We've also included information that you and your vet should be aware of if your pet needs treatment.
It's important that we receive as much information as possible about your pet's health when you make a claim for vet fees. To help us progress the claim quickly, we'll need to have your pet's full medical history.
Just so you're aware, we may share this information and details of your cover with any vet that's treated, or is going to treat your pet. We may also speak to your current or previous vet if they can provide us with information about your pet's condition - they may ask for your consent before they're happy to do this.
So you're not out of pocket, we can pay your vet once the claim has been authorised if your vet allows it. But you must pay any amount your policy doesn't cover and any policy excess.
The Royal College of Veterinary Surgeons (RCVS) doesn't regulate vets charges. However, it does state that vets treating an animal covered by pet insurance should only carry out the necessary treatment and charge their normal practice fees. If we see higher than normal charges, or unnecessary treatment, we may ask the vet for an explanation and this can delay payment of your claim.
Please keep all invoices and receipts in a safe place as we'll ask to see them if you pay the vet fees and want to claim these back. To make sure we can pay your claim quickly, each receipt /invoice should be issued by your vet and:
We try our best but we can't always cover every situation your pet may find themselves in, or treatment they may need. Here are some of the most common exclusions.
Don't forget there's a 14 day waiting period from when you take your policy out before illnesses are covered, and a 48 hour waiting period before accidents are covered. If you're changing insurer, it's worth considering overlapping the cover so your pet isn't left uninsured during these exclusion periods. Please make sure you check your policy booklet for full details about exclusions.
These levels of cover only apply to pet insurance policies purchased after 22 November 2017 or to policies renewed after 27 December 2017.
Download our claim form or you can call us and we'll send you a claim form. Here's what to do:
0800 756 8567
8am - 8pm Monday to Friday
9am - 2pm Saturday
10am-4pm Bank holidays
Calls will be recorded. For Text Phone dial 18001 followed by the desired number.