Making a Claim
If the unfortunate happens, you will need to make a claim on your policy.
Tips to help you through the process:
Pay your vet bill. Unlike human health insurance, you must pay your veterinarian out of your pocket,
then file a claim with your insurance company for reimbursement.
Check your policy to see if the incident is covered. Some pet polices exclude coverage
for genetic or hereditary conditions.
Save any invoices from your veterinarian.
Contact your insurer as soon as possible. Usually you must make a claim within
a set time period.
Obtain a claim form. You can find these on this website or on your insurer's website.
Follow the instructions on the claim form. Typically, your veterinarian can assist
you with this step.
If you need to send in vet invoices with the claim form, be sure to make copies
for your own records.
Document your interactions with your insurer during the claims process.
Important: The information above is non-specific to any particular
pet insurance policy and should be regarded as a basic overview of the type
of procedures involved upon making a claim. Always refer to your insurer for
specific, accurate information on the procedures and processes involved in making a claim.
Next: How to keep pet costs down