Sun. Nov 27th, 2022

Going to the vet with your pet may be a stressful experience, especially if the animal is really ill or injured. Your attention is presently directed toward restoring your pet’s health. Additionally, you could be thinking about the pending yet undetermined vet cost.

A financial safety net for circumstances like this is pet insurance. You don’t have to worry as much about how you’ll manage to pay a hefty cost when you visit the vet thanks to its reimbursements for vet charges for accidents and injuries. It might be less stressful to deal with a situation if you know how to file a claim for pet insurance in advance.

How Do You Make a Claim For Pet Insurance?

You’re probably familiar with how to file a claim with your (human) health insurance. Your insurance provider receives a claim from you or your doctor and pays the costs that are covered by your policy. The remaining amount that isn’t covered by insurance is paid by you.

Pet insurance, dog insurance or cat insurance claims can often be submitted in one of two ways: either by asking for reimbursement or by paying the veterinarian directly.

Request compensation: The reimbursement method—the one used by the majority of pet insurance providers—requires you to pay the vet bill out-of-pocket first, and the insurance provider will subsequently repay you for any costs that were covered. Remember the below points to claim your reimbursement:

  • After the visit, immediately pay the vet’s bill.
  • Complete a claim form for pet insurance dog insurance or cat insurance.
  • Use an app, online portal, email, fax, or the mail to send the insurer your claim and any necessary supporting documents.

If your claim is accepted, you will get payment by cheque or direct deposit.

Directly pay the vet. Some pet insurance providers offer the capability of paying the veterinarian directly. As long as your veterinarian accepts this method of payment, the insurance will pay a veterinarian directly upon the approval of a claim under Vet Direct Pay. You won’t have to make a payment and wait for refund, so to speak.
However, this might also mean that you will have to choose your vet from among the ones who accept insurance claims directly from your insurer.

How to avoid surprises at the time of making pet insurance claim

Additionally, it’s a good idea to understand what your plan will cover so you are not taken aback by the size of a claims check.

For instance, you might not remember what amount of coverage you selected when you first acquired the pet insurance policy. Vet expenditures are often not entirely covered by pet insurance. Check your policy to see if:

The deductible: You’ll have selected a $250 or $200 deductible, for example. This will be automatically subtracted from your initial claim for the duration of the insurance.

Knowing your level of compensation: Similar to co-insurance for a pet plan, this After the deductible, plans typically cover 70%, 80%, or 90% of qualified veterinary expenses.

Maximum coverage: Verify the yearly coverage cap, which is typically $5,000. In some cases, vet bills that amount more than coverage cap shall not be covered by your insurer. However, there are certain plans that offer unlimited annual coverage. 

How to File a Claim and What You will Need

Here is what you typically need to include when filing a claim for pet insurance, dog insurance or cat insurance:

  • An itemized visit invoice. The bill from the vet should include all fees, discounts, taxes, and other costs. At the time of payment, make sure to have a look at your invoice to make sure the amount is 0 dollars.
  • Claims document: Some insurance companies want a claim form. The information is input directly from your log-in when utilizing an online platform.
  • Pet medical history records: You need to send in your pet’s medical records in order to make your first claim. The medical records assist identify any issues the pet had before coverage started because pre-existing conditions are typically not covered by pet insurance.
  • Routing and account numbers for a bank. Electronic reimbursements are available from certain pet insurance providers. Make sure to provide your bank account details if you wish to receive an electronic payment.