When you own something of great value, whether it is expensive or if it is something that means a lot to you, it is always worth insuring that possession. If something was to happen to that possession then the insurance will provide you with the peace of mind that you can either replace the item or have a financial replacement.

When it comes to sentimental possessions, money cannot always come close as a substitute and nothing is truer with regards to pets. They become apart of the family and you build strong relationships with them so letting go is always going to be tough. So when a pet becomes ill or passes away it is a devastating event and you could do without the financial aggravation that comes with it.

We all love our pets and we would do pretty much anything for them, as you would your own family, but sometimes your financial situation can restrict the help you can provide for your pet. Veterinary fees can be expensive and many owners will have to make the heartbreaking decision to let go of their pets due to lack of money. You can obtain the appropriate pet insurance for a small amount each month you can ensure your pet will be covered for veterinary fees in the event of an accident or illness. This, too many, will come as an important piece of cover.

You can save money on your pet insurance by comparing your quotes from different providers. Online comparison sites enable you to compare a number of quotes from the leading providers ensuring that you get the cheapest possible price. You need to ensure that you check your policy covers everything that you want it to as one quote could be cheaper due to it not covering as much.

Submitting pet insurance claim forms isn’t always a simple process - so in this short article we will give you some advice on how to get things off to a speedy start. Different insurance companies have different pet insurance claim forms - so we can’t tell exactly how to fill in your specific form - but we can help you avoid some common pitfalls that slow down the average application.

Have plenty of claim forms ready

If you need to make a claim it is great to have a form ready to send off. This way you don’t have to wait for the pet insurance company to send one out. Ask for more than one form if you can.

Read and fill it out the claim form carefully

If you don’t fill the form in correctly this can result in long delays, or the worst case scenario the pet insurance company may reject your claim. Call them first and they will help you fill the form out. They will be happy to talk you through parts that may be confusing – and if you are lucky will give you advice on which questions it is important to answer correctly. Why not take the upper hand and ask the advisor if they think the claim may be accepted as is – and whether there is any part of the form you could have filled in better.

Who does the insurance company need to pay?

This might be you, or the veterinary company  where the operation or work was carried out. Getting this wrong can lead to long delays waiting for the vets to pay you. If you have already been waiting for a long period, you will not want to wait even longer whilst they sort out the mistake – especially when you may be talking about large sums of money.

Chase up your insurance company

It can be a very good idea to call both your insurance company, and your veterinary practice. This way if there is a delay in the process you can get it resolved. Find out how long everything should take, so you aren’t waiting any longer than this. Don’t be afraid to chase them up as often as is necessary. Remember the name of who you were talking to so you can speak to them again. Get call reference numbers where possible.

What to do if you have problems with your claim?

Call up everyone involved, remembering who you spoke to. Find out if the veterinary practice filled in and passed on the form. You can use this information to help in dealing with the insurance company to inform them when they should have received the form. This is one reason why it is important to write down and keep note of all the facts. If you can say when and to who you submitted the form – it will make your job of chasing it up a lot easier.

Our advice overall is to be careful with your application, and to not be afraid to be active once you have submitted the form. If necessary you will have to chase all parties involved until the claim is complete and you have been paid.