insurance claims that reveals just how expensive vet care can be. </p>  <p><a href="https://www.financebuzz.com/supplement-income-55mp?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=16199&synd_backlink_title=Make+Money%3A+8+things+to+do+if+you%27re+barely+scraping+by+financially&synd_backlink_position=1&synd_slug=supplement-income-55mp"><b>Make Money:</b> 8 things to do if you're barely scraping by financially</a></p> <p><a href="https://www.financebuzz.com/clever-debt-payoff-55mp?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=16199&synd_backlink_title=Get+Out+of+Debt+for+Good%3A+Try+these+6+clever+ways+to+crush+your+debt&synd_backlink_position=2&synd_slug=clever-debt-payoff-55mp"><b>Get Out of Debt for Good:</b> Try these 6 clever ways to crush your debt</a></p>

We don’t call them pets — they’re our fur babies and our besties, our doggos and our floofs. For many of us, pets aren’t just four-legged friends; they’re our life companions. We dote on them, give them special food, and spend big bucks on orthopedic beds for them. Some dogs and cats have collars and leashes for every day of the week. And some pets even have a more extensive wardrobe than their owners do.

There’s nothing wrong with cherishing your four-legged BFF, but are you also planning and saving for unexpected emergencies? Veterinary care can be expensive, even for a yearly checkup. Embrace Pet Insurance shared a list of the most common pet insurance claims that reveals just how expensive vet care can be.

Make Money: 8 things to do if you're barely scraping by financially

Get Out of Debt for Good: Try these 6 clever ways to crush your debt

<p> Depending on where you live, the average cost for a veterinary office visit can range from $45 to $100, and yearly vaccines can run from $20 to $75 per vaccine. Fecal and blood tests are pricey, as are dental cleanings. In short, it’s a good idea to budget at least $250 per annual vet visit. </p> <p> Those costs skyrocket when the worst happens, and your pet needs emergency care or develops a disease or chronic condition. Depending on the situation, veterinary care can run into the thousands, which means many pet owners might look to offset some of those costs with a pet insurance policy. </p> <p> There are typically three types of pet insurance: accident insurance, accident and illness insurance, and wellness or preventive care insurance. They all cover different things but generally work on a reimbursement basis. The owner pays the upfront costs and is reimbursed by the insurance provider. As with human insurance, there are deductibles and monthly premiums to pay.  </p> <p> Keep in mind if you choose a high deductible/low premium plan, you are responsible for more out-of-pocket costs than if you opted for a low deductible/high monthly premium plan, but insurance can definitely save you money in the long run if your pet becomes chronically ill or needs a surgery or emergency care. </p> <p> On the other hand, pet insurance might not be worth it if you have a healthy young pet who isn’t predisposed or otherwise at risk for any chronic conditions or disease. While you can’t predict if your lab puppy will eat your kid’s LEGOs or accidentally ingest Tylenol, many pets go their entire lives without needing emergency vet care or major surgery. So, shelling out for a monthly pet insurance premium might not make financial sense. </p> <p>And yes, pet insurance does have some of the problems as human health insurance. Pre-existing conditions are usually not covered, and it can be more challenging and costly to insure senior pets.</p>

Is pet insurance worth it?

Depending on where you live, the average cost for a veterinary office visit can range from $45 to $100, and yearly vaccines can run from $20 to $75 per vaccine. Fecal and blood tests are pricey, as are dental cleanings. In short, it’s a good idea to budget at least $250 per annual vet visit.

Those costs skyrocket when the worst happens, and your pet needs emergency care or develops a disease or chronic condition. Depending on the situation, veterinary care can run into the thousands, which means many pet owners might look to offset some of those costs with a pet insurance policy.

There are typically three types of pet insurance: accident insurance, accident and illness insurance, and wellness or preventive care insurance. They all cover different things but generally work on a reimbursement basis. The owner pays the upfront costs and is reimbursed by the insurance provider. As with human insurance, there are deductibles and monthly premiums to pay.

Keep in mind if you choose a high deductible/low premium plan, you are responsible for more out-of-pocket costs than if you opted for a low deductible/high monthly premium plan, but insurance can definitely save you money in the long run if your pet becomes chronically ill or needs a surgery or emergency care.

On the other hand, pet insurance might not be worth it if you have a healthy young pet who isn’t predisposed or otherwise at risk for any chronic conditions or disease. While you can’t predict if your lab puppy will eat your kid’s LEGOs or accidentally ingest Tylenol, many pets go their entire lives without needing emergency vet care or major surgery. So, shelling out for a monthly pet insurance premium might not make financial sense.

