By Therese Pope, a freelance writer based in California.
How to File a Pet Insurance Claim
Pet health insurance is a wise investment, especially when your family pet becomes suddenly ill or injured and you’re faced with costly vet bills. In 2013, the North American Pet Health Insurance Association (NAPHIA) reported claim reimbursements as high as $40,000. Pet insurance providers can quickly reimburse you for claims so you’re not out of pocket for thousands of dollars in vet bills.
With pet insurance claims, you first pay for vet services and then file a claim. The claim is then processed by your pet insurance provider and you are reimbursed for all eligible expenses.
By following these steps below, filing a pet insurance claim is a fast, convenient process that allows you to be reimbursed for vet expenses.
Step #1 Observe waiting periods before filing claims
After enrolling in a pet insurance policy, companies require a waiting period before you can file your first claim. For example, HealthyPaws requires a 15 day waiting period after your policy’s effective date before accidents and illnesses are covered; Trupanion requires 30 day waiting period for illness coverage; and Pets Best requires a 3 day waiting period for accident coverage and 14 days for illness coverage.
Step #2 Fill out and sign claims form
First, download a claim form from the company website or request a form to be emailed or mailed to you. Some companies, such as Pets Best, have an online claim form as well, that you fill out and submit online. Fill out all necessary information on the claim form and submit to the company.Read More…