Pet Insurance Claims Guide
How to File Claims & Get Reimbursed Fast in NZ
The Claims Process
1
Visit Your Vet
Take your pet to any registered NZ vet for treatment. Pay the bill upfront.
2
Collect Documents
Get itemized invoice, clinical notes, and any test results from your vet.
3
Submit Your Claim
File online through your insurer's portal or app, or email/mail the claim form with documents.
4
Wait for Processing
Most claims process within 3-10 business days. Some insurers offer 30-minute processing.
5
Receive Reimbursement
Payment is deposited directly to your bank account (typically 70-90% of eligible costs).
Required Documents
- • Completed claim form
- • Itemized vet invoice showing all treatments and costs
- • Clinical notes from your vet
- • Test results (if applicable)
- • Prescription receipts (if claiming medications)
Tips for Fast Claims
Use Online Claims
Digital submission is faster than mail - most insurers process within 3-5 days
Submit Complete Documentation
Incomplete claims cause delays - include all required documents first time
Keep Copies
Maintain copies of all invoices and documents for your records