How to File a Pet Insurance Claim

Having a sick or injured pet can be heartbreaking and quite expensive.

Pet insurance can help with the cost, but you usually have to pay the bill in full and then file a claim to get reimbursed.

If you have a pet insurance policy, here’s what may and may not be included and what you need to do to get payment from your insurer.

Like traditional health care companies, pet insurance companies don’t cover everything – especially Pre-existing conditions. Also, most policies have a waiting period that can last anywhere from 14 to 30 days, during which your pet is not covered.

You may be able to cover your pet for an illness they had in the past but have fully recovered from. What is considered a “treatable pre-existing condition,” however, varies widely among providers. Any carrier should review your pet’s records beforehand to help you understand what is covered. And what not.

There are many things that pet insurance policies usually do. Do not cover.

  • Expenses related to pregnancy and childbirth
  • Congenital and hereditary disorders
  • Pre-existing bilateral conditions (such as hip dysplasia or cataracts)
  • Regular wellness (such as vaccinations and flea treatments).
  • Selection procedures (such as voting)
  • Non-medical services (such as grooming and boarding)
  • Funeral or memorial expenses

Pet insurance policies in general cover up For covered conditions the following:

  • Accidents
  • Diseases
  • Hospitalization costs
  • Experts
  • Diagnostic testing
  • Surgeries
  • Treatment

SpotCNBC Select’s largest selection of pet insurance, including coverage for microchipping, acupuncture and alternative therapies. Her preventive care plan includes spaying and neutering and dental cleanings.

Spot pet insurance

  • Costs

    The best way to estimate your costs is to request a quote.

  • Policy highlights

    Spot Pet Insurance offers accident and sickness and accident-only coverage for cats and dogs. It has several choices of reimbursement rates, annual limits (including an unlimited policy), and deductibles to match your coverage to your needs and budget. Optional preventive care procedures and exams (including dental hygiene and wellness exams) are available for an additional fee.

  • The app is available.

  • Prominent features

    There is no age limit for new enrollment on the spot and plans include coverage for microchipping. Spot also offers access to a 24/7 veterinary helpline to address questions about fitness and health concerns.

Embrace Offers coverage for alternative therapies as well as behavioral therapy and prescription drugs.

Embrace pet insurance.

  • Costs

    The best way to estimate your costs is to request a quote.

  • Policy highlights

    A variety of maximum annual limits, reimbursement choices and deductibles allow you to tailor coverage to your needs and budget. A two-day waiting period for accident policies can also help get your pet covered sooner, though the waiting period for illnesses is 14 days.

  • The app is available.

  • Prominent features

    Embrace offers an unlimited annual coverage limit option. It also offers coverage for non-invasive treatments, such as chiropractic care, hydrotherapy and acupuncture.

Pay for treatment.

You will need to pay the full cost of your bill at the time of service. Most pet insurance companies require you to review your claim before paying, so get an itemized invoice from the veterinarian..

Request compensation.

Submit a completed claim form to the pet insurance company via its website, app, mail, email or fax, along with a copy of the itemized invoice, relevant medical records and other required documents.

Make sure you have updated your mailing address and bank account information so you can be paid by mail or direct deposit.

Check the status of your claim.

It can take at least 10 to 15 days for a claim to be processed, although some insurers may take up to 30 days. You can often track the process on the company’s website.

If your claim is approved, you’ll get paid according to your payment level — usually between 70% and 90% of the total bill, minus any deductibles and/or annual limits.

Pet insurance companies will pay the veterinarian for you at the time of service, saving you the hassle of filing for reimbursement. You will need to make arrangements ahead of time and usually sign releases and other forms.

Healthy paws. Offers direct payment for situations where you cannot pay your doctor after treatment. You must request treatment before treating your pet, and direct payment is only available during business hours.

Healthy Paws Pet Insurance

  • Costs

    The best way to estimate your costs is to request a quote.

  • Policy highlights

    Healthy Paws offers accident and sickness coverage with unlimited maximum payouts. It offers three options for deductions and reimbursement options.

  • The app is available.

  • Prominent features

    While Healthy Paws is a plan, it does cover things that other insurers would add, including prescription drugs, alternative therapies, and hereditary conditions.

Pets best There is also an option to pay bills directly. It has no age limit for coverage and offers optionality. Welfare plans which covers routine maintenance. For humans with multiple pets, a 5% discount is available.

Best pet insurance for pets

  • Costs

    The best way to estimate your costs is to request a quote.

  • Policy highlights

    Available in all 50 states, Pets Best is a standout for its affordable prices. While welfare policies are available, Pet’s Best focuses only on accident policies and accident and illness policies.

  • The app is available.

  • Prominent features

    Pet’s Best offers coverage for cats and dogs up to 7 weeks of age, and there is no maximum age limit. The option to pay your doctor directly is available.

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Pet insurance can save you a lot of money, but you usually need to pay upfront for maintenance. Make sure you know what’s covered and keep invoices, medical records and other documents handy to get reimbursed quickly.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every pet insurance Reviews are based on rigorous reporting by our team of expert writers and editors with extensive knowledge of pet insurance. Products. While CNBC Select receives commissions from affiliate partners on many offers and links, we create all of our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. Is.

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