Making a pet insurance claim
When making a pet insurance
claim you’ll be asked for:
- Your policy number
- A brief description of the problem
- The name and contact details of your vet
On the phone
0345 246 8496
Making a claim online is easy
Submit your claimYou’ll get an email to confirm
we’ve received it.
We'll contact your vetYour vet will provide the information
needed for your claim. This typically
takes 10 days or less.
Hear from us within 5 daysOnce we get the information we
need, we'll look at your claim and
contact you within five working days.
Things you need to know
- Ongoing claims will be covered up to the policy limit on your current policy.
- Your pet is only covered if your policy remains in force. Vet fees for ongoing conditions are only covered if the treatment arises during a period of insurance where the premium has been paid.
- Conditions, symptoms and signs of injury or illness that exist in any form before the pet was covered by this insurance, are classified as a pre-existing condition.
- Once a pet starts having treatment for an ongoing condition under a policy it will be classified as a pre-existing condition when taking out a new policy or changing insurer. You should check whether cover for pre-existing conditions is provided.
Times your claim won't be covered
- Connected with, or a recurrence of, a pre-existing condition, symptom or event.
- The condition’s time or monetary limit has been reached.
- Relating to any illness or disease arising during the first 14 days of cover.
- Connected to behavioural problems or traits.
- The cost of preventative, non-essential or routine treatment.
- Your pet is being used for, or claims arising from the use of your pet for commercial, guard, breeding, gun dog use, security or working purposes or for racing, unless agreed by us.
Useful services to help you care for your pet
Frequently asked questions
q1What isn’t covered by my pet insurance policy?
Any illness or disease that happens during the first 14 days of the policy or any condition that is present before the start date of the policy would not be covered. This includes recurrence of any illness, disease or injury that was present before cover started or that occurred during the first 14 days of your pet being covered.
It doesn’t cover any preventative, non‐essential or routine treatments or tests, such as flea treatment, neutering and vaccination, behavioural problems, pregnancy, food and any costs that, as a pet owner, you would normally expect to pay.
There is also no cover for any claim that results from an incident covered by other insurance, for example Third Party Liability.
Treatment for dental disease and Euthanasia are not covered under our Essential Policy.
Please refer to the policy wording for full details of what is and isn’t covered.
q2What is the excess on my pet insurance policy?
The excess is the part of the claim you must pay. For veterinary fees an excess applies once per condition and is currently £80 for cats and £95 for dogs. There is also an optional voluntary excess – currently £160 for cats and £190 for dogs. If you choose this optional excess, your premium will be lower.
There is an excess for material damage to property under section 7 - Third Party Liability. This is £250.
If you have any other excess applied to your policy this will be detailed in a separate endorsement letter or appear on your schedule.
At present we don’t increase the excess as your pet ages. The excess is taken once per condition and is deducted from the claims settlement.
q3Do I pay the vet and you reimburse me, or can payment be made to the vet directly?
We’re happy to send claim payments directly to your vet, as long as they’re happy for us to do so. You can tell us who should receive the claim payment on the claim form. If you would like us to pay your veterinary practice directly, you should pay the excess to the practice first.
q4How do I make a claim on my pet policy online?
There are three ways to start your claim:
q5If I don’t make any claims on my pet Insurance policy will I get a discount?
We don’t offer a no claims discount on the premium for pet insurance. This is because we don’t want to discourage owners from taking their pet to see a vet and claiming for necessary treatment just to save money on their premium.