Mello insurance guide
Pet Insurance Claims and Exclusions
The policy schedule and full wording—not a marketing summary—determine what can be claimed.
Before submitting a claim
Check the relevant exclusion, limit, excess, co-payment, and required evidence. Ask the practice for itemised invoices and clinical notes.
If a claim is declined
Request the reason and policy clause in writing. You can ask the insurer to review the decision and use its complaints process.
Related insurance guidance
Continue readingFrequently asked questions
What is the most important thing to check about pet insurance claims and exclusions?
The policy schedule and full wording—not a marketing summary—determine what can be claimed.
Where can I find the terms that apply?
Read the policy schedule and full wording, then ask the insurer to clarify anything that could affect your pet.
Sources: policy wording from individual insurers, Financial Conduct Authority consumer guidance, and veterinary insurance information. Reviewed for clarity by the Mello editorial team. Last reviewed August 2026.