If you have pet insurance, typically, you can choose between two methods when claiming on your pet's vet bills. This document will provide you with details about these options. Should you have any queries, please feel free to contact our customer experience team on 0208 124 3305 or email us at fulham@pickles.co

Method One, the standard claim:

The easiest and most cost-effective way is direct reimbursement from your insurance company. This involves you paying Pickles in full, on the day of the procedure during the discharge process. Once payment is made, you can then file a claim with your insurance company and your insurer will reach out to you and us to make sure the reimbursement is made as quickly as possible.

Method Two, the direct claim (fees apply):

With a direct claim, your insurance company settles the payment directly with Pickles. This option is only available if a pre-authorisation form from your insurance provider has been completed and approved prior to the procedure. Pre-authorisations can take up to a week, so please discuss this option with your vet as soon as possible. Proof of approval must be provided to us before the procedure.

Once the pre-authorisation is approved, you will pay your insurance excess, any applicable co-payment, and a £50 direct claim fee. This fee covers the administrative time and delays involved in receiving payment directly from the insurance company, which typically takes longer than a direct payment to you as the policyholder. These payments must be made before the day of the procedure. If the procedure exceeds the initial estimate on the day, any percentage-based excess/co-payment may need to be recalculated. You will be required to pay the adjusted difference on the same day.

If you choose this method, please coordinate with the Pickles team. We can assist with submitting the pre-authorisation form and will notify you as soon as approval is received.