And yes, pet insurance does have some of the problems as human health insurance. Pre-existing conditions are usually not covered, and it can be more challenging and costly to insure senior pets.

10 most common pet insurance claims

To highlight just how costly some vet care can be, Embrace Pet Insurance dug through their data and compiled a list of the most common reasons to visit a vet .

2023’s top 10 diagnoses by volume and average amount per claim

1. Allergic dermatitis (skin allergies) - $657

2. Otitis externa (ear infection) - $271

3. Diarrhea - $277

4. Vomiting - $689

5. Osteoarthritis - $706

6. Anxiety - $236

7. Lameness - $644

8. Pruritus (itching) - $213

9. Skin mass - $986

10. Cranial cruciate ligament tear - $4,919

If you think those claims were high, Embrace Pet Insurance uncovered some record-breaking claims. The owners of a French Bulldog with aspiration pneumonia and brachycephalic airway obstruction filed a claim for $ 41,952; a small mixed-breed dog had open heart surgery to repair a mitral valve to the tune of $36,927, and a domestic short-hair cat whose treatment for renal failure and diabetes cost a cool $35,470.

It’s important to note that without pet insurance, these owners may not have opted for these treatments for their pets due to the cost.

<p> Pet insurance for cats is less expensive than having a policy on dogs, and costs vary based on the type of policy. Here are some average policy costs based on data compiled by the <a href="https://naphia.org/industry-data/section-3-average-premiums/" rel="noopener noreferrer">North American Pet Health Insurance Association</a>. Your actual policy premium will vary based on factors like the age of your pet, breed, and health conditions.</p>   <h3>Accident and illness pet insurance average costs</h3> <p> Dog </p> <ul> <li> Annual cost: $640.04  </li><li> Monthly cost $53.34<br> </li> </ul> <p> Cat </p> <ul> <li> Annual cost: $387.01  </li><li> Monthly cost: $32.25 </li> </ul>   <h3>Accident-only pet insurance average costs</h3>   <p> Dog </p> <ul> <li>Annual cost: $200.58  </li><li>Monthly cost: $16.70 </li> </ul>   <p> Cat </p> <ul> <li> Annual cost: $122.19  </li><li> Monthly cost: $10.18 </li> </ul>

How much does pet insurance cost?

Pet insurance for cats is less expensive than having a policy on dogs, and costs vary based on the type of policy. Here are some average policy costs based on data compiled by the North American Pet Health Insurance Association . Your actual policy premium will vary based on factors like the age of your pet, breed, and health conditions.

Accident and illness pet insurance average costs

  • Annual cost: $640.04
  • Monthly cost $53.34
  • Annual cost: $387.01
  • Monthly cost: $32.25

Accident-only pet insurance average costs

  • Annual cost: $200.58
  • Monthly cost: $16.70
  • Annual cost: $122.19
  • Monthly cost: $10.18

<p> There are home, property, rental, and car insurance policies. Home and car insurance are must-haves. As for pet insurance, it’s up to the pet parent. While pet insurance can assist with covering medical bills, it can also take a chunk out of a monthly budget. If you're considering investing in insurance for your pet, be sure to compare policies and speak with your vet for recommendations and advice. </p>  <p><b>More from FinanceBuzz:</b></p> <ul> <li><a href="https://www.financebuzz.com/supplement-income-55mp?utm_source=msn&utm_medium=feed&synd_slide=5&synd_postid=16199&synd_backlink_title=7+things+to+do+if+you%E2%80%99re+barely+scraping+by+financially.&synd_backlink_position=3&synd_slug=supplement-income-55mp">7 things to do if you’re barely scraping by financially.</a></li> <li><a href="https://financebuzz.com/offer/bypass/637?source=%2Flatest%2Fmsn%2Fslideshow%2Ffeed%2F&aff_id=1006&aff_sub=msn&aff_sub2=&aff_sub3=&aff_sub4=feed&aff_sub5=%7Bimpressionid%7D&aff_click_id=&aff_unique1=%7Baff_unique1%7D&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5=%7Baff_unique5%7D&rendered_slug=/latest/msn/slideshow/feed/&contentblockid=984&contentblockversionid=23481&ml_sort_id=&sorted_item_id=&widget_type=&cms_offer_id=637&keywords=&ai_listing_id=&utm_source=msn&utm_medium=feed&synd_slide=5&synd_postid=16199&synd_backlink_title=Can+you+retire+early%3F+Take+this+quiz+and+find+out.&synd_backlink_position=4&synd_slug=offer/bypass/637">Can you retire early? Take this quiz and find out.</a></li> <li><a href="https://financebuzz.com/make-extra-money?utm_source=msn&utm_medium=feed&synd_slide=5&synd_postid=16199&synd_backlink_title=12+legit+ways+to+earn+extra+cash.&synd_backlink_position=5&synd_slug=ways-to-make-extra-money">12 legit ways to earn extra cash.</a></li> <li><a href="https://financebuzz.com/choice-home-warranty-jump?utm_source=msn&utm_medium=feed&synd_slide=5&synd_postid=16199&synd_backlink_title=Are+you+a+homeowner%3F+Get+a+protection+plan+on+all+your+appliances.&synd_backlink_position=6&synd_slug=choice-home-warranty-jump">Are you a homeowner? Get a protection plan on all your appliances.</a></li> </ul>

