Most pet insurance policies will cover:
You may also be covered for emergency boarding, taking your pet abroad and holiday cancellation if your pet falls ill or is injured.
Some insurers set a time limit on making a claim, such as 31 days from your vet telling you treatment is needed, or no longer than 60 days after treatment starts.
The sooner you start the claims process, the quicker your insurer can pay out.
You can usually download a claims form from your insurer's website, or request one when you call them.
This will depend on what you are claiming for:
Your vet will need to complete some parts of the claims form on your behalf. You will also be asked to provide:
You will be able to request these documents from your vet. If your pet has also seen a different vet in the past you will need to contact them to get a full clinical history.
Most insurers will pay the vet directly to cover the cost of treatment.
If you are claiming against the cost of cremating your pet, you will need to send the invoice showing the cost.
You must report your pet missing to local rescue centres and vets first before you send your insurer:
If your policy covers the cost of a reward for whoever finds your pet you must contact your insurer to agree an amount before you advertise it.
If your dog causes an injury to a member of the public third party liability can cover the damages.
This claim will come from someone other than yourself, but you will still need to:
Never admit responsibility or agree to pay any compensation following any incident. Always contact your insurer first.
When you make a claim on your pet insurance you will have to pay towards the cost, this is called the excess.
The amount you pay can vary depending on the type of claim, for example:
Some insurers also charge an additional excess of up to £200 if you use a vet that is not on their approved list. Find out more about using an approved vet here.
If you have an older pet over eight years old some insurers will charge you a higher excess for any vet fee claims.
If you are claiming for vet fees you will usually have to pay the excess to the vets, for other claims it will be deducted from the amount paid out.
If you have checked your policy and still feel your claim is valid, you should contact your insurer by phone or by letter to make a formal complaint.
Make sure you outline exactly why you are complaining and why you think your claim was unfairly rejected.
If they do not change their decision, you can go to the financial ombudsman, who can look into your claim for you.
A claim might be rejected because:
This guide looks at all the exclusions that could stop your pet insurance paying out.
Protect your pet with the best possible cover by comparing pet insurance deals. Find the right policy for your furry friend at the right price!