How to make a claim

Submit claims in two shakes of a tail

You can claim online or by phone and there aren’t any claims forms to complete. We’ll even contact the vet for you. Log in to get started.

Got an internet connection?

Great, you can file a claim in seconds

Unlike your pet, you’ve got opposable thumbs and an electronic device. That means you can send us their vet bill in a flash, and we’ll process your claim ASAP*. And our Customer Care Team can answer any questions by phone, or email.
Pay the vet

1. Pay the vet (any vet)

Take your pet to any licensed vet and pay your bill. (It gets more fun from here.)

Submit your claim online

2. Submit your claim online

Just upload your vet bill and submit it to us. We’ll take things from there.

Painless money

3. Sit back and wait to get paid.

That's it.

Gold service throughout!!!

Super easy, quick, and great service. Affordable with great coverage! Oakley is so pleased he's covered and safe.
We're here to help

Frequently asked questions about claims

How do I file a pet health insurance claim?

Just follow these three (3) simple steps*:

Step 1: When your pet is sick or injured, visit any licensed veterinarian in the U.S. for diagnosis and treatment, and pay as usual at checkout (don’t forget to ask for a copy of your itemized vet bill).

Step 2: Log in to your account at and press the “Make a Claim” button. Enter the details of your claim, upload a copy of your itemized vet bill (and your pet's medical record if it's your first claim), and press submit!

Step 3: Sit back and relax while we process your claim. We’ll send you regular updates via email so that you can track our progress.  If approved, we’ll pay you back for everything we cover up to your copay amount and after you’ve met your yearly deductible.**

If you need to contact someone from our team, please email

*You have up to 180 days after paying your vet bill to submit a claim.
**ManyPets analyzes every claim on its own merits, subject to the terms and conditions of your policy. Exclusions apply, including those for pre-existing conditions. Only claims unrelated to an excluded treatment or condition are eligible for coverage.

What documentation do you need from me?

When you submit your first claim, we ask that you also submit your pet's medical records from the prior eighteen (18) months.

After that, we'll only need you to send us a copy of the vet's or clinic's invoice and receipt when you submit a claim. We may ask for additional information from your vet when handling your claim, but nothing else from you.

How will I get paid for a pet insurance claim?

We’ll reimburse approved claims via direct deposit to your bank account or via check, your choice.

How fast will my claim get paid?

We aim to process most of our accident and illness claims in less than 8 to 10 business days. However, there will be instances when we need more information from your vet, so the claims process may take longer to settle.

Please note that some banks and financial institutions may take up to ten (10) days to process your reimbursement before funds become available in your account.

Should I file a claim if my vet’s invoice is less than my deductible?

Yes! We recommend submitting all claims about new accidents, illnesses, and injuries to maximize your annual deductible.

Reminder - your annual deductible is the amount you contribute before your insurance kicks in, so every qualifying invoice helps.

Will my monthly premium (price) increase after filing a claim?

No way! The point of pet insurance is to use it when you need it. You can submit as many insurance claims as you like online, and there will be no impact on your monthly premium.

*State-specific waiting periods apply. See your plan for details.