Claims
Claims in three steps
File from your phone in about 5 minutes. Most claims get a decision the same day, and you can watch every step.
Claim #OT-48213 ยท Stolen bikePaid
- Claim filedPhoto of the rack and a receipt
- ReviewedNo call needed
- Approved$1,140 bike minus the $500 deductible
- Paid by direct deposit$640 to your bank
The process
What happens after you hit submit
- About 5 minutes
Tell us what happened
Add photos, a receipt or the vet bill. A police report number helps with theft.
- Same day for most
We review it
A claims specialist checks your coverage. Bigger claims may need a short call.
- 1 to 3 days
Get paid
Money goes straight to your bank. Pet claims can also pay your vet directly.
Typical timing
How long claims take
From filing to money in your account, January to September 2026.
| Claim | Typical time |
|---|---|
| Stolen laptop or bike | 1 to 2 days |
| Pet emergency visit | 2 to 3 days |
| Pet surgery | 2 to 4 days |
| Water damage to belongings | 5 to 10 days |
| Fire with a hotel stay | Hotel same day, belongings 1 to 3 weeks |
Typical times, not guarantees. Complex claims take longer.
For a renters claim
- Photos of the damage or the scene
- Receipts or bank statements for big items
- A police report number for theft
- A list of what was lost or damaged
For a pet claim
- The itemized vet invoice
- Medical records from the last 12 months, first claim only
- A photo of the receipt is fine
Start a claim
File in about 5 minutes
Your claim specialist gets this right away. You get a claim number by text.
Claim received.
This is a demo site, so nothing was sent. On a live site, you would get a claim number by text and a decision on most claims today.