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Dog getting treated by a veterinarian


Just like auto insurance, pet insurance claims are a request to the insurance company asking for reimbursement after your dog or cat receives veterinary treatment.

When making a claim you will send the company's claim form and copies of your itemized vet bills.

Once the company receives your submission they will have a claims adjuster determine whether or not the treatment is covered under your policy.

After they make a determination the adjustor will calculate the amount of the payment based on the coverage you have, your deductible and your reimbursement rate. Most companies reimburse based on a percentage of your actual bill and a few still pay based on a benefit schedule.

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