Pet Insurance Claims
Manchester Cat Clinic insurance claims policy (updated 1st December 2024)
Please read the following information carefully regarding how we work with different insurance companies.
We do not charge for submitting insurance claims to companies who we can work with electronically, including:
AA, Ageas, Agria, Animal Friends, Argos, ASDA, AVIVA, Co-op, CoverMyPet, Debenhams, Directline, Everypaw, Halifax, Healthy Pets, John Lewis, Kennel Club, LV=, ManyPets, MiPetCover, More Than, M&S, Napo, Paws and Claws, Pet-ID, Petplan, Pets at Home, Pets in a Pickle, Petwise, Purely Pets, Saga, Sainsburys, Tesco, UIS, Waggel
Admiral policies which have a policy number starting with "ADMP" or "ADMM"
Please note that Argos, Sainsbury's & Waggel all have online portals for policyholders, but not vets. We need you to instigate every claim (including continuation claims), and then the insurance company will email us a link to complete our side online. If you're not sure what to do, we can advise you how much to claim for and what condition to put it under.
From 1st December 2024, we charge a £20 admin fee per claim (including continuations) for companies who require paper or PDF forms to be completed by our team, including:
Insurance Emporium, Healthy Pets, Pet-Insurance.co.uk
Some RSPCA & PDSA policies depending on how recently they were taken out
Admiral policies which have a policy number starting with "ADU" or "ADH"
We can offer direct claims with most pet insurance companies, with the exception of the following companies, with whom we can do standard claims only:
Co-op, Frank, Healthy Pets, Insurance Emporium, Insurance Factory, Pet-Insurance.co.uk, Petsure
A standard insurance claim is where you pay your bill and then claim it back from your insurance company. With a direct insurance claim, your insurance company pay us directly. Check out the following links for information on...
How to do a standard insurance claim
If you've already paid your vet bill, and you'd like us to submit a claim to your pet insurance company, just let us know what you'd like us to claim for and whether you've ever claimed for the same condition before.
It is often quicker and easier for us to send insurance claims on your behalf as we work with many insurance companies electronically - see the bottom of the page for more information.
To do a standard insurance claim, we need...
Your pet insurance company name and policy number
Your cat's complete medical history
If it's a continuation claim, and the previous claims were done by another practice, we'll need to know what the name of the insurance condition they claimed under. For new claims, we can determine the most appropriate phrasing for the insurance condition..
How to do direct insurance claim
If your cat is undergoing treatment, and you'd like us arrange for your pet insurance company to pay us directly, please let us know as soon as possible. We often do direct claims, but they need to be approved by one of our Directors after reviewing your policy and your cat's medical records. Not all insurance companies offer direct claims - check your policy or ask your insurance company.
Some insurance companies (eg. Petplan, Animal Friends) offer pre-authorisations for direct claims, which can help us to ensure that pre-planned procedures will be covered.
To do a direct insurance claim, we need...
A copy of your pet insurance policy, including policy number, start date, excess, cover limits and details of any exclusions
Your cat's complete medical history
You to electronically sign a form giving consent for us to claim for our fees directly from your pet insurance company, and agreeing that you will pay your bill if the claim is rejected
Authorisation from one of our Directors, who will review your policy and cat's medical history (this is to reduce the risk of us submitting a claim that is rejected)
A credit or debit card securely on file on our payment system, and payment of any excess or co-payments
If it's a continuation claim, and the previous claims were done by another practice, we'll need to know what the name of the insurance condition they claimed under. For new claims, we can determine the most appropriate phrasing for the insurance condition.
Insurance excesses and limits
Your insurance policy will have...
An excess, which is the amount you need to pay towards each claim
A cover limit, which is the total amount your insurance will pay out each policy year
For example, for a policy with a £100 excess per condition and a £7000 cover limit per year, you will pay the first £100 when claiming for any condition, and your insurance will pay the rest up to £7000 per policy year.
Some policies also have a percentage excess or co-payment. For example, for a policy with a £100 + 20% excess, you would pay the first £100 when claiming for any condition, then 20% of the rest of the bill. So for a £500 bill, you would pay £180 (£100 + 20% of £400).
Your excess and cover limit will usually be detailed on your insurance policy documents. If you aren't sure, speak to your pet insurance provider.
If you need any help with insurance claims, speak to our Practice Manager Lilli Bowers on hello@manchestercatclinic.co.uk.