Pet insurance: Can I claim straight away? Claim at this time and pay out could be refused


When it comes to caring for a pet, things can get expensive. Aside from food and everyday care, unexpected veterinary bills may soon add up. In order to combat this, some people may opt to pay regular premiums in exchange for pet insurance cover, in case the animal they care for ever needs medical treatment. So, how soon can one make a claim on their pet insurance?

While it may well be tricky to predict when a pet will need veterinary care, it seems that some insurers require the first claim to be after a certain time limit.

According to a guide by Bought By Many, it may be that, for some insurers, at least two days must have passed before a claim for an accident may be made.

What’s more, for illnesses, the first claim may not be able to be made for at least the first two weeks.

“Even if you’re new policy starts the day after your old one ended you generally wouldn’t be able to claim for accidents in the first 48 hours or illness in the first 14 days,” the website advises.

“Insurers add this exclusion period to prevent fraud from people who know their pet is about to need treatment so they get a policy to cover the costs.”

The online community platform Claim Score has compared 12 pet insurance policies in the UK, and stated that all of these had an initial exclusion period for claims in regard to an illnesses.

This is generally 14 days from the date that the initial policy is purchased, it said.

However, there were some policies in the comparisons which offered cover from just 10 days after the policy was purchased.

When it comes to claims for injuries, some of the insurance policies did state that they had a 48 hour initial exclusion period, the guide said, however that’s not to say that they all did.

“With all the standard policies however, pre-existing medical conditions are all excluded from any claim,” Claim Score added.

Pet insurance is something which some carers for pets may wonder about getting.

One person took to the internet to seek advice, after their insurer refused to pay out.

The claim was denied after the owners missed a check up appointment.

Beginning a Mumsnet thread, they penned: “I sometimes wonder about doing this: putting money into a pot for possible treatment, that would otherwise be spent on insurance.

“I’ve had a cat for six years, and another cat for the last two years.

“I know that pets are expensive to keep – no doubts there, and that something bad can happen at any moment.

“But seeing endless direct debits going to insurers, as well as vets’ bills, and getting absolutely nothing in return (not even peace of mind), makes me wonder if it’s really worth it. …so many vets’ bills just don’t seem to be covered by insurance: vaccinations, checkups, etc.”

They continued: “One time our cat needed some expensive dental treatment, they refused to pay anything, because we’d missed a dental checkup in the last year.

“Not a proud moment, learned that the hard way, but was very angry that I had been paying premiums for several years, only to be told this.”


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