Bottom line

There are home, property, rental, and car insurance policies. Home and car insurance are must-haves. As for pet insurance, it’s up to the pet parent. While pet insurance can assist with covering medical bills, it can also take a chunk out of a monthly budget. If you're considering investing in insurance for your pet, be sure to compare policies and speak with your vet for recommendations and advice.

More from FinanceBuzz:

  • 7 things to do if you’re barely scraping by financially.
  • Can you retire early? Take this quiz and find out.
  • 12 legit ways to earn extra cash.
  • Are you a homeowner? Get a protection plan on all your appliances.

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Home / Make a claim

Make an insurance claim

Going to the vet can be stressful, so we’ve made making a claim easy. We are here to help you along the way.

Making a claim

To make a claim, please click to view the relevant interactive claim form below, simply type in all the information, and save it to your computer.  

Attach the itemised  invoices , vet consultation notes as well as other relevant supporting documentation. You can take a photo with your mobile or scan your supporting documents. If it is your first claim with Petcover,  we  ask you to supply a full veterinary history and attach it to your claim.  

Email your completed claim form and supporting documents to  [email protected]  

If required, you can post your claim to:

Petcover   Pet Insurance PO Box 112250 Penrose Auckland 1642  

Please note posted claims will take longer to  reach us.   If you post your claim, we recommend you keep a copy of the claim form and invoices.

Processing your claim  

Once you have submitted your claim, we will   contact you  about the outcome of your claim.  

How your claim will be paid  

If you have elected to pay your premium by direct debit, your benefits will be paid directly into your nominated bank account.  

If you pay your policy other than by direct debit, please add your bank account details in the payment options section on the claim form.  

If you want us to pay your vet, please nominate this in the section ‘payment options’. Please note, this option is only available, if all parties involved consent to this payment option.  

Select relevant claim form and fill out electronically

Cat, dog | Death claim form

Cat, dog | Veterinary fees claim form

Cat, dog | Non-veterinary fees claim form

Dog | Bite Injury claim form

Horse | Non-veterinary fees and death or loss claim form

Horse | Veterinary fees claim form

Horse | Saddlery and tack claim form

Horse | Float and horse-drawn vehicle claim form

Pet insurance claim checklist

To help us process your claim quickly, make sure you have completed these steps:  

  • Ensure the form is fully completed before submitting your claim.  
  • The itemised invoice(s) and treatment notes from the veterinary practice or therapist are attached.  
  • If this is your first claim, your last claim was more than 12 months ago, please provide the full clinical history from both current and previous veterinary practices.  
  • Cross check with your Certificate of Insurance to make sure you are not claiming for items that are not claimable with your policy. These include, but not limited to: routine and preventative care (teeth cleaning, worming, desexing and vaccinations) and any illness that occurred within your waiting period and/or were pre-existing conditions.  
  • Know your policies excess amount before submitting the claim.  
  • Copies of all you claim documentation should be kept for your records.

Receive your claim

Once your claim is processed, you will receive an email to notify you of the outcome. When your claim is approved, Petcover will pay in one of the following ways:  

  • Credited into your bank account that your monthly premium is direct debited from.  
  • Credited into the bank account that is nominated on the claims form at time of submission.  
  • Cheque sent to you via mail.
  • Paid direct to your vet. Please understand, this option, is only available by prior arrangement with your vet, and they agreed for us to do so. 

Behavioural Claims

If my pet is diagnosed with a behavioural illness, will the cost of treatment be claimable.

