Pet Insurance Claims
We don't charge extra for submitting insurance claims, and we can often work with your pet insurance company directly.
Check out the following links for information on...
How to do a standard insurance claim
If you've already paid your vet bill, and you'd like us to submit a claim to your pet insurance company, just let us know what you'd like us to claim for and whether you've ever claimed for the same condition before.
It is often quicker and easier for us to send insurance claims on your behalf as we work with many insurance companies electronically - see the bottom of the page for more information.
To do a standard insurance claim, we need...
Your pet insurance company name and policy number
Your cat's complete medical history
If it's a continuation claim, and the previous claims were done by another practice, we'll need to know what the name of the insurance condition they claimed under. For new claims, we can determine the most appropriate phrasing for the insurance condition..
How to do direct insurance claim
If your cat is undergoing treatment, and you'd like us arrange for your pet insurance company to pay us directly, please let us know as soon as possible. We often do direct claims, but they need to be approved by one of our Directors after reviewing your policy and your cat's medical records. Not all insurance companies offer direct claims - check your policy or ask your insurance company.
Some insurance companies (eg. Petplan, Animal Friends) offer pre-authorisations for direct claims, which can help us to ensure that pre-planned procedures will be covered.
To do a direct insurance claim, we need...
A copy of your pet insurance policy, including policy number, start date, excess, cover limits and details of any exclusions
Your cat's complete medical history
You to electronically sign a form giving consent for us to claim for our fees directly from your pet insurance company, and agreeing that you will pay your bill if the claim is rejected
Authorisation from one of our Directors, who will review your policy and cat's medical history (this is to reduce the risk of us submitting a claim that is rejected)
A credit or debit card securely on file on our payment system, and payment of any excess or co-payments
If it's a continuation claim, and the previous claims were done by another practice, we'll need to know what the name of the insurance condition they claimed under. For new claims, we can determine the most appropriate phrasing for the insurance condition.
Insurance excesses and limits
Your insurance policy will have...
An excess, which is the amount you need to pay towards each claim
A cover limit, which is the total amount your insurance will pay out each policy year
For example, for a policy with a £100 excess per condition and a £7000 cover limit per year, you will pay the first £100 when claiming for any condition, and your insurance will pay the rest up to £7000 per policy year.
Some policies also have a percentage excess or co-payment. For example, for a policy with a £100 + 20% excess, you would pay the first £100 when claiming for any condition, then 20% of the rest of the bill. So for a £500 bill, you would pay £180 (£100 + 20% of £400).
Your excess and cover limit will usually be detailed on your insurance policy documents. If you aren't sure, speak to your pet insurance provider.
Insurance companies
The following information about insurance companies who we have experience of working with is correct at the time of writing (September 2023) but may be subject to change. If your insurance company isn't on here, don't worry - we might just not have worked with them yet.
Vetenvoy insurance companies
The following companies use Vetenvoy: AA, Ageas, Agria, ASDA, AVIVA, Co-op, CoverMyPet, Debenhams, Halifax, Healthy Pets, Kennel Club, LV=, MiPetCover, Paws and Claws, Pet-ID, Petplan, Pets at Home, Pets in a Pickle, Petwise, Purely Pets, Saga, UIS
This means that we can send any claims to these companies electronically in seconds. You don't need to do any paperwork.
Companies with online vet portals
Animal Friends, ManyPets & Napo all have online portals for vets which we have accounts with. We can use these portals to submit any claims without you having to do any paperwork.
RSA Group insurance companies
John Lewis, More Than, M&S & Tesco claims are all done in a similar way. More information is available on each company's website.
New claims must be sent via email with a completed claim form, which means that you will need to complete the "Policyholder to complete" section of the form and then send it to us to complete the rest & submit.
We can submit continuation claims online without you having to do any paperwork.
Companies who require policyholders to instigate all claims
Argos, Sainsbury's, Petsure & Waggel all have online portals for policyholders, but not vets. We need you to instigate every claim (including continuation claims), and then the insurance company will email us a link to complete our side online. If you're not sure what to do, we can advise you how much to claim for and what condition to put it under.
Got a question about insurance claims? Email our Practice Administrator Lilli on hello@manchestercatclinic.co.uk