When a pet dies, paperwork is the last thing anyone wants to think about. But many families are surprised to find that their pet insurance may pay towards cremation. This guide explains what to look for in your policy and how we can help you claim.
Some UK pet insurance policies pay towards cremation, usually when death follows an illness or injury that is covered. Look for a section called "end-of-life care" or "euthanasia and cremation". Insurers normally ask for an itemised invoice and confirmation from a vet, and we provide the invoice and cremation certificate for you.
Which policies are most likely to cover cremation?
- Lifetime (comprehensive) cover
- Illness and injury cover
- Accident-only policies, if the death followed an accident
What to check in your policy
Look for
- A section called "end-of-life care", "euthanasia and cremation" or "death from illness or injury"
- The maximum amount the policy will pay
- Whether your excess applies
- Any time limit for making a claim
- Whether euthanasia and cremation are covered together or separately
What your insurer will ask for
- Confirmation from your vet or your pet's medical notes
- An itemised invoice for cremation
- Sometimes a certificate of cremation
We can issue a detailed invoice straight after collection, send receipts digitally, and provide your certificate of cremation for your insurer.
How to claim, step by step
- Check your policy wording for end-of-life or cremation cover.
- Ask your vet for confirmation of death or your pet's notes.
- Keep our itemised invoice and certificate of cremation.
- Submit your claim online or by post, following your insurer's instructions.
Not insured, or waiting for a claim to pay out? See your options if you can't afford cremation right now, or read how much pet cremation costs in the UK.
Common questions
Do I have to pay first and claim back?
Usually, yes. Most insurers reimburse you after you send the invoice and supporting documents. Check your policy, as some may pay providers directly.
Is euthanasia covered as well?
Some policies cover euthanasia and cremation together, often under an "end-of-life" or "euthanasia and cremation" section. Others cover neither. Your policy wording will say.
Will the excess apply?
It may. Some policies apply the usual excess to end-of-life claims and some do not. Check before you claim.
What if I am not insured?
We can still help. See your options if you cannot afford cremation right now, including payment plans and Klarna.
Speak to us before you claim
We're happy to check what you'll need before you contact your insurer. A short call can save time and worry later.
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