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Making a Claim

If the unfortunate happens, you will need to make a claim on your policy. Tips to help you through the process:

  • Don't panic.

  • 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.


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