A Pet Insurance insures the client’s pet which is named and described in the insurance certificate. Pet insurance policy covers the vet fees set out in the document, payment to the client in case a pet dies, stolen or lost, the cost of the pets staying in the kennels or cattery, the cost in case the client has to cancel a holiday because of his or her pet needing life saving surgery, and legal payments to other people if pet injures them or damages their property.

While making a pet insurance claim, a client can call the insurance company for general or specific advice on whether the fees will be considered by the company for services provided outside client’s usual veterinary practice. A client can ask for a claim form over the phone and the company will send the form to client within a specific period. The client and the vet need to fill in the form along with sign, date and complete payment details etc.

The insurance company will look into details of the claim form and see if it is correct, complete and having all the information needed to support the claim i.e. the purchase receipt’s, pedigree certificate etc. After settling the legal issues, if company found the claim to be valid, it will pay for the claim. With client’s and vet’s approval, the company can pay claims directly to the vet. Insurance companies usually do not settle claims directly to anyone except the vet. It is necessary to send the claim form to the insurance company as soon as possible along with the required documents.

Pet Insurance Claims are usually not applicable in case of injury, illness, loss or legal responsibility claims are made during the first couple of weeks after the client take out this policy, or claims which would be covered by other any other insurance that a client might have, and claims where pet has been used for or is being trained for showing, security purposes or racing etc.