The Claims Masterclass: How to Get Reimbursed Faster in 2026

The “Moment of Truth”

You’ve done the right thing: you did apply for pet insurance, you paid your premiums, and you’ve cared for your pet. Then, the unexpected happens—an emergency surgery or a sudden illness. You pay the vet bill at the clinic, and now it’s time for the “moment of truth”: getting your money back.

In 2026, the claims process in the UAE is faster than ever, but it still requires a bit of “paperwork discipline.” At CoverB, we want to ensure your reimbursement lands in your bank account without a hitch. Here is your step-by-step masterclass on filing a perfect claim.

Step 1: The “Digital Folder” Strategy

Before you even leave the vet clinic, you need to collect your “Big Four” documents. In 2026, most Dubai clinics provide these digitally, but you must ask for them specifically:

1. The Itemized Invoice: A receipt that shows exactly what you paid for (e.g., AED 200 for consultation, AED 150 for blood tests).
2. The Medical Report: A signed note from the vet stating the diagnosis (e.g., “Gastroenteritis”) and the treatment given.
3. Lab Results: If your pet had blood work, X-rays, or an MRI, you need the actual report or the images.
4. Proof of Payment: The credit card slip or the “Paid” stamp on your invoice.

Step 2: The 24-Hour Rule

In 2026, UAE Central Bank guidelines encourage policyholders to notify their insurer “as soon as reasonably possible.” At CoverB, we recommend logging your claim via our portal within 24–48 hours of the vet visit. Why? Because the details are fresh in your mind, and the vet is still available if the insurer needs a quick clarification.

Step 3: Filing via the CoverB Portal

When you log into https://coverb.ae/, filing a claim is as simple as:

• Selecting the Pet: Choose which of your insured friends was treated.
• Entering the Total: Input the final amount on the bill.
• Uploading Documents: Take photos or upload PDFs of your “Big Four.”
• Adding Your IBAN: Ensure your bank details are correct for the direct transfer.

Common “Claim Killers” and How to Avoid Them

Why do some claims get delayed?

• Missing History: For your first claim, the insurer will often ask for your pet’s full medical history. This is to prove the condition wasn’t pre-existing. Pro-Tip: Ask your vet for a PDF of your pet’s entire file and upload it once during your first claim.
• Unclear Diagnosis: If the vet writes “Sick Pet” instead of a medical diagnosis like “Bacterial Infection,” the insurer will ask for more info. Always check that your vet’s report is specific.
• The “Waiting Period” Slip-up: If you try to claim for an illness that started on Day 5 of your policy, it will be rejected.

The 2026 Timeline: When Will I Get Paid?

At CoverB, our 2026 service level goal is to process simple claims within 7 to 10 working days. For more complex cases (like major surgeries over AED 20,000), it may take up to 15 days as our medical team reviews the necessity of the treatment.

Direct Billing: The Future is Here

Did you know that in 2026, many of our partner clinics in Dubai offer Direct Billing? This means you only pay your co-pay (e.g., 20%) at the counter, and the vet bills CoverB directly for the rest. No reimbursement needed! Check our “Partner Clinic” list at https://coverb.ae/retail-2/pet-insurance/ to see if your vet is on the list.