All About Claims


Most claims have excesses applied to them, which are then deducted from your refund. An excess is the small amount you pay for insurance claims. We don’t apply an excess to Top Pet Routine Care Add-Ons, behavioural therapy, missing pet advertising, prescription food, condolence & theft contribution claims.

Check your plan details for your individual excess information.

View Plans
Medipet Rescue Dog insurance
Maine Coon Cat Insurance

Waiting periods

Check your individual pet insurance plan details for your waiting period information. Every pet & their cover is evaluated on an individual case-by-case basis. However, please remember, all pets requiring medical attention must be seen by a vet, even if it is during a waiting period, & doing so is a general condition of our cover.

How To Claim

Pre-existing conditions

Any accident, illness, operation, injury, or behaviour conditions currently existing, showing signs & symptoms, or needing treatment prior to joining, or within a waiting period are deemed to be “pre-existing.” Lite plan is unique in that it covers pre-existing conditions after the initial 30-day no-claims period. With all plans, full disclosure is essential, & not doing so could compromise, & lead to cancellation of cover.

Medipet Rescue Kitten Insurance
Maine Coon Cat Insurance

How to Smart Claim

MediPet offers short-term insurance cover for your pet – not medical aid. Pet medical aid, unfortunately, does not exist in this country. Insurance is not devised, nor structured for small, everyday claims (unless you have added routine care or chronic care support, of course). Therefore, smart claiming is our recommendation – keeping your insurance claims for the bigger, unforeseen, significant incidents, accidents & illnesses, not the everyday vet expenses which can be reasonably expected – that way you are using insurance as it was meant, and are helping keep premiums affordable for everyone.

How To Claim
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  • Make sure you submit your claims to us within 60 days of initial treatment on the invoice so we can process them.
  • Our inhouse vets and vet-trained team will partner with you, your vet practice and the underwriters using their expertise to help process your claim smoothly, quickly and successfully. We are proud of our 93% claim success rate – just one of the reasons 99% of our members choose to stay with us every month.

Our Most Common Claims

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Common Insurance Claims - Ears and Eyes

Ear & Eye

Common insurance claims- cancer


MediPet is an exceptional and professional service provider. My experience with them has been nothing but smooth and simple with friendly staff helping us along all the way through our claim. Thank you again for great service.

Brolin De Leur

Need a quote? Get in touch today.