Pet Insurance Claims

Pet Insurance Claims

Pet insurance claims are the type of reimbursement the pet owners ask from the insurance companies. The pet owner can claim for the vet bills. The vet bills include the surgery bills, vaccination, vet fees, and the medication bills.

For most of the people, purchasing a pet insurance is a type of investment. Investing a few dollars per week into a pet insurance plan can save lots of money. After investing on the pet, the owner can claim for any emergency related to his/her pet.

There are different ways for pet insurance claims. These depend on the policies of the companies. While insuring the pet, one must check the type of claims available in the company.

There are three items necessary for filing a claim

• Claim form
• Itemized receipt
• Written medical records (specify the incident)

There are two different types of claims available

• Getting reimbursed
  Most of the insurance policies use a reimbursement system. In this system the pet owner pays the veterinarian fees as usual. At the time of submitting the payment, ask the veterinarian or his/ her assistant to fill up the claim form. This form is provided by the insurance company at the time of enrolling the pet for insurance.Steps to get the reimbursement
  
  • As discussed above, get the claim form filled. Get it signed by the veterinarian. This is important for claiming the insurance. Without the signatures the companies do not accept the form.
  • Ask the veterinarian or the assistant to make the copy of the pet’s medical records. This can help the claim adjudicators to understand the pet’s medical history. Written medical records of the accidents or illness treatments are essential as a proof for the claim
  • Mail these three items to the respective insurance company
    Claims form
    Written medical record
    Itemized receipt
• Receiving discounted pet health care
  • A newer form of pet insurance consist an insurance plan where the pet owner chooses a veterinarian of their choice from the list provided by the insurance company.
  • The pet's insurance card is provided by the insurance company. At the time of visit, one needs to show the pet’s veterinarian card. A discount of, usually 25% is provided on the bill. Paper work is done by the veterinarian. The insurance company reimburses the veterinarian.

It takes nearly 10-20 working days for the claim to process. Within 90 days from the date of treatment, the pet owner can file for claim. Some companies have different requirement, depending on the type of claims. For example, while claiming for vet fees, some companies let the owner make a minor claim. This minor claim can be made over the phone, without filing the claim form.

The request is processed and then a check is sent to the pet owner. For the larger pet insurance claims, the process is discussed above. In a complicated or a serious claim the pet owner needs to take permission from the insurance company. A written diagnosis from the vet is essential for the proof.

Format of pet insurance claims differs from company to company. There are various ways to file for a claim. Before insuring the pet, check the claim procedure with the insurance companies.