how does pet insurance work?
There may be differences by plan, but most pet insurance works basically the same way:
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- visit your vet and pay as usual.
- Submit a claim online, through an app on your phone, or by email, fax, or mail.
- get reimbursed for covered services.
- If you submit a veterinary bill for $500 of covered costs, you must first meet your deductible.
- $500 minus your $100 annual deductible equals $400.
- then you would get back 90% of $400, which is $360.
- track the status of your claims and see when they were received, in progress and completed.
- pay your bill and view your billing history.
- Look for a nearby veterinary clinic.
- Sign up for direct deposit of your refunds so you don’t have to wait for a check in the mail.
- review your benefits if you have any questions about your coverage.
- find answers to frequently asked questions.
- Update your contact information if you’ve moved to a new address or changed your primary email address or phone number.
- contact us.
When you’re comparing plans, be sure to read what’s covered and what’s not, so there are no surprises later. For example, not all providers cover veterinary exam fees, which are part of almost every veterinary bill. Some providers also have vaccination or other pet care requirements that you will need to follow or you risk having your claims denied.
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For accident and sickness coverage, the amount of your payments depends on factors including your deductible, reimbursement percentage, and annual coverage limit.
You will need to meet a deductible before you can start receiving reimbursement. Some providers have a per-occurrence deductible, which means you’ll need to meet that amount for each incident. other providers have an annual deductible that you only have to pay once a year no matter how many times your pet gets hurt or sick.
with the aspca pet health insurance program, you can choose from $100, $250 and $500 annual deductible options. You can select a higher deductible to pay a lower monthly premium, or choose a lower deductible if you want to be able to get more money back.
This is the percentage of covered costs you’ll recover after you meet your deductible. we let you choose between 70%, 80% and 90% options. if you choose a lower amount, you may pay a lower monthly premium. if you choose a higher amount, you’ll get more cash back on your claims.
here is an example:
So, let’s say you choose a $100 annual deductible and a 90% reimbursement rate:
annual coverage limit
This is the maximum amount you can be reimbursed during a 12-month policy period. it resets when a new policy period begins. For example, if you selected an annual limit of $2,500 and had $2,700 in covered veterinary costs during your policy period, you will be reimbursed $2,500. you would be eligible for reimbursement of the $200 that was over your $2,500 limit. We offer a selection of annual coverage limits from $2,500 to unlimited so you can choose the amount that best suits your needs.
preventive care reimbursements
With our preventive care coverage, there is no deductible or reimbursement percentage. You are reimbursed a fixed amount for a list of covered wellness services, such as annual visits, vaccinations, and flea prevention. the amount depends on the preventive care coverage option you choose when you enroll.
presentation of claims
When shopping for pet insurance, you should consider how easy it is to file a claim. Providers may allow you to submit claims online or by email, fax, or mail. We also offer the My Pet Insurance app so you can file claims right from your phone before you even leave the vet clinic. this application also allows you to:
In addition, you can add veterinary clinics to your favorites to make it easier to submit claims. simply locate the vet clinic with the app and select save to my vets. the next time you need to file a claim, you can simply upload the clinic information.
Another thing to consider when comparing providers is whether and how they allow you to track the status of your claims. With the ASPCA Pet Health Insurance Program, you can track your claims online after logging into your account or through the My Pet Insurance app. We will also notify you by email when we receive and complete your claims.
You should also find out how you will receive your refunds. do you have to wait for a check in the mail? Or can you choose to have your money deposited directly into your bank account? direct deposit can be a faster and more convenient way to get your refunds. You can select our direct deposit option when you first enroll in a plan or later by logging into your account online or using the my pet insurance app.
preventive care claims
If you’re interested in preventive care coverage to help manage the costs of routine wellness services like annual checkups, immunizations, and heartworm medications, you may be wondering how you’d file those claims. With the ASPCA Pet Health Insurance Program, wellness claims are filed in the same manner as accident and illness claims. simply check the box to indicate that the claim is for preventive care and include your bill for the wellness services your pet received.
register your pet
You can get started with a free quote, which will show you the coverage options available for your pet along with prices. After you get your initial quote, you can customize your plan by choosing your deductible, reimbursement percentage, and annual limit. If you’re ready to enroll, you can enroll your pet online in minutes. I’m not sure yet? We’ll save your quote so you can come back and review it anytime.