How to be refunded the expenses of veterinarian? - Insurance and Mutual Cat


You have subscribed to a mutual cat insurance for your little feline and want to know how to get reimbursed for vet costs?

Well be aware that you just need to follow a few relatively simple steps, which you will have to follow scrupulously, at the risk of seeing the repayment terms lengthen considerably. Find out below everything you need to know to get back to your vet expenses as quickly as possible and without breaking your head.

What types of care are reimbursable by cat insurance?

The types of care reimbursable by a mutual cat insurance vary according to the insurance formula to which you have subscribed, if you have taken the step of choosing a good insurance, know that the most basic care is included. However, note that certain veterinary expenses are not refundable, regardless of your membership formula.

  • Accident: All care resulting from an accident ...
  • Illness: All care ranging from the first consultation to treatment ...
  • Prevention: Vaccination, anti-parasitic, scaling, castration ...
  • Examinations: MRI and scans, ultrasound, radio, urinary analyzes, analyzes blood…
  • Surgery: Reconstructive surgery, surgery resulting from an accident or illness
  • Treatment: Medicines for the duration of the treatment, expenses resulting from bandages
  • Hospitalization: Costs of stay, follow-up and surveillance.

The steps to be reimbursed for veterinary expenses

Once you are reassured that the care given to your cat is covered by your insurance,your cat. you just have to follow the following steps to be reimbursed :


  • Gather all the supporting documents forcare-related expenses: invoices and care sheet completed and signed by the veterinarian.
  • Complete the reimbursement request form for your insurance, specifying your bank details (RIB), your address, etc.
  • Send the file (form + supporting documents) to the physical address that your insurer will have communicated to you.

Once this is done, all you have to do is wait for your insurance to verify, process your request and reimburse you either by bank transfer or by sending you a check.

What are the repayment terms?

The repayment terms are highly dependent on the insurance company of your little furball. But in general, allow between 72 hours and 2 weeks to be reimbursed for veterinary expenses by your cat insurance.

Note also that a badly constituted reimbursement request file and / or an error in the elements of your file can cause an extension of the deadlines.

If you are seeing a lot of issues with reimbursing health care expenses with your cat insurance, it may be that it is not as good as you think it is. Know that nothing prevents you from changing at any time and while making great savings, try thecat insurance comparison Univers Chat.

The types of care reimbursable by the mutual cat depend on your membership formula

Generally speaking, cat insurance offers 3 types of membership packages including basic services but also very interesting options.

  • Entry-level or basic or economicalformulas, classic or mid-range or intermediate formulas, and high-end or premium formulas. Entry-level formulas only cover costs related to accidents or serious illnesses, with a relatively low reimbursement rate (around 50%). These include, among other things, expenses related to consultations, surgery and medication.
  • The mid-range formulas, in addition to covering expenses related to accidents and illnesses, also support preventive care (vaccination, sterilization, anti-parasite treatment, descaling, etc.), and all with a reimbursement often higher than that of basic formulas (around 80%).
  • The top-of-the-range formulas, in addition to all the types of care previously mentioned, cover the costs of examinations and hospitalization, with a reimbursement rate of up to 100% and an annual reimbursement ceiling much higher than those of the previous formulas.

Please note, all veterinary fees are not refundable!

If your little feline has rabies, for example, the cat mutual will not be able to reimburse you if it obliges you to vaccinate your cat against rabies, because it is a disease linked to a lack of vaccination. The same is true for all illnesses linked to ill-treatment.

In any case, please take the trouble to read your insurance contract or the insurer's guide to know exactly all the treatments covered, and thus avoid unpleasant surprises.

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