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Pet insurance claims procedure
Understanding the Pet Insurance Claims Procedure

It’s worrying enough having to deal with an illness or accident to your pet without having to worry about how to make a claim on your pet insurance. Luckily, most insurance for pets providers make the whole process of making a claim relatively simple, so if you find that you need to make pet insurance claims then you shouldn’t find that it adds to your stress levels!

The way that you will need to make a pet insurance claim will vary according to the insurer with which you are dealing, the type of claim you are making, and the type of pet insurance policy that you hold. In some cases, your insurance for pets policy may ask you to call up the insurer, and in others, you will simply need to fill in a claim form (many of which can be accessed via the insurer’s website).

N.B. Some insurers will ask you to notify them if your pet has an accident or illness before medical treatment starts while others won’t, so check what you need to do before you do anything.

Useful things to know before/during the pet insurance claims process

If you do find that you need to claim on your pet insurance, then you may find the whole process easier and quicker to manage if you:

  • Check if your insurer will pay a vet directly:  Some insurers will pay vet bills directly if your pet has an accident or an illness. This could be useful to you as it will save your having to pay the vet and then claiming the money back. In many cases, your vet may need to agree to this before it can happen and some may not want to deal directly with the insurer.
  • Check what information your insurer needs:  Making a quick and painless pet insurance claim is often simply a question of giving the insurer the information/paperwork that it requires. If this information is not listed in your policy documents, then call the company’s claims line before submitting your claim to make sure that you give it what it needs to process it. This will speed up the whole pet insurance claims procedure.
  • Check your deductible:  Making pet insurance claims doesn’t just involve putting in a claim and then waiting for all the money to come back. Most policies, when you make a claim, will have a deductible.  You basically have to pay this deductible before the insurer will step in. So, if your deductible is $50 and your vet’s bill is $450, then the insurer will only pay $400 towards the bill based on your pet insurance terms and conditions. You will have to pay the first $50 if this is the deductible outlined in your insurance for pets policy.

Remember that insurance companies are well aware of how stressful and upsetting it can be in some cases when you make a claim on your pet insurance. Most will give you pet insurance claims helplines that you can call to get help and advice, so don’t be afraid to talk to your insurance for pets provider to find out how its own particular pet insurance claims procedures work.

Finally, remember that the quickest way to get approval (and your money back) when you make a claim is to make sure that you give your pet insurance provider the information it needs when it needs it. If you don’t give your insurer all the necessary information or you fill in your claims form incorrectly then it will take longer to get through the insurance for the pets claims procedure.

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