Pet health insurance works as an indemnity type insurance. This means that you pay your veterinarian, you file a claim, and then you are reimbursed for a portion of the fees.
After you get health insurance for your pet and you will have a waiting period. The waiting period can be 3, 8 or even 14 days depending on the policy and the company.
After that, if your pet gets sick or gets into an accident you will be ready to file a claim.
You need to make sure that you visit a licensed veterinarian
Next you need to obtain a claim form. Very often you can download a claim form from your pet health insurance company’s website. The form needs to be completed by you and your veterinarian. A good practice and a time saver is to keep a few pre-filled claims form in your pet’s file at your veterinarian’s office.
After you have your claims all filled out, you will have to attach a copy of the invoices. These could be your veterinarian bill, but also bills for x-rays, hospitalization or other charges that may apply. A quick fax or mailing the completed forms will start the process of reimbursment.
Since most plans have a deductible, the insurance company will deduct the specified amount and then send you a check for the percentage of coverage that you chose when you purchased the policy. According to our reseach, percentages go anywhere from 65% to 90%. In some instances, even 100% after the deductible is covered.
Some companies will only reimburse ” allowable” veterinary expenses. In other words, they set the price. This is why it is so important to inform yourself and do the research before buying pet health insurance so there are no unpleasant surprises.
If don’t have a policy and are thinking of getting health insurance for your cat or dog, you can start by asking your vet. He or she may have first hand experience with one or more companies. You can also search for customer comments on blogs or forums. You can also view a comprehensive pet health insurance comparison at :