Pet claims

Pet illness: what to do and what to gather

Pet claims hinge on history, so get the full vet record.

Do this first

1. Get your pet seen by a vet
2. Ask for your pet's complete history Insurers check for earlier signs of the same problem.
3. Note when you first noticed symptoms
4. Check how your insurer wants the claim sent

Who to tell

• Your pet insurer: Start your claim, often within a time limit after treatment.

What to gather

• The itemised vet invoice. Itemised, not just a total.
• Diagnosis and clinical notes. Shows what was found.
• The complete vet history. To check for pre-existing conditions.
• When you first noticed symptoms. Waiting periods and pre-existing rules depend on timing.
• Proof of payment. Receipt or card statement.
• Test results and referrals. Supports the diagnosis.
• Medication receipts. Part of the claim.

Things that catch people out

• Waiting periods and pre-existing conditions are the most common reason pet claims are declined.
• For an ongoing condition, keep records of every visit.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.