Max my short haired tabby swallowed something that didn't agree with her. She spent two days at the Tufts animal hospital. She had IVs, oxygen booth and other assorted goodies. The bill ran about 1K.
I thought my wife had filed the paper work, but I found it when getting the tax stuff ready. So Isent in the paper work...They processed it very quickly and disallowed the claim because it had been longer than 180 days past the treatment date. My fault.
The good news is that after being with them for almost two years I had paid more to Pets Best than the claim. I'm leaving them and opening "Health Savings Accounts" for each of my three (two cats and a dog) animals.
Morale of the story - Check your policy's limitations. Filing deadlines are not even mentioned on most of the pet insurance sites.
More importantly - If you can leave the account alone, you might be better off with a savings account for your pets.