How to submit a claim to your pet insurance and get your veterinary expenditures paid back
Embrace Pet Insurance
- Policy highlightsYou may customize coverage to fit your requirements and budget with a range of maximum yearly limits, reimbursement options, and deductibles. While illnesses have a 14-day waiting period, accident plans have a two-day waiting period that may help you get your pet covered sooner.
Cover the cost of care
Most likely, you will be required to pay the entire amount on your bill at the time of service. Obtain an itemized invoice from the veterinarian because the majority of pet insurance companies need a review of your claim before paying.
Ask for compensation.
Send a filled-out claim form, a copy of the itemized invoice, any necessary medical records, and any other paperwork to the pet insurance provider via mail, email, fax, or the company’s website or app.
To ensure that you receive your reimbursement via mail or direct deposit, make sure your bank account details and mailing address are current.
Verify the status of your claim.
The processing of a claim may take a minimum of 10 to 15 days, but certain insurers may require up to 30 days. The procedure is regularly monitored on the business website.
You will be paid based on your reimbursement level, which is usually between 70% and 90% of the entire bill, less any deductibles and/or yearly restrictions, if your claim is accepted.
Direct-paying pet insurance providers
Certain pet insurance providers will cover the cost of the veterinarian’s services for you right away, sparing you the trouble of having to file a claim. You will usually have to sign a release and other documents and make arrangements in advance.
In cases where you are unable to pay your veterinarian following treatment, Healthy Paws provides direct payments. Before your pet is treated, you must request it, and direct payment is only accepted during regular business hours.