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Fill in your claim details yourself and submit online. Get a copy of your pets medical history, their treatment invoice or any receipts for the treatment youve paid for. Fill in the online form, upload your supporting documentation and submit it. Our team will keep you updated every step of the way.
How to make a pet insurance claim Call your pet insurers claims department. Give your insurer the details of whats happened to your pet and the costs involved. If your pet needs medical care and is already being treated, give the name of the condition and the treatment or operations required.
Although it might be tempting to avoid taking your pet to the vet through fears of raised premiums should you need to make a claim, it is important to remember that your insurance policy is there to cover you for getting your pet the treatment it needs.
The only time it might not be worth claiming is if your policy excess thats the amount you pay to make a claim is more than the cost of the treatment. If the treatment is minor and you can cover the cost, you dont necessarily have to use your insurance and pay the excess.
In addition to the monthly premium, you also will likely pay a deductible before your expenses are covered and may have a limit on the amount your insurance company will cover. Unlike health insurance, pet insurance doesnt usually pay the veterinarian directly.
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People also ask

A pet insurance waiting period is the time between when you buy a plan and when coverage starts. Accident coverage usually begins after two to five days. Illness coverage may begin after 14 to 30 days.
For illnesses, the waiting period is typically between 10 days and 15 days, with most plans imposing a 14 day waiting period. The wait period for injuries due to accidents is nearly always shorter, with around half of the plans having no waiting period for accidents.
Call your pet insurers claims department. The phone number should be on the policy documents or on the companys website. Give your insurer the details of whats happened to your pet and the costs involved.
The records allow the insurer to assess whether treatment is related to a pre-existing condition; if it is, the claim will typically be denied, although there may be exceptions (check the coverage details for the pet insurance policy).
Take your pet to see the veterinarian. Pay for the veterinarian bills in full. File a claim online or through the pet insurers mobile app and include a copy of the bill. Once the pet insurance company approves the claim, receive your allowable reimbursement via direct deposit or paper check in the mail.

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