Fast Claim Submission Guide
Clean claims get paid faster. This guide covers what to capture, the most common rejection reasons, and how to avoid them.
Before You Treat
- Verify the pet’s Skeepy HMO ID and that the plan is active.
- Check the benefit covers the service, and whether any wait period applies.
- Confirm any sub-limit (for example surgery) still has room.
What Every Claim Needs
- Correct HMO ID and pet name
- Date of service and presenting complaint
- Diagnosis and itemised treatment
- Itemised costs matching your catalogue
- Supporting notes or images where relevant
Top Rejection Reasons (and the Fix)
| Reason | How to avoid it |
|---|---|
| Service outside the benefit | Check coverage before treating; quote the client for extras |
| Wait period not elapsed | Confirm enrolment date and per-service wait first |
| Sub-limit exceeded | Check remaining limit; flag co-payment to the client up front |
| Missing itemisation | Break out every line item and cost |
| Duplicate claim | Search existing claims for the visit before submitting |