Petcover works alongside its insurance partners to be one of the only pet insurance providers that will cover behavioural treatment costs, following veterinary diagnosis. Cover is included, subject to waiting periods and exclusions as part of our Superior Products. With the Mid-Range products, it is available only if the $50 Optional Day to Day Care Benefit was added to your policy at the time of application.

What should I send with a claim for a behavioural illness or treatment claim?

If it is the first claim for either the policy, or for the condition you need to send us your pet’s clinical history as well as the treatment plan or behaviour modification plan specified by your vet.

If the claim is an ongoing condition, an updated history and treatment plan / behaviour modification plan may need to be provided, every 6 months.

Dog Bite Inury

My dog was bitten by another dog, what do i need to submit with my claim.

For an injury where your dog has been bitten by another dog, the claiming process is similar to regular claims in that we need the itemised invoice and the treatment history, but instead of the standard claim form, a dog bite claim form is required to be completed and submitted.

This dog bite claim form provides us with additional details surrounding the bite injury that is usually not captured by the treating veterinarian in the clinical history.

Third Party Liability Claims

How are third party liability claims handled.

Third Party Liability Claims are not the same as a regular claim. If you find yourself in a position where your liability may come in to question you should:

  • Not admit liability or make any offer to pay;
  • Exchange details with the other party or parties and obtain names and addresses of any witnesses.
  • Notify us as soon as possible after the event;
  • Send us any and all documentation relating to the event, including any legal documents you may be issued with.

These claims are not assessed by Petcover. They are assessed by your policy underwriter’s disputes and possibly legal department. As a result, these types of claims may take longer that usual to be assessed and finalised. We will keep you up to date with any progress and communicate with you should additional information be required.

Dental Claims

Can i claim for my pet’s dental work.

If dental treatment is needed for your pet as a direct result of an accident, illness or injury you may be able to claim for this, so long as your pet has had its annual dental check-ups and any advice provided has been followed.

Cover is not provided for routine, preventative or elective treatments. These treatments are expected and can be budgeted for. Insurance is provided for unexpected injuries and illnesses. Examples of routine, preventative or elective dental include, but are not limited to: Scale & Polish, Comprehensive Oral Health Assessment & Treatment (COHAT), routine check-ups.

Alternative & Complementary Treatment

Do you cover physiotherapy for my pet.

Physiotherapy is a claimable treatment under some of our plans (refer to your PDS), when carried out by a registered Physiotherapist with post-graduate qualifications in animal/veterinary Physiotherapy or a member of the Australian Physiotherapy Association (APA) Animal Physiotherapy Group (APG). You cannot receive payment for physiotherapy sessions that have not been completed, in the event of a bulk purchase (ie/ buy 10 sessions at a reduced rate) as this would be considered pre-approval (refer FAQ on pre-approval).  If you have bulk purchased 10 sessions, you can only claim either after each completed session, or at the conclusion when all 10 sessions have been completed.

Do you cover hydrotherapy for my pet?

Hydrotherapy, when used as a complimentary treatment for a musculoskeletal condition, can be claimed under the policy. Up to 10 individual sessions (inclusive of other alternative/complimentary sessions, and subject to the maximum benefit) can be claimed in the policy period. The sessions must be performed either at a veterinary practice with the appropriate facilities, or at a registered hydrotherapy business.

Payment can’t be provided for sessions that have not yet been completed. If sessions have been purchased in bulk, we can only pay for treatments that have already been completed.  (As per above)

Pre-Approval

Do you pre-approve claims.

Claims can’t be pre-approved, as before the treatment is made, there is no invoice (financial loss) and no supporting treatment notes.

It won’t be know if the claim will be covered and paid before the treatment has been performed and the claim has been submitted. This is because the treatment provided needs to be reviewed and the full history of the pet to determine whether the condition and treatment can be claimable under the policy.

You can get advise if specific medications, tests, or procedures can be considered, and  if something is not covered under your policy, but you won’t be provided with pre-approval for any claim.

Excess & Co-Payment

You should always refer to your Certificate of Insurance to confirm which excess/es or co-payments may apply to your policy .

Fixed Excess

The fixed excess is the amount, as shown on your certificate of insurance, that is withheld for each unrelated claim within the policy period. This is the threshold that the claim needs to reach before we are able to reimburse you for your claim.

Share Excess/Co-Payment

The Share Excess or Co-Payment is a percentage of the payable value of each and every claim, after any applicable fixed excess or deductions, that will be withheld. This is an option you can select to reduce your premium.

The Age Excess is a percentage of the payable value of each and every claim, after any applicable fixed excess, deductions, and share excess/co-payment, that will be withheld by Petcover.

