The Pet Insurance Claim Process UK: Step by Step
Whether you are making your first pet insurance claim or navigating a more complex case, knowing each step of the process makes the whole experience less stressful. This step-by-step guide walks you through what to expect from the moment you visit the vet to the point your claim is settled.
Key takeaways
- Request a fully itemised invoice from your vet at the time of treatment — this is the most important document for your claim.
- Submit your claim form, invoice, and supporting notes together to avoid delays caused by missing information.
- Keep copies of all documents you send to the insurer and note the date of submission.
Step 1: Visit Your Vet and Keep Records
When your pet needs treatment, focus on their care first. Ask the vet practice for an itemised invoice that clearly shows each treatment, test, or medication and its cost. Also request clinical notes if your insurer routinely requires them. Having complete documentation from the outset avoids delays later in the process.
Step 2: Get Your Claim Form and Complete It
Download or request a claim form from your insurer — most are available on the insurer's website or app. Fill in the details accurately, including your pet's name and policy number, the nature of the condition, and the date of treatment. In some cases the vet will need to complete part of the form as well, so allow time for this.
Step 3: Submit Everything Together
Submit your completed claim form, the itemised invoice, and any supporting notes at the same time. Insurers process complete submissions faster than those missing supporting documents. If submitting online, ensure scanned or photographed documents are legible. Keep copies of everything you send.
Step 4: Await Assessment and Payment
The insurer will review your claim against your policy terms, your pet's history, and the documentation provided. If approved, payment is usually made to you within five to ten working days. The excess (and any co-payment) will be deducted from the settlement. If additional information is requested, respond as promptly as possible to avoid delays.
Find a Vet Near You
Use CompareMyVet to search vet practices by postcode and compare prices where published — free, no sign up needed.
Related guides
Common questions
No. Any condition that existed or was treated before the start of your policy is considered pre-existing and will be excluded from claims. Cover applies only to new conditions arising after the policy begins.
You can submit the invoice and claim form and indicate that clinical notes will follow, but be aware this may delay processing. In urgent cases, speak to your insurer directly about their preferred approach.
Most insurers send a confirmation email or notification when a claim is received. If you are submitting by post, consider using recorded delivery and follow up by phone or email if you do not receive confirmation within a few days.
Find a vet near you
Search by postcode or city to find vet practices near you, with prices and ownership where available.
Find a vet near you →Run a vet practice?
List your practice on CompareMyVet. Free to register, no contract, and ahead of the CMA's September 2026 deadline.
Register your practice →