How to make a claim
Submit claims in two shakes of a tail
You can claim online or by phone and there aren’t any claims forms to complete. We’ll even contact the vet for you. Log in to get started.
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How do I file a pet health insurance claim?
It’s easy! Just follow these three (3) simple steps:
Step 1: When your pet is sick or injured, visit any licensed veterinarian in the U.S. for diagnosis and treatment, and pay as usual at checkout (don’t forget to ask for a copy of your itemized vet bill).
Step 2: Email us the details of your claim, and include a copy of your vet bill.
Step 3: Sit back and wait while we process your claim. We’ll send you regular updates via email so that you can track our progress. If approved, we’ll pay you back for everything we cover up to your copay amount and after you’ve met your yearly deductible.
If you need to contact someone from our team, please email firstname.lastname@example.org.
What documentation do you need from me?
When you submit your first claim, we ask that you also submit your pet's medical records from the prior eighteen (18) months.
After that, we'll only need you to send us a copy of the vet or clinic's invoice and receipt when you submit a claim. We may ask for additional information from your vet when handling your claim, but nothing else from you.
How will I get paid for a claim?
After your claim is approved, we will issue payment, minus the amount of your deductible and copay.
How fast will my claim get paid?
We aim to process most of our accident and illness claims in less than 48 hours. However, there will be instances when we need more information from your vet, so the claims process may take longer to settle. Nevertheless, once your claim is approved, your reimbursement will be issued within 24 business hours.
Please note that some banks and financial institutions may take up to ten (10) days to process your reimbursement before funds become available in your account.
Should I file a claim if my vet’s invoice is less than my deductible?
Yes! We recommend submitting all claims about new accidents, illnesses, and injuries to maximize your annual deductible.
Reminder - your annual deductible is the amount you contribute before your insurance kicks in, so every qualifying invoice helps.
Will my monthly premium (price) increase after filing a claim?
No way! The point of pet insurance is to use it when you need it. You can submit as many insurance claims as you like online, and there will be no impact on your monthly premium.