An age excess of 20% is applied when your policy renews once your pet turns 8 years old for standard breeds and 4 years old for select breeds.

An age excess of 35% is applied when your policy renews once your pet turns 10 years old for standard breeds and 7 years old for select breeds.

Pay Direct To Vet

Can my claims be settled with my vet.

Pay Direct to Vet is offered, whereby you can elect to have your claim paid directly to your vet. You will need to have an agreement in place with your vet before submitting the claim and you will need to pay any applicable excess and not covered items direct to your vet and the balance will be paid. Your vet can even submit your claim on your behalf.

Supplements

Do you cover supplements / general health improvers, such as joint supplements.

Supplements can provide an additional drug-free treatment option for a number of conditions; however, these products can often be obtained without any required veterinary involvement. Many can be purchased without either a prescription from a veterinarian, or without being directly dispensed by a veterinarian, and many can be purchased online without the pet ever seeing a veterinarian.

Under the policies available, the cost of medications that can only be legally obtained via a veterinary prescription, or by being directly dispensed by a veterinarian will be covered. As supplements do not fulfil these criteria, the cost of these are unable to be covered under the policy.

Get in touch

Petcover will only use the information provided in relation to your request and personal information will only be used for legitimate purposes. For more information, please refer to the privacy policy.

We’re available: Monday   –   Friday: 8 : 30am to  5 :00pm  

Sales Team Monday – Friday: 8.30am – 7.00pm Saturday: 11:00am to 7:00pm Sunday: 12:00pm to 6:00pm  

Telephone: 0800 255 426

Email: [email protected]

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How to make a pet insurance claim

Our claims team has seen it all. While they deal with your claim, feel free to ask them anything that’s on your mind. They’re fully trained to provide honest support, no matter your situation.

We pride ourselves on our claims process. We aim to process your claim within four weeks from receipt of all required information. We’ll be in touch if anything else is needed from you or your vet.

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Making a claim has never been easier…

A vet's stethoscope and cross

Step 1 - Notify your surgery

If your veterinary fees are above your excess and you would like to submit a claim for treatment, the first step is to notify your veterinary surgery of your intention to claim.

Be sure to update your veterinarian with your MiPet Cover policy number.

You need to notify the MiPet Cover insurance team within 60 days of treatment if you would like to make a claim.

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Step 2 - Making your claim

If your veterinarian is equipped to make electronic claims, you can fill in an electronic claim authorisation form for each condition at your veterinary surgery.

They will submit your claim directly to the MiPet Cover pet insurance team, who aim to process claims within four weeks* OR you can download a claims form (PDF 177KB) to submit to your veterinary surgeon.

A cat and dog together. Pet insurance for cats and dogs.

Step 3 - We’ll be in touch

Relax while we handle your claim.

Our team of qualified veterinary professionals will evaluate your claim. If we need any more information, we will contact your veterinary surgeon directly or yourself for any details we may be missing.

If you would like to check the status of a claim, please call the MiPet Cover claims line on 0808 164 8001.

*From receipt of all required information. Ensuring you and your vet have provided all relevant supporting information, will help us reduce handling time and speed up the assessing time.

Do I need to claim?

Unfortunately, sometimes in life things happen when we least expect them. Our pets can get ill or have an accident leaving you facing a costly veterinary bill. That’s why you have MiPet Cover insurance to give you peace of mind, so that you can focus on getting your pet back to the best of health.

You can read more about making a claim in our FAQs , or feel free to contact our customer service team .

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Let’s get #morepetsinsured

Get a quote in minutes…

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Existing customers

Call now on 0808 164 7999 to discuss your policy with us.

Monday - Friday: 08:00 - 20:00 Saturday: 09:00 - 14:00

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The Pet Insurance Guide

Helpucover – Standard Policy – Details

22nd January 2024 By petguide

Helpucover Pet Insurance

Vet Fees Cover Limit: £1,000 per condition (without time limit).

Maximum Age for New Policies: 7 years (dogs – but 4 years for certain breeds) 9 years (cats)

Key Points to Note

  • Includes dental cover for illnesses as well as accidents
  • Very limited prescription food cover
  • Will waive your premium for up to six months if you are unable to work
  • Includes basic travel cover only
  • See full review of Helpucover strengths and limitations
  • See a summary of Helpucover customer reviews

Excess and Contribution Rates

  • The standard excess is £90 per condition for dogs and £60 per condition for cats.
  • You have to pay 25% of vet fees for pets over 8 years old

Vet Fees Benefits

Third party liability cover, additional benefits, travel cover, more information, other helpucover policies.

