How do I get reimbursed for a vet bill?

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If your pet needs to go to the vet for medical treatment, then you'll make a claim for reimbursement of eligible expenses. Here's what you should know about the claims process:

  1. You can go to any licensed veterinarian. Unlike health insurance, pet insurance doesn't require you to stick to a network.

  2. You have to pay all vet bills upfront. Unlike health insurance, the vet doesn't bill the insurance company. You pay first, then file a claim with the pet insurance company.

  3. Your pet insurance company will have a simple form for you to fill out and submit (via fax, mail or email), along with the itemized invoice from your vet. The form usually asks for your information about: your vet, the diagnosis and the treatment provided for your pet. It's a simple, one-page form.

  4. If it's your first claim, you'll have to submit your pet's complete medical records, along with the claim form.

  5. Then you wait on the decision from the company. If you've been a careful shopper, and read through the policy when you bought it, you should not be surprised by the claim reimbursement. This check will usually arrive in the mail (processing times will vary).