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Your Guide to Indirect Insurance Claims

How to make indirect claims

Indirect Claims

When your insurance company reimburses you directly

What we need from you:

  • Full payment of your invoice(s) before your claim can be processed
  • The claim form must be signed by the policy holder
  • Sections of the claim form that the policy holder is required to complete must be filled out correctly
  • A completed claim form for each condition you wish to claim for
  • If your insurer asks you to complete your claim online, what we need from you will be greatly simplified. Please note the process may differ between insurers
  • For any claim that you submit to your insurer through our systems or services, we require you to initiate the claim by notifying your insurer in advance of your intent to make a claim and to complete and sign an Insurance Claim Details Form prior to submission of the claim.

What we’ll do:

  • Complete the claim form and have it signed by the vet in charge of the case (or other authorised staff member)
  • Aim to send it promptly to the insurer by post or electronically (assuming your account has been settled in full and the claim form has been completed appropriately by you)
  • Attach the clinical history, along with a copy of any payments you’ve made (you do not have to keep any receipts)
  • Provide any information requested by the insurer during the processing of the claim e.g. blood results, x-rays, etc.


Policy Excess

  • This is a payment which must be paid by you, regardless of whether you’re making a direct or indirect claim
  • An excess is charged per condition
  • If your policy year ends and restarts whilst making a claim, you may be required to pay another excess
  • Some policies charge a percentage excess, as well as a fixed excess, on the total of a claim