Making a Pet Insurance Claim

Details on how to make a Pet Insurance claim.

> Have you taken your pet to the Vet?
> Is this an ongoing illness?
> To make a new claim?
> Pet passed away?
> What’s not covered?
> Policy Limits
> What’s my excess?

> Have you taken your Pet to the Vet?

We know how important your pet is to you – they’re your friend, your companion and a big part of your family. That’s why, if you take out a policy with MORE TH>N we offer a FREE pet helpline provided by vetfone on 0800 072 8190, that you can call anytime of the day or night.

Key information to have to hand will be your policy number, your pet's name, it's breed and it's approximate age.

ASK ANY KIND OF QUESTION, GET EXPERT ADVICE – Give them a call if your pet is sick or needs first aid – it may save you an unnecessary trip to the vet.

But also feel free to give them a ring about any aspect of animal behaviour – from grooming and feeding, to travelling with animals and dietary tips.

Your call will be answered by a qualified RCVS vet nurse who has lots of hands - on experience.

If your call is at the weekend or late at night, we can direct you to the nearest out of hours vet clinic.

If vetfone recommend that your Pet is taken to a Vet for treatment they can also send you a claim form.

> To claim for an ongoing illness

All claims for ongoing illness require a fully completed claim form

It's important that the form is returned fully completed with any supporting information included, any missing information will delay the time it takes to process your claim.

You can expect a response to your claim within 15 - 20 working days of submission

Any claim will be settled by cheque.
All claims for veterinary treatment fees must be submitted within 30 days of first treatment.
For ongoing treatment you must submit ongoing claims every 3-6 months

Download a claim form

Instructions

1. Complete Sections A-E
2. Print the partially completed claim form
3. Your vet should now complete sections F & G on the printed copy
4. Attach all supporting documentation as described in the claim form section G
5. Return your claim form to More Th>n, Freepost, RSKZ-LZSG-KSXB, PO BOX 15769, Birmingham, B2 2RA

> How to make a new claim

If your animal is unwell and you haven't already been to the vet please click here

All new claims require a fully completed claim form
It's important that the form is returned fully completed with any supporting information included, any missing information will delay the time it takes to process your claim.
You can expect a response to your claim within 15 - 20 working days of submission
Any claim will be settled by cheque
All claims for veterinary treatment fees must be submitted within 30 days of first treatment
For ongoing treatment you must submit ongoing claims every 3-6 months

Download a claim form

Instructions

> Pet passed away?

We're sorry to hear of the loss of your pet.

All claims for vets fees as a result of your pet passing away require a fully completed claim form.

Your Veterinary Surgeon must state the date and the cause of death or reason for having your pet put to sleep.

To claim the price you paid for your pet, please send your pet's original pedigree certificate and purchase price receipt signed by the breeder or the person from whom you brought your pet, together with his / her name and full address. For rescue pet's please send the paperwork you were given by the rescue centre showing the price / donation you paid.

In the absence of the full supporting papers we will pay a fair price, based on the breed / type and year of birth at the time you got your pet.

We understand the sentimental value of your pet's original papers and wish to assure you they will be returned to you.

You can expect a response to your claim within 15 - 20 working days of submission
Any claim will be settled by cheque

Download a claim form

Instructions

> What’s not covered?

For detailed information on what 's not included in your policy please consult your policy wording.

To help you make a quick informed decision on whether to claim please be advised of the following general policy exclusions that we do not provide cover for.

Your excess (see 'What’s my excess')
Any costs incurred in submitting the claim
Any illness or injury that started before the policy start date
Any illness that started within the first 14 days of the policy start date
Food
Flea treatment
Worming treatment
Vaccinations
Dental treatment unless caused by injury
Purchase price claims due to death from illness after age of 9

> Policy Limits

Cover	MORE TH>N Saver Limit	MORE TH>N Standard Limit
Veterinary Fee's	£3,000 for each separate illness and injury up to a maximum of 12 months	£7,000 for each separate Illness and injury for the of life of the Policy
Your Pet's purchase price	£500	£600
Advertising and reward costs	£500	£600
Licensed Kennel or Cattery Fee's	£500	£600
Third Party Liability protection (dogs only)	£1,000,000	£2,000,000
Pet holiday protection	N/A	£1250

> Excess

Your policy has an excess. This is the amount you will be required to pay towards any claim. This amount depends on the type of pet, age of your pet and product. Please use the tables below to calculate the excess applicable to your claim.

Pet Insurance

AGE AT THE TIME OF VETERINARY TREATMENT		WHAT YOU PAY

Dogs	Under 9 years	£70 + 10% of the rest of the cost of the veterinary treatment
	9 years and over	£70 + 20% of the rest of the cost of the veterinary treatment
Cats	Under 9 years	£50 + 10% of the rest of the cost of the veterinary treatment
	9 years and over	£50 + 20% of the rest of the cost of the veterinary treatment

Pet Saver

AGE AT THE START OF THE PERIOD OF 12 MONTHS		WHAT YOU PAY

Dogs	Under 9 years	£90 + 10% of the rest of the cost of the veterinary treatment
	9 years and over	£90 + 20% of the rest of the cost of the veterinary treatment
Cats	Under 9 years	£75 + 10% of the rest of the cost of the veterinary treatment
	9 years and over	£75 + 20% of the rest of the cost of the veterinary treatment