How to claim

You have up to one year from the vet's diagnosis or the date an accident happened to make a claim. We’ll not be able to pay claims submitted later. If you decide to cancel your policy, you’ll have 12 months to let us know of any treatments that took place before the cancellation date.

Most customers make their claims online. Our online service is available 24/7 and we've made it as easy as possible so it's best to start there. If you prefer to call or email, you can reach us Monday-Friday 9 am-5 pm on 0345 646 1213 or myclaim@manypets.com.

Yes, we can pay you or your vet directly. Simply tick the box regarding who you would like us to pay, when submitting your claim.

We will pay the first vet that you have listed during your claim submission. You can enter up to two different vets.

If you would like us 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.

It's a good idea to check with your vet that they will accept direct vet payments. Most of them do, however, its always best to check.

No need for a form, we’ll deal directly with your vets. All you need to do is submit a claim online.

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 policy

• 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 policy.

• If you delayed the start date of your policy, 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 policy and not on renewal.

If you are a vet or specialist making a claim on behalf of your client, please call 0345 646 1213 (Monday-Friday 9 am-5 pm) or email myclaim@manypets.com. Once you’ve given us your client's information, and the amount owed we will contact them directly to make sure they are happy for us to process the claim. We can pay you directly.

It's quick and easy to claim online but you can make a claim over the phone, just call 0333 130 4552​.

Our claims handlers will ask about the claim and your vet’s contact information. After that, we’ll be able to process the claim. We won’t ask you to fill in any forms, which should speed up the process and make your life easier.

If you have your policy number and any receipts for treatment to hand when you call it can speed up the claim, but this information is not essential.

Once we’ve contacted your vet we’ll update you on how the claim is progressing via text message and email.

If the claim is approved we can pay you or the vet, whichever you prefer.

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

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

If your pet doesn't need treatment, medication, or advice for a condition for 24 months, 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.