The insurer will need certain information from you and the vet if you have a pet insurance policy. There may be differences in the claims process between insurers. It is important to review your policy and talk to your insurance company to learn how to file a claim. The following are the most common requirements:
The insurer may ask you questions when you register a claim. These include: what is the claim for? What is the injury/illness? When did you notice your pet become unwell? Which vet you visited and the date of any treatment.
In order to make a claim for medical care, most insurers will require proof of the pet’s medical history as well as a veterinarian invoice.
Insurers will usually request information from all involved vets if more than one is involved, such as a referral to a specialist or emergency out-of-hours treatment.
Although most insurers will deal directly with vets, it is up to the policyholder to ensure that the insurer has all necessary information to cover a claim.
If the policyholder authorizes, payment can be made from the insurer directly to the vet for claims that have been paid. Some vets may prefer to receive payment directly from customers, but not all will accept payment directly from insurers. This decision is up to the vet and not an option for customers or insurers.
Your pet insurance policy will outline the information that your insurer will require to process non-vet fee claims. If you want to file a claim for the pet’s purchase price, your insurer might ask for your pet’s pedigree and purchase price information.
What is Pet Insurance?
It is crucial that you select the right pet insurance policy for your future needs. To ensure you fully understand the coverage, make sure to read the policy conditions. Most policies don’t cover pre-existing conditions, so it is important to choose the right insurance policy from the beginning.
In general, pet insurance policies will specify the maximum amount they will pay under each section.
Insurance policies can provide coverage for:
Veterinary fees are the cost of diagnosing, treating and monitoring a pet’s health. This is the core coverage provided by pet insurance. It usually covers the cost of consultations and tests, xrays, MRI/CT scans and medication. Bandages, surgery and hospitalisation are also included. The cost of referring your pet to a specialist vet and any complementary treatments like physiotherapy, osteopathy and chiropractic are often included. Other therapies such as acupuncture, homeopathy, and herbal remedies might also be covered.
Third-party liability – If your dog causes injury to another person or damages property of someone else, the policy will cover the cost of any compensation.
You will receive the purchase price, or the market value, if your pet is stolen or lost.
Advertising costs – The cost of advertising to find your pet, or reward you for locating it.
Hospitalisation and Boarding Fees – This is the cost to look after your pet if you need to be admitted for any unforeseen medical reasons. You will usually be required to stay in hospital for a specified number of days, typically 4 consecutive days. This is usually covered by your policy.
Cancellation of holiday – If your pet requires emergency lifesaving treatment, you will be charged for the cost of the holiday.
Overseas vet costs – This is the cost of emergency treatment for your pet when you travel abroad. If your pet is missing or requires emergency vet care, some pet insurance policies may cover extra costs like lost pet travel documents and emergency expenses abroad.