Helpucover – Classic Policy – Details

Helpucover – Essential Policy – Details

Helpucover – Premier Policy – Details

Helpucover – Standard Plus Policy – Details

Helpucover – Vital Policy – Details

About Helpucover Pet Insurance

Helpucover Policies – Review

Helpucover Pet Insurance – Our Verdict

Helpucover Customer Reviews

Pet Insurance Terminology Explained

Contribution Payments

Maximum Benefit Policies

Time Limited Cover

Accident Only Policies

Lifetime Policies

More Pet Insurance Terminology & Benefits Explained

Relevant Articles

Vet Fees Cover Types

Pet Insurance – A Quick Introduction

How Much Vet Fees Cover Do You Need?

Buying Pet Insurance: Eight Vital Questions!

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The Best Pet Insurance in California for 2024

Sarah Schlichter

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Looking for insurance to help with unexpected vet bills? Most major pet insurance companies operate in California, so you’ve got plenty of options to get your furry friend covered. NerdWallet gathered rates and evaluated more than a dozen insurers to help you find the best pet insurance in California in the following categories:

Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair, so you can make financial decisions with confidence and choose the products that work best for you.

NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.

Best overall: MetLife

insurance-product-card-logo

Pay vet directly This indicates whether the company offers the option to pay a vet directly rather than reimbursing the policyholder after a claim.

Scope of coverage Ratings are based on how many different scenarios a company covers.

Ability to customize plan Ratings are based on how easy it is to modify how much you pay for a plan by adjusting your coverage limits.

  • Deductible goes down each year you don't make a claim in some states.
  • Accident coverage starts right away, with no waiting period.
  • Includes coverage for holistic and alternative care.
  • No option to have the company pay your vet directly.

Why it’s the best

MetLife had the highest raw score of all the companies NerdWallet evaluated, thanks to its combination of strong coverage and useful features. MetLife’s policies cover things like alternative and complementary medicine, treatment for dental diseases, prescription food and end-of-life expenses. In most states, MetLife also offers free grief counseling sessions with a counselor if you lose your pet.

MetLife will cover pets of all ages, with no age restrictions. And if your pet stays healthy, your deductible could drop by $25 or $50 for each year you go without receiving a claim reimbursement. (A deductible is the amount you pay in vet bills before your insurer starts reimbursing you.)

Learn more with our MetLife pet insurance review .

Best budget pick for dogs: Lemonade

insurance-product-card-logo

  • Quick claims processing.
  • Multipolicy and pay-in-full discounts available.
  • Donates a portion of premiums to nonprofit organizations.
  • Not available in all states.
  • Physical therapy, acupuncture and chiropractic care cost extra.
  • Your credit or claims history may affect your rates.

Lemonade offered the cheapest rate for our sample dog in Los Angeles, and it’s also one of our cheapest pet insurance companies overall. The company’s base accident and illness plan covers the essentials, such as medicine, diagnostic tests, surgeries and hospitalizations. For an extra cost, you can customize your plan to cover things like physical therapy, treatment for dental illness and vet exam fees.

One perk of Lemonade pet insurance is how the company deals with claims. Once you file through the Lemonade app, the company uses artificial intelligence to scan for fraud and then pays some claims almost instantly. Another unique feature is Lemonade’s Giveback program, which donates excess profits to charities chosen by policyholders.

Learn more with our Lemonade pet insurance review .

Best budget pick for cats: Embrace

insurance-product-card-logo

  • Covers curable pre-existing conditions.
  • Many ways to customize your plan.
  • Orthopedic waiting period can be reduced with a vet exam.
  • Doesn't cover prescription food or supplements.

The cheapest rate we found for our sample cat was from Embrace, which offers comprehensive, customizable plans. Its accident and illness policy includes consultations with behavioral specialists, up to $1,000 per year to treat dental illnesses, and complementary treatments like acupuncture and laser therapy. Embrace will also cover curable pre-existing conditions that have been symptom-free for at least a year.

You can use the company’s highly rated app to see policy documents, add new pets to your policy or file claims. You can also log in on the website to access the PawSupport telemedicine service, available at no charge to Embrace policyholders.

Learn more with our Embrace pet insurance review .

Best for comprehensive coverage: ASPCA

insurance-product-card-logo

  • Covers horses in addition to cats and dogs.
  • Standard plans cover alternative therapies, behavioral issues and congenital conditions.
  • Shorter waiting period than most plans for cruciate injuries (14 days).
  • You must call rather than getting an online quote if you’re interested in unlimited annual coverage.

