Pet Insurance Claim Log

Who this is for

Every claim on a pet policy in one list that adds up. Each row carries the treatment date, the condition, what the practice charged, the excess your policy applies, what the insurer actually paid and where the claim has got to — and the outstanding column works out what is still owed to you.

Owners with an insured pet, especially anyone claiming on an ongoing condition where several claims run at once, and households insuring more than one animal who lose track of which claim belongs to which.

What this helps you track

• What was claimed, for what, and on which date
• The excess applied to each claim, from your own policy
• What the insurer paid against what was asked for
• What is still outstanding on each claim and in total
• Where each claim has got to, so a chase call has a reference

How to use it

1. Write the pet, the insurer, the policy number and the renewal date at the top, then your policy excess so you can see it while you fill the rows in.
2. Add a row when you submit a claim: treatment date, date submitted, the condition, the practice and the amount claimed.
3. Enter the excess the insurer applied to that claim, taken from their settlement letter rather than assumed.
4. Fill in the amount paid when the settlement arrives; the outstanding column and the totals work themselves out on screen and in the workbook.
5. Keep the status column current — submitted, queried, paid or declined — and use the notes for the claim reference.
6. Take the totals to your renewal conversation, or to a complaint if one is needed.

Formats

• Printable PDF (A4 and US Letter)
• Fillable PDF with form fields
• Fill in online, saved in your browser
• Excel / Google Sheets workbook

The printable is laid out inside a box that fits both A4 and US Letter, so the two files are identical and neither one is scaled. The fillable PDF has real form fields. The workbook uses plain formulas only — SUM, IF, COUNTIF and the like — so it opens in Excel, LibreOffice and Google Sheets without anything breaking, and every calculated cell is grey so you can see which figures it worked out.

How to print

Download the A4 or US Letter file to match the paper in your printer, open it in a PDF reader and print at 100% — not "fit to page", which shrinks the writing space. Both files leave a 14 mm margin, which clears the unprintable edge on home printers. To print the online version with your entries in it, use the Print this sheet button, which prints only the sheet and none of the page around it. More on printing.

Questions

Where does the excess figure come from?

Your own policy documents and the insurer's settlement letter. Excesses differ by policy, by pet, by age and sometimes by condition, so no figure is supplied here and none is assumed in the arithmetic.

What does the outstanding column show?

The amount claimed minus what has been paid so far. It is a plain subtraction, not a judgement about what you are owed — a declined claim will show the full amount until you zero it or mark it declined.

Should I log a claim the vet submits directly?

Yes. Direct claims go wrong as often as any other, and the log is where you notice that a payment never arrived. Write the practice's own reference in the notes.

Can I track two pets on one sheet?

The rows have no pet column, so use one sheet per animal. That also keeps the totals meaningful when you compare a policy against what it has paid out.

Does the log work out whether the policy is worth it?

It gives you the two figures that matter — what you claimed and what came back. What you paid in premiums is on your own paperwork, and the comparison is yours to make.