Claim on your pet insurance

You can submit claims for your customers using our ManyPets claims portal for vets. Our online claims platform was built in partnership with vet team members like you. Your claiming experience is now easier and more efficient than ever.

By streamlining the process, and sending all documents through the vet portal, claims are paid to you much more promptly.

You have six months from each treatment or service date to make a claim. This will apply when you try to get a new plan or renew after August 1st, 2024. 

For new policies or renewals that were purchased before that date, up until your next renewal, you’ll have 12 months. 

We can’t pay any claims submitted later. This is the same if you cancel your plan. You must submit your claim as soon as it's ready.

If you’re ready to submit a claim, our online service is available 24/7 and we’ve made it as easy as possible, so it’s best to start there. Here's a link to My Account.

It's a good idea to check with your vet that they will accept direct vet payments. Most of them do, however, it’s always best to check.   If they are happy to do so, they may also be able to submit the claim on your behalf using our online claims portal for vets.  If your vet is happy to submit the claim on your behalf for direct payment, this means that you do not need to also submit the claim to us as this will cause a duplicate and may delay the claim for you.

Not all Vets are able to assist our customers with submitting claims,  which is why our customers can register claims via My Account, all you need to do is select your Vet as the Payee.  You can enter up to two different vets.  We are also able to pay a different vet – in the case of a referral, for example – then you can let us know in the comments box called ‘Almost there’ at the end.

Good news: at ManyPets we don't make you do paper forms. Instead, we give you two easy options:

1. Ask your vet to do it for you. We've worked with vets to build a Vet Portal that helps them to submit your claim and supporting information in a couple of steps. Vet portal claims get processed faster. Why not ask them if they are signed up?

2.  Alternatively, you can submit your claim via My Account. We'll ask you for all the important information, and as a minimum, we'll need you to upload a paid, itemised invoice. The more you have to hand, the better so you can also upload any relevant correspondence or health history from your vet too, if you have them.

If your pet is receiving ongoing treatment, you can either claim as treatments take place or at the end as one large claim. All claims can be registered up to 12 months after the date of treatment or accident.

Making a continuation claim is easy, visit your account, create a new claim, select which claim it relates to and tell us how much you would like to claim for. Generally, we will only need an invoice for the most recent treatment your pet has received. If we require another copy of your pet’s medical history, we will reach out to you and your vet directly.

What you need to know: 

• If you have switched from another insurer, and do not have a gap in cover, we can accept claims straight away as long as you can supply evidence of your previous insurance. 

• We are not able to pay for an accident in the first 48 hours of your plan

• We are not able to pay for illnesses or behavioural conditions in the first 14 days of having cover with us.

• We are not able to pay a claim if your pet passes away due to illness within the first 14 days of the plan.

• If you delayed the start date of your plan, these waiting periods begin from that policy start date.

• You have up to one year from the first diagnosis of an illness by a vet or the date an accident happened to make a claim. We will not be able to pay claims submitted later.

Waiting periods only apply when you first purchase a plan and not on renewal.

We don't currently offer pre-authorisation on claims.

Pre-existing Conditions 
Unless you have Standard Care Pre-existing, we can’t cover claims for pre-existing conditions. A pre-existing condition is something that your pet had signs or symptoms, treatment, medication, or advice (including anything a vet observed and recorded in your pet's clinical history) for in the 24 months before your policy start date. 

If your pet doesn't have any signs or symptoms or needed treatment, medication, or advice for a condition for 24 months before the policy start date, we’ll no longer consider it pre-existing, and you’ll be able to claim for it.

Routine Spaying and Neutering 
If you decide to spay or neuter your pet, we are not able to pay your claim. 

If your Vet recommends spaying or neutering due to a medical condition, we will happily review your claim.