ASPCA’s policies include coverage that some other pet insurers charge extra for (or don’t cover at all), such as prescription food, microchipping, treatment for dental illness and behavioral therapies. You can also add a plan to cover preventive care expenses like vaccinations and annual checkups.

We like that ASPCA has a straightforward 14-day waiting period for all accidents and illnesses, including orthopedic injuries. A waiting period is the time between when you buy your policy and when your coverage begins.

Learn more with our ASPCA pet insurance review .

Full list of the best pet insurance in California

Looking for more options? Here are all the pet insurers in California that earned a 5-star NerdWallet rating. Unless otherwise noted, sample rates are for 2-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

» MORE: The best pet insurance companies

Cheap pet insurance in California

Here are the cheapest insurers we found in California for dogs and cats, based on quotes we gathered in Los Angeles. Our sample pets were 2-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices may be different depending on where you live, the coverage you choose, and your pet’s age and breed.

Cheap pet insurance in California for dogs

Cheap pet insurance in california for cats.

» MORE: Is pet insurance worth it?

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies .

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology .

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines .

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons.

Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate. Our sample pets were a medium-sized, mixed-breed dog and a domestic shorthair (mixed-breed) cat. Each pet was 2 years old.

These are sample rates gathered for specific pets in a select ZIP code. Your own rates will be different.

On a similar note...

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A claims process that doesn’t have you chasing your tail

To make a claim, please download the relevant claim form from the options below and follow the instructions on the form. If you have any questions, please do not hesitate to contact us.

** Please download the form to your computer, do not complete in a browser window **

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Downloading Your Pet form

Click below to download your claims form.

Please download the form to your computer, do not complete in a browser window

How to claim It’s as simple as downloading a form and getting it filled by your vet 

Download a claim form here

Let us know if you want us to pay you or your vet direct

Return your complete claim form to us (your vet will usually take care of this for you)

We Support you through the claim process

We are here to help at any point during the claims process.

Whether you have a question or are looking for a peace of mind, the Covert My team are here to help.

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Claim payment

Claims as easy to understand as 'paw'.

We’ll provide a clear brakdown of your claim payment and how this will be paid so you can get back to teaching your new pet tricks as quickly as possible.

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Testimonials

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Wilma has fully recovered from a nasty leg fracture and has several pins and plates.

Ellipse 408

I can’t thank you enough for the care you provided with Wilma, the claim went through fast and easy with no issues.

help you cover pet insurance claim form

The staff at cover my pet have been so supportive and genuinely care its been a pleasure dealing with them.

help you cover pet insurance claim form

Excellent customer service and at an affordable premium for our dog . Only time will tell if and when how good the insurance is when needed.

Guide’s to your pet’s health and wellbeing

Have you got a dog or a cat and would like pet insurance to cover them in case they get ill or have an accident? Are you looking for pet insurance and would like to compare pet insurance policies that are available for dogs and cats?

help you cover pet insurance claim form

10 interesting facts about dogs for a UK audience

Here are 10 interesting facts about dogs for the UK:

help you cover pet insurance claim form

Avoid Costly Fines and Ensure Canine Safety: A Guide to Responsible Dog Travel

Motorists face potential fines of £5,000 and up to nine penalty points on their license

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  1. PDF VET FEES CLAIM FORM

    03301231922 1 About Your Pet TO BE COMPLETED BY THE POLICYHOLDER When were you first aware of the symptoms/condition/injury? D D / M M / Y Y H H : M M When did you acquire your pet? Has the above animal been registered with any other veterinary practice? Yes No

  2. Pet Insurance Cover and Quotes

    Contact Helpucover Helpucover Pet Insurance Contact Details Email: [email protected] Phone Customer Services & Claims: 0344 543 1067 Opening Hours: Mon - Fri: 8.30am - 6pm Post: Helpucover Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX, United Kingdom Gadget and Mobile Phone Insurance Contact Details

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    Insurance claim form. Complete the claim form describing your pet's treatment and make sure to follow the instructions completely. How to file a pet insurance claim with your provider Once you have all the necessary documents, it's time to file a pet insurance claim.

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    A complete Claim Form will help you get the fastest reimbursement for covered claims. Claim forms should be completed by the pet owner, and much of the necessary information and documentation should be included within the records and documents from your veterinarian. Download a Claim Form Veterinary Medical Records

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    Begin by calling or initiating an online chat with customer care in which you (calmly) outline your rationale. The rep may then ask for further detail, either in this communication or in writing. If your insurer still refuses to pay a claim, they are obligated to provide an explanation for their decision.

