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

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