How do I submit a claim?
To submit a claim, you’ll need a few important documents:-
A finalised paid invoice: This is from your vet and should detail the treatment your pet received and the amount you paid.
– Vet consultation notes: The clinical notes from your vet for a visit related to your pet’s illness or injury.
– Complete medical history: If you didn’t complete a pre-existing condition assessment when you started your policy, we’ll need a full medical history. Simply provide a list of vets your pet has visited, and we’ll handle collecting their medical records.
Note: If you already completed a pre-existing condition assessment at the start of your policy, only the paid invoice and vet consultation notes may be needed for claims.
How to submit your claim
You have a few easy options to submit your claim:
1. Your vet: Ask your vet to email the invoice and clinical notes directly to [email protected]. This is the quickest way to make your claim.
2. Email: Send your policy number and a copy of the paid invoice to [email protected]. We’ll contact your vet for the notes and notify you once the claim is lodged.
3. Petsy Portal: Log in to your account, select your pet’s policy, and click ‘New Claim’. You can upload a photo of your invoice and answer a few questions.
What happens next?
We usually process claims within 5-10 business days after we receive all required documents. Claims can be processed quicker if a pre-existing condition assessment was completed when you first set up your policy. We’ll keep you updated via email, so keep an eye on your inbox. To make sure reimbursements are processed quickly, please confirm that you have provided us with your correct bank details.
What happens during the claims process?
The Steps to Process Your Pet Insurance Claim
Understanding a Claim:
A pet insurance claim is how you apply to get reimbursed for vet bills that are covered by your policy.
After you submit a claim, our team checks it and reviews it based on the information provided. If approved, we’ll make the payment into your nominated bank account.
If your pet unexpectedly gets sick or hurt
1. Visit a Vet: If your pet seems unwell, take them to a vet. After the visit, you’ll get an invoice that lists what treatments your pet received and how much they cost.
2. Submit Your Claim:
– You can ask your vet to email us the invoice and clinical notes directly to [email protected]
– Or, you can send us a clear photo of the paid invoice. Make sure it includes important details like the vet’s contact info, the date, and what you paid for. We’ll reach out to your vet for a copy of the clinical notes.
3. We Process Your Claim:
We’ll check your claim and ask your vet for any extra information we need.
Our team will review all the information to make sure it is covered under your policy.
If everything looks good, we’ll approve your claim and send you the money.
Streamline your claims process by:
– Requesting a pre-existing condition assessment soon after you take out the policy
– Knowing what’s not covered like pre-existing conditions, routine check-ups, vaccinations and desexing
– Having all your vet visit records and invoices ready to go
– Making sure we have your current bank details for quick reimbursements
– Stay available in case we need to reach you for more information
How to Make the Most of Your Pet Insurance
Claims process & submitting claims
To make the most of your pet insurance, it’s important to understand the claims process with the provider you choose. Generally, after your pet receives treatment, you’ll need to pay the vet, then submit a claim with your insurer.
Common pitfalls to avoid
Understanding your pet insurance policy and the claims process can prevent disappointment later on. Common pitfalls include incomplete paperwork when submitting claims and not being aware of exclusions or limitations in your coverage. Being familiar with your policy details can help you avoid surprises and make the most of your insurance. Also, check with your insurance provider if they have options available to help streamline future claims.
If your claim is denied, it’s typically due to these reasons:
- Submitting a claim within an exclusion period – Your pet isn’t covered the moment you buy your policy. Your policy has different exclusion periods that need to be passed symptom-free before coverage begins.
- Submitting a claim for a pre-existing condition – Pre-existing conditions aren’t covered if any signs or symptoms of those conditions occurred before the exclusion periods ended.
- Submitting a claim for a non-covered item – Pet insurance is designed to help with unexpected vet costs. Preventative, elective or routine treatments including regular health check-ups, vaccinations and desexing aren’t covered.
Setting Yourself Up for Pet Insurance Success
How to be prepared for emergencies
Emergencies can happen anytime, so it’s important to have a plan in place. Keep your vet’s contact information, a 24-hour emergency clinic contact details, and your pet insurance policy number in an easily accessible location. Ensure your policy covers emergency visits and have an emergency fund to cover upfront costs before your claim is processed.
Navigating vet visits with insurance
When visiting the vet, let them know you have pet insurance. Ask for detailed invoices and make sure you have all the necessary paperwork to submit a claim. Familiarising yourself with your pet insurance claim process so you’re across the information required to avoid delays.
After your pet has received treatment, you can usually ask your vet to submit the claim for you when you’re at the clinic, by providing your policy number or asking the clinic to submit the invoice or history through to your insurance provider.
