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How pet insurance covers vet visits

Veterinarian with dog and owner
Pet insurance doesn’t work like health insurance for humans, especially when it’s time to see a doctor.

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pet insurance is a unique protection for owners and their cats and dogs.

In return for a minimum payment every month (cheaper if paid annually) owners can have peace of mind knowing their pet is receiving medical attention and that they have the financial support to get them through in an emergency.

While Benefits of pet insurance are significant and diverse, there are some surprising things Policyholders should be aware of this in order to maximize their returns. That’s because pet insurance doesn’t work like health or medical insurance life insurance for humans, especially when it’s time to go to the doctor.

If you are in the pet insurance market – or want to be Expand your existing insurance coverage – Then contact a pet insurance expert now. They can answer all your questions and help you get started with a free quote.

How pet insurance covers visits

As mentioned above, pet insurance doesn’t work exactly the way owners expect it to. For example, pre-existing medical conditions are probably not covered by most pet insurance policies. That’s why it pays off Act early when pets are youngto insure healthily and cheaply.

Perhaps the most important way pet insurance is unique, however, is the way it covers vet visits. Or maybe a more accurate way of saying it is what it is Not Cover vet visits. At least not on the same day.

That’s because Pet insurance works on a reimbursement model. This is what it looks like:

  1. When you go to the vet, you are responsible for all services, procedures, and medications your pet was receiving at the time of the visit. So you need to tap into savings or charge your credit card that day.
  2. However, your pet insurance provider will reimburse you for the money spent (depending on your policy and coverage). All you have to do is make an application and submit it. From there, your insurance provider will process it and refund you the money spent.

According to Fetch by The DoDo, owners must submit two documents to process a claim:

  1. “A completed invoice from your vet showing what your pet was treated for and how much you were charged. An invoice must have a zero balance or be paid in full in order for us to accept it.”
  2. “Detailed medical records from your pet’s most recent exam (a vet visit unrelated to your pet becoming ill or injured).”

“Claims are typically dealt with within 15 days after we have received all your documents,” says Fetch by The Dodo.

Please note that the exact refund process may differ slightly from provider to provider.

A pet insurance expert can help you create a plan today so your future visits are covered!

Other pet insurance considerations

While you’ll be reimbursed for the cost of caring for your pet after the visit, don’t forget these other key factors:

  • Your coverage plan will determine exactly how much you will be reimbursed (if any). Policies can be robust and cover all kinds of ailments and problems, or they can be simple and cheaper and only offer protection in emergencies. Do the homework to find the right plan for you.
  • The best time to act is now. Pet insurance is like life and health insurance for people in the sense that it only gets more expensive as the insured age and health issues arise. So act before nagging health issues hit and prices soar.
  • And don’t be afraid of it ask your vet for help. You’re familiar with your pet, but they have expert knowledge of all types of dogs, cats, breeds, and health conditions. They can help you tailor your policy to exactly what you need, so you’re not paying for a policy you’re not using.

More questions? Speak to a pet insurance professional now who can walk you through the process.

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