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What are the waiting periods before I can claim?

ManyPets
Last updated 9 months ago - 1 min read

A waiting period, which begins the day after you buy your policy / add a new pet to an existing policy, is a set amount of time you’ll need to wait before making a claim on your insurance. 

If you’re switching from another insurer and your pet has had 12 months of continuous cover up until your policy start date, then good news! With the exception of bilateral conditions and first pregnancies (more details below), we’ll waive our waiting periods to ensure you have continuous cover.

If your pet has not had 12 months of continuous cover, then the following waiting periods will apply. That means you’ll have to pay for any treatment costs incurred during this time. 

  • Any accident that occurs within 48 hours of the policy start date.
  • Any illness that occurs within 14 days of the policy start date. That condition will then be classed as pre-existing for 12 months.
  • If your pet passes away due to illness within 14 days of the policy start date.

If your pet has been treated for a bilateral condition in the last 24 months, the waiting period for claiming for this condition is 12 months.

If your pet experiences any complications from a first pregnancy, the waiting period for claiming for this is 6 months. 

There are no waiting periods if you’re renewing an existing policy with us.

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Claiming online

Claiming online is easy, log in to My Account, select the policy you would like to make a claim against and upload your invoices, we’ll do the rest.

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All our customers with vet fee cover can get unlimited, 24/7 online vet advice. We give you unlimited online access to UK-registered vets, so that you can get fast, expert advice if your pet looks unwell or has an injury.

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