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    Find claim forms and downloads for your Nationwide® Pet Insurance policy here. Prefer to call us? 1-800-540-2016

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  13. How do I file a pet insurance claim?

    First, download a claim form and fill it out. Then, take a picture of or scan the claim form and your itemized invoice from your pet's visit and send it to us. Send claim forms and invoices to either: Email: [email protected] Fax: 866.405.4536; Note: We process and pay claims faster if they're emailed or faxed to us, but you can mail them to ...

  14. PDF VET FEES CLAIM FORM

    helpucover Claim Form for Vets Fees CLAIM FORM VET Pinnacle House, A1 FEES Barnet Way, Borehamwood, Hertfordshire WD6 2XX Policyholder Details Pet Details Name: Name of Pet: Address: Type of Pet: Dog Cat Rabbit Breed of Pet: Policy Number What is your Occupation? Date of Birth: / /

  15. How to claim on your pet insurance

    How to make a pet insurance claim. Call your pet insurers' claims department. The phone number should be on the policy documents or on the company's website. Give your insurer the details of what's happened to your pet and the costs involved. Your vet should be able to give you the estimated costs or you may already have an invoice or a ...

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    How to submit your claim. 1. Getting started. Login to My Petsure and visit the claims section or call our claims team on 0333 009 0998. 2. Submit your claim. Complete your claims form and attach any invoices/bills as well as sending details of the vets if you're claiming for treatment. 3.

  18. Make An Insurance Claim On Your Petcover Australia Pet Policy

    1-3 Smolic Crt Tullamarine VIC 3043 Please note claims sent by post will take longer to receive which may affect processing times. Please keep a copy of your claim. Select relevant claim form and fill out electronically Cat, dog and exotic | Veterinary fees claim form Cat, dog and exotic | Non-veterinary fees claim form Dog - bite injury claim form

  19. New Report: 10 Most Common Pet Insurance Claims and Their Costs (Our

    To highlight just how costly some vet care can be, Embrace Pet Insurance dug through their data and compiled a list of the most common reasons to visit a vet.. 2023's top 10 diagnoses by volume ...

  20. Petcover New Zealand, start your claim today via our website

    PO Box 112250 Penrose Auckland 1642 Please note posted claims will take longer to reach us. If you post your claim, we recommend you keep a copy of the claim form and invoices. Processing your claim Once you have submitted your claim, we will contact you about the outcome of your claim. How your claim will be paid

  21. How to Make a Pet Insurance Claim

    If you would like to check the status of a claim, please call the MiPet Cover claims line on 0808 164 8001. *From receipt of all required information. Ensuring you and your vet have provided all relevant supporting information, will help us reduce handling time and speed up the assessing time.

  22. Helpucover

    Helpucover - Standard Policy - Details 22nd January 2024 By petguide Get the best Pet Insurance Quote now! Policy Type: Maximum Benefit Vet Fees Cover Limit: £1,000 per condition (without time limit). Maximum Age for New Policies: 7 years (dogs - but 4 years for certain breeds) 9 years (cats) Key Points to Note

  23. PDF claim form 360

    CLAIM FORM PLEASE EMAIL YOUR COMPLETED FORM TO [email protected] OR POST TO THE CONNECT CENTRE, KINGSTON CRESCENT, PORTSMOUTH, PO2 8QL Section 1 - This section to be completed by the insured Policy Number: Title: Cover in force: Surname: Forename: Home address: Inception date: Policy dates: - Pet name: Breed: Pet type: Age of pet:

  24. What does pet insurance cover?

    Not all pet insurance is the same. Before picking coverage, it's important to understand the 3 main types of pet insurance policies. Keep in mind that depending on your pet insurance company, they may use other names for their coverage options, or group what is covered differently. Accident Coverage

  25. The Best Pet Insurance in California for 2024

    NerdWallet evaluated 15 insurers to find the best pet insurance in California. See the best overall, the best budget picks and more.

  26. HCF health insurance

    See our range of cover to find insurance that suits your needs and budget. ... Information to help you build a quote, claim and make informed decisions about your private healthcare. ... Pet. Protect your pet with cover tailored to their life-stage and needs. HCF members save up to 15%. Learn More. 1.

  27. My Pet Claims

    Return your complete claim form to us (your vet will usually take care of this for you) We Support you through the claim process We are here to help at any point during the claims process.