In most cases, pet owners must pay their veterinarian directly before filing for reimbursement from their pet insurance provider.
According to our survey results, 77% of respondents have filed a pet insurance claim in the past year. Of those who filed a claim, respondents typically received reimbursement from their pet insurance provider within one to two weeks.
Among those who filed a claim, 67% of respondents had at least one claim denied. According to our survey results, claims for pre-existing conditions, cosmetic or routine care, or lack of documentation are most often denied.
Paying out of pocket for veterinary care and waiting for reimbursement can cause financial stress for some pet owners. Most pet insurance companies do not cover pre-existing conditions or routine care. However, many providers allow you to purchase an additional wellness plan to cover annual veterinary visits, vaccines, parasite prevention and more.
Before signing up for pet insurance or filing a claim, it’s important to read and understand the details of your plan. Your plan will explain what diseases and treatments your provider covers and what documents to submit with your claim.