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Know the right way to file a pet insurance claim

Knowing the right way to file a pet insurance claim can go a long way in getting your claim processed quickly and with the maximum reimbursement. To make the claim process go smoothly, a little bit of organization and a thorough knowledge of your policy will a long way.

First and most importantly Know Your Pet Insurance Policy. It is very important that you know exactly what is and what isn’t covered in you pet insurance policy. So this means you be as thorough as possible when researching a pet insurance company and know exactly what your policy covers when you purchase it. A little work and organization ahead of time will save you a big headache when it is time to file a claim.

Ok, so you know your policy cold. Do you know the exact process for filing a claim? Companies can be different in what they will ask you to do during the claim process. It is your responsibility to know the claim process. Also be aware that there may be a time limit for you to file a claim. Many pet insurance companies require you to file a claim within 60 days of the vet. expenses being incurred.

Do you need to get a pre-certification? If your veterinarian is considering a course of treatment and you want to be positively sure it is covered by your insurance it would be wise to pre-certify the treatment. Basically pre-certification involves you and your vet filling out the claim form before the expense is incurred and asking the insurance company to certify the treatment. The insurance company may also require your vet’s notes going back two years that he/she has on your pet. That includes wellness visits and shots, etc. You need to be as thorough as possible in the paperwork you submit.

Once the veterinarian visit, or vet hospital visit, has occurred you should get an original copy of the vet. invoice and provide an insurance claim form to your vet. for their completion. Once you have the completed claim form from the vet you need to make a copy of both the vet invoice and the completed claim form (by you and the vet.) and keep these copies for your records. Follow the instructions on the claim form exactly and fax or send it in as requested.

If you follow the above advice, you should have a better chance of your claim being accepted and you getting your vet. bill reimbursed from your pet insurance claim.