How to Claim Pet Insurance
No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.
Last updated: June 11, 2026
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
The 5-Step Process (Works for Every Provider)
1. Pay the vet bill first
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
4. Wait 5-10 business days
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
5. Money lands in your bank account
Once approved, the reimbursement (minus your excess and the un-reimbursed percentage) goes to your nominated bank account.
Claim Speed by Provider
Why Claims Get Rejected
- Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
- Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
- Insufficient documentation. A credit card receipt is not enough. You need the itemised invoice.
- Policy limit exceeded. You hit your annual cap or a sub-limit on that condition.
- Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.