What is the Process of Pet insurance Claim?

Caring for a sick pet can be an expensive affair – many people get surprised at veterinary care bills.  Many pets suffer when their owners are not financially able to care for them. Pet insurance is a good way to defray costs on the off-chance that a pet dog or cat has an accident or requires urgent medical attention.  Pet insurance will cover problems like ear and skin infections, gastritis, urinary tract infections, skin tumors, osteoarthritis, hypo-thyroidism in both cats and dogs.

Even though pet insurance falls under the heading of property and casualty insurance, as far as a pet owner is concerned, it works just like medical insurance. Basic policies cover medicines, diagnostic tests and x-rays, hospitalization, surgeries and even euthanasia.  Policies also cover preventive care like annual checkups and vaccinations. The process of filing an insurance claim is fairly straightforward and offers pet owners a chance to spend time caring for their pets.

How to file a Claim:

If a pet is in need of emergency care or ongoing medical treatment, talk to your insurance company first to see if a claim can be filed.  Insurance policies may vary in their scope but most of them will pay even if you take your pet on vacation.  Some policies pay for alternative therapies like acupuncture. 

  • Call your insurance company as soon as you know that a claim has to be filed.
  • The insurer will need details on what happened and what the costs are likely to be, depending on the situation.
  • If your pet is already receiving medical attention, make sure to ask the vet and find out what the condition is and what the treatment options are.  The vet should be able to provide estimates on care. You may also have an invoice for the treatment already given.
  • Fill out a claim form suggested to you by the insurance company and get the relevant papers from your vet. Include receipts, invoices and reports given by the vet along with the claim form.  Claims have to usually be filed within 30 days.
  • If care is ongoing, a pet owner will have to file claims on a regular basis. 
  • Make sure you know how much the insurance policy will cover.  Plans restrict the amount an insurer will pay.  It is important for pet owners to buy the right coverage based on the breed and age of the pet.  Purchasing coverage will also depend on an individual’s financial situation.
  • After the paperwork has been sent in along with all the supporting documents, you can wait for a few days to hear from the insurer on whether your claim has been accepted and when the money will be paid.

It is a pet owner’s responsibility to read the policy and fine print carefully before buying insurance coverage.  It makes a lot more sense to get insurance when people have more than one pet – whether it is a dog or a cat.  In case you don’t know where to start shopping for pet insurance, ask your vet for recommendations.