Vet fees can be expensive so many people take out pet insurance so they know they can afford treatment.
It's understandable that some pet owners are left upset and frustrated when a claim is rejected by their insurer. We’ve looked at some of the most common reasons why insurance claims are refused.
Whether you are searching for a policy or in the process of making a claim, here’s a list of tips to help make sure your pet is covered and that your claims are successful.
You can find out more about your insurance options with our guides to the best pet insurance for dogs and cats. Or check out our pet insurance, we've made our policy docs easy to understand to help you know exactly what you can claim for.
1. Have you read the policy wording?
You should always read the policy wording before taking out insurance. It is vital that you understand the terms and conditions of your cover and double check anything that is unclear with your insurer.
Insurers include the definitions of important words in their policy documents. Be sure to read this thoroughly and don’t assume the meaning of certain terms based on their everyday use or your previous experience with another insurer.
Once you’ve agreed to a certain set of terms it is difficult to make a claim for something that is not included in them.
2. Cover for pre-existing conditions
Most UK insurers do not cover pets with pre-existing conditions. Check how the insurer defines existing conditions - the best case scenario is likely to be any injury or illness experienced during the two years before a policy is taken out, together with any related conditions. Chronic illnesses are almost never covered by new policies.
If your pet does have a condition that you would like to be covered, you must check whether this is possible with the insurer first.
At Bought By Many, we offer pet insurance that owners are looking for so all our policies cover conditions that ended at least two years ago and we have a policy that can cover more recent pre-existing conditions.
3. Check when your policy starts
Pet insurance often does not kick in until after the first 14 days of your policy, which is known as the "exclusion period" or "waiting period".
While this gives you the chance to change your mind about a policy, it also means that you won’t be able to make a claim during the first two weeks for an illness (claims for accidents are often excluded for the first 48 hours).
If the official start date of your policy is not clear, be sure to double check with your provider.
At Bought By Many, we've removed the 14-day waiting period for owner who switch to our cover with no gap in cover from their previous provider.
4. You may not be covered for 'routine treatment'
There are a number of treatments that most insurers will not cover, including vaccinations, spaying, neutering and pregnancy-related issues.
You will have to pay for these basic treatments and some insurers will require you to have them for your cover to remain valid.
If you’re insured with Petplan, for example, your dog must be vaccinated against distemper, hepatitis, leptospirosis and parvovirus. And cats must be vaccinated against infectious enteritis, cat flu and feline leukaemia.
If they aren’t vaccinated against these and develop a related condition, Petplan may refuse your claim.
5. Do you know about the 12-month limit?
The 12-month limit refers to the period you can claim for a specific condition under time-limited pet insurance policies.
Here's an example of how it works: if you make a claim for a dog suffering from cancer and your insurer pays out, you will be allowed to continue making claims relating to the condition for up to 12 months or up to your vet fee limit. Once you've reached 12 months from the claims, cancer will be excluded from the policy and you won't be able to make any more claims relating to it.
Many companies offer lifetime policies, which allow owners to claim for a condition throughout a pet's life.
Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year. This can be a good option if you worry about your pet developing a long-term or recurring illness. So long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with.
With a lifetime product, it is important to note that your premiums may increase each year at renewal.
Annual policies with 12-month limits are likely to be cheaper than lifetime policies but can cost owners more in the long term if they have to pay for treatment that has been excluded.
6. Does your pet need dental cover?
Dental cover is not always included as standard in pet insurance policies. If your pet needs dental care, be sure to clarify whether it is included or an optional extra before purchasing a policy.
Most pet insurers will not provide cover for routine dental care. Dental treatment can also be expensive and is one reason why pet insurers exclude it from their policies. Some policies will include cover for dental treatment if your pet has an accident but treatment for dental illness is often only included on the most comprehensive policies.
Bought By Many's Complete policy offers up to £15,000 of vet fee cover and includes dental cover for illnesses and accidents as standard. This is the most comprehensive pet insurance on the market.
Dental issues can be assessed through video and online vet consulations if pet owners can't immediately visit their local vet surgery. Bought By Many pet insurance customers have unlimited free access to video consultations with qualified vets through the FirstVet app.
Learn more about which companies offer dental cover for pets.
7. Your pet's age can affect your claim
Understanding how your pet's age affects insurance is an important point to be aware of.
There is no set age limit for pet insurance and any limits that are in place can vary between different insurers. Firstly, before taking out a policy, check if there's an age limit. Some insurers have limits that won't allow you to get cover for older pets.
At Bought By Many we believe that all pets should be covered and provide policies for dogs and cats of any age. If you're not sure about your pet’s age it's possible to get an estimate from your vet.
Minimum age requirements might only be a few weeks. At Bought By Many we won't insure pets under four weeks of age. However, any maximum age limits can vary between insurers and breeds. You should again check your policy for details.
Most insurers will state that once a pet reaches the age of 8 or 9 they will be classified as older pets. Like humans, pets are more likely to neeed medical treatment as they get older, and insurance premiums tend to be higher for this age group.
Once you've taken out a policy, your cover will continue even after your pet passes the maximum age stated, as long as you continue to pay your premiums. If you allow your policy to lapse, you may find it difficult to find a new policy or claim for a previous health condition.
For older pets you may be required to pay what's known as a co-payment. It means that once your pet reaches a certain age you will need to pay a percentage of the claim cost.
When your pet reaches a certain age, you can't claim death from illness. At Bought By Many, we don't pay for pets over 9 years old that die from illness. When a pet reaches old age, the likelihood of death from illness increases. Insurance is designed to cover vet fees for accidents and medical treatment.
We've listed some of the providers that offer cover for older dogs here.
8. Exclusions for pets used for commercial purposes?
Most insurers will not cover pets used for commercial purposes. That includes security, track racing, breeding and more. If you are unsure whether your pet will fall into this category, make sure that you double check with your insurer.
It is possible to get specialist liability policies for working dogs. Find out more here.
9. Make sure your pet's details are up to date
Tell your insurer about any changes to your pet’s circumstances. This includes moving house or even changing owners. Your insurer must be aware of your pet’s details because they can affect your premium and ability to claim.
My claim has been refused
If you believe that your claim has been unfairly refused the first step is to file a complaint through your provider. If this is rejected, you can take your claim to the free Financial Ombudsman Service .
To find out about the Financial Ombudsman’s approach to insurance check out their website.
You can also find more advice on how to deal with a rejected insurance claim on the Citizens Advice Bureau website.