You can make a claim for the purchase price of your pet if they've gone missing or died. Claims for 'death from illness' can only be made if your pet passed away before the renewal following their 9th birthday for dogs and 11th birthday for cats.
If you want to make a claim for your pet's purchase price because they've gone missing or been stolen, your pet must have been missing for more than 45 days and we must see evidence that you reported the loss.
For a dog, you must contact your local dog warden or council within 2 days of finding out your dog’s missing.
For all pets, you must contact your microchip provider within 5 days of finding out your pet’s missing. If your pet isn’t microchipped, you must tell at least one veterinary practice in the area where he/she was last seen.
If you believe your pet's been stolen you must notify the police within 24 hours and get a crime reference number.