Do all vets accept pet insurance?

Does pet insurance pay vets directly?

Typically, there's no direct payment between the vet and the insurance company but there may be exceptions. With pet insurance, you need to submit a claim after your pet has received veterinary care, and you need to be out of your policy's waiting period.

How does the claims process work?

Once your claim is verified and approved, you'll receive the reimbursement for which you qualify. When you file a claim, include the following information:

• Your name and your pet's name
• Where your pet received veterinary care
• The veterinary care invoice and proof of payment

You may need to pay a deductible before being reimbursed. Find out more about how pet insurance works.

How do wellness plans work with vet visits?

A pet wellness plan covers your pet's routine care and checkups, up to an annual maximum limit. This includes dental care, vaccinations, flea treatments, and other procedures. It's often purchased separately or attached to an existing pet insurance policy as an optional coverage.

Most standard pet insurