How to File a Pet Insurance Claim Successfully (With Real Examples)
When Should You File a Pet Insurance Claim?
You should file a claim whenever your pet receives treatment that is eligible for reimbursement under your insurance plan. This may include:
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Accidents (broken bones, injuries, cuts)
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Illnesses (infections, cancer, allergies, diabetes)
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Surgeries or hospitalization
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Prescription medications
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Diagnostic tests (X-rays, MRIs, blood work)
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Emergency care
Routine care, like wellness visits and vaccinations, is usually only covered if you’ve purchased a separate wellness plan or add-on.
Steps to File a Pet Insurance Claim Successfully
1. Pay for the Treatment at the Vet’s Office
Most pet insurance policies require you to pay your vet bill up front. You’ll get reimbursed later after submitting your claim. Be sure to get an itemized invoice showing the services provided, the total amount paid, and proof of payment.
2. Collect the Required Documents
Typical documents needed for a claim include:
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The completed claim form (downloaded from your insurance provider’s website or app)
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The itemized invoice or receipt from your vet
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Your pet’s medical records (especially for the first claim or if requested)
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Any additional notes from your vet about the diagnosis or treatment
Always keep a copy of everything you submit for your records.
3. Submit the Claim
You can usually submit claims through:
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The insurance company’s website
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A mobile app
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Email or fax
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Physical mail (less common today)
Submitting through an app or website is usually fastest. Be sure the claim form is filled out completely and signed if required.
4. Wait for Approval
After submitting your claim, your insurance provider will review it. The process typically takes 5 to 15 business days, depending on the company and whether additional records are needed. You’ll receive an explanation of benefits (EOB) outlining what’s covered and what isn’t.
5. Receive Your Reimbursement
Once approved, the insurer will send your reimbursement—usually via direct deposit or check. The amount depends on your policy’s reimbursement rate (often 70% to 90%) and your deductible.
