How it works?

Unlike human health, pet insurance companies reimburse you for veterinary costs after you’ve paid.

Most all pet insurance companies will send you a check for your filed claim within 5-14 days.

In some cases, its also helpful to get pre-approval from your pet insurance provider for any upcoming procedure. This will also help eliminate any doubt you may have about coverage.

How to pay your vet bills

There are several ways in which you can pay for your vet bills before getting you check from the pet insurance provider:

  1. Pay with a check
  2. Pay with a major credit card
  3. Pay using Care Credit which offers no interest options.
  4. In the event you cannot pay upfront, ask the vet to send you a bill. In some cases, this will allow you to have up to 30 days to pay the bill while filing your claim.

Simple Claim Example

We always get asked about what a claim would look like if you were to have pet insurance. Well, from experience, here is a real claim example of Cruciate Ligament surgery:

Health Issue Curciate Ligament (TPLO)
Actual Vet Bill$4,327.96
Covered Charges$4,327.96
Deductible$300
10% Co-pay$432.80
Total Reimbursed$3,895.16

 

 

 

 

This is an example of a terrier mix that had not one but two cruciated ligament surgeries in less than 2 years. He is 3 years old. Plan Premium – $45 per month.

Note that each surgery was covered under the policy with nearly $7,000 in bills reimbursed.

Process:

  1. Download a Claim Form online or Complete via App (if provided)
  2. File a claim with the provider (online, via mobile app or have the veterinarian fax it for you)
  3. Send a photo or printed copy of the vet bill
  4. Submit Claim
  5. Your check should arrive within 5-14 days depending on your provider. In most cases within 7 days.

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