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How To Make A Claim On Your Pet Insurance (And Make Sure It Pays Out!)

It’s the moment of truth.

You made the smart decision to enroll in a pet insurance policy.

Now you expect it to pay out for any illness or condition that your dog or cat might encounter.

And then it happens…

You suspect that your dog has an ear infection, so you take him to the vet.

Sure enough, your vet does an exam, finds out that your dog does have an ear infection, and has prescribed treatment to help cure the infection.

You pay the bill.

And now…  it’s time to put your pet insurance to the test!

To be reimbursed, the next step would be to file a claim.

Every company is a bit different, and be sure to check your pet insurance company’s site to see how they work, but here are the general steps to filing a pet insurance claim.   If you’re concerned at all about whether they’ll pay out, be sure to see step 3!

The Essential Steps In Filing A Pet Insurance Claim

Most pet insurance companies will make it really easy for you.

The best companies, like Healthy Paws and Figo, have easy to use mobile apps where you can upload your claim right from your phone.

Unlike human health insurance, you need to pay the vet bill first and then you will be reimbursed.

Trupanion is one of the few pet insurance providers that pay your veterinarian directly.

But these the are the general steps to filing a claim.

#1 – Pay Your Vet Bill

You need to pay your vet or hospital bill first before you can be reimbursed.

Then you will fill out a claim and either send it by fax, email or regular mail to your pet insurance provider.

Remember that with the first vet bill of your policy year, you will need to pay your deductible first and then your pet insurance provider will reimburse you according to the percentage level that you chose.

#2 – Check The Details Of Your Policy

Your policy should tell you if the certain condition or illness you had treated is covered.

If the condition was pre-existing than it won’t be covered. Some pet insurance policies even exclude some hereditary or congenital conditions.

Some policies will even cover the medical expenses for alternative therapies, or if your pet gets sick when you are on a vacation and have to take them in for emergency treatment.

Not sure if the policy will pay?  See #3.

#3 – Contact Your Pet Insurance Company

It’s always best to contact your company as soon as possible because you will need to make a claim within a certain time period.

Your policy documents should tell you what the time frame is to submit a claim but most companies allow you to file a claim within 90 days of your vet visit.

If you aren’t sure about the coverage, contact your pet insurance company. Their customer service should be able to answer all your questions.

Not sure your policy will cover the treatment?

You can get a preapproval in some circumstances for a particular visit.

If you are concerned about an upcoming veterinary visit, you can get a preapproval in some cases.  For example, Embrace Pet Insurance has a “pre-certification” process which completely takes out the guesswork.

#4 – Save All The Invoices

In order to file a claim, you will need to have all the medical records for the vet visit and all the invoices.

Some insurers allow you to take photos of these documents and upload them via their app.

Or with most, you can email them, fax or send all the documents via regular mail.

Always keep copies of whatever you send into the pet insurance company until the claim has been paid fully.

#5 – Submit A Claim

Once you have finished all of the above, now you can submit your claim.

With all of the documents in hand, you can either email them to your pet insurance provider, upload them via their app or mail in the documents.

There is usually a claim form to fill out and send with all your documents.

You can then follow up in a few weeks to see where the company is in processing your claim.

Some of the pet insurance providers have apps that can show you in real-time where the company is in the process of reimbursing you.

Always submit any claim that you might have that is covered by your pet insurance provider.

Even if the invoice is just a small amount, it could add up in applying towards your deductible.

#6 – Reimbursement

If your company has all the required documents, you should be reimbursed within a month.

There are different methods of reimbursement.

Sometimes the company will send you a check in the mail.

Or send your reimbursement via automatic deposit to your checking account, just like direct deposit.

This is the best way to get reimbursed and a lot of pet insurance companies have this option.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Summing Up How To File a Claim

Filing a claim is fairly simple. Pet insurance providers want to make you happy and reimburse you in the quickest way possible.

Now that you have gone through the claims process, you can see why it is really important to choose a pet insurance provider that will be able to cover the costs for any possible condition or illness that might occur.

If you are looking for a new pet insurance company that processes claims quickly and has great coverage, out top 10 pet insurance companies of 2020 is a great place to start!

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