How to claim

Yes. Your vet can select themselves as the payee when submitting a claim, so we can pay them directly if your claim is approved. This can reduce stress for you and streamlines the claims process. Please confirm your vet does direct claims with insurers before choosing this option. 

Absolutely. It’s the most efficient way to claim. Your vet can do this via our ManyPets Vet Portal. If your vet isn’t registered, they can head to our vet page. 

You can get each vet to log a claim for the treatment your pet had at each clinic through the ManyPets Vet Portal. If you’re logging the claim yourself on My Account, you can add multiple vets to one claim. You’ll need to make sure you have your pet’s full medical history and the itemised invoice of all treatments for the claimed condition. You’ll need the invoice for every vet involved.

If you have already paid your vet for your pet’s treatment, they can still submit the claim for you and select you as the payee. This is still an easy way to make sure we get all the correct information and documents to process your claim as quickly as possible. 

Some vets may charge you an administrative fee to do a direct claim for you. This is at the vet’s discretion. We can’t cover this, so you’ll need to pay for it yourself. The charge is to account for the time they take to correctly submit your documents and take responsibility for managing the claim. 

If your vet cannot help you with a claim, or does not do direct claims with insurers, you can still head to My Account to submit the claim yourself.

It may take your vet a day or two to log the claim with us, and for it to show up in MyAccount. If you are concerned it has not been submitted, you can check with your vet to ensure they’ve submitted or contact our customer support team to check our system.

The only way a vet can submit a claim for you is via the ManyPets Vet Portal. If they’re not already registered, they can do so quickly here. 

The only way for vets to log claims is through the ManyPets Vet Portal.

We don't offer pre-authorisation, but it's something we're looking into.

Your vet can view everything about your plan through the ManyPets Vet Portal. If your vet is registered, they can quickly log in to read details, like your vet fee limit or excess. If they're not registered, they can do so here.

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.

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 6 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.

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 6 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.

Please read your handbook for details on what's covered and what isn't. Some examples of things that insurers typically don't cover are pre-existing conditions and routine care. It's essential you read your policy information before claiming.