If your pet has an emergency or appears to be sick, taking him/her to a veterinarian to be treated should be your first concern and priority.
Before submitting your pet insurance claim to your carrier, take your pet to the vet and pay the clinic or animal hospital out-of-pocket, as you normally would. For the submission of your pet insurance claim, be sure to keep record of the services paid for with an itemized invoice from your pet’s veterinarian.
How do I submit a pet insurance claim?
Start by reaching out directly to your pet insurance carrier. Your policy will require the completion of a claim form with all required information, which can be obtained from the pet insurance company. You will then need to submit all necessary documentation, including the claim form, relevant invoices and receipts and any other required proof via email, fax or in the mail.
How long do I have to submit a pet insurance claim?
In general, you will have 90 days from the date of treatment to submit a pet insurance claim. However, we strongly encourage that you submit your claim, along with all necessary medical records, receipts and other documentation, ASAP. Depending on your pet insurance policy, the processing time of your claim can take anywhere between 3 days to 30 days — or even longer, if your situation requires submission of additional documentation.
When should I claim on pet health insurance?
You should submit your claim no later than 90 days after paying for treatment.
Will my pet health insurance go up after I make a claim?
Most likely, yes. But it is difficult to say. All insurance providers have their own terms and conditions. Once you’ve made your initial insurance claim, the carrier will likely anticipate that you will make more claims in the future. In order to offset the costs of those claims, your premium will be increased.
How much does pet insurance go up after a claim?
It is impossible to say for sure how much your pet insurance will go up after a claim. This decision is entirely up to your pet insurance carrier. You should discuss this with a customer representative who will be able to explain the factors at play and why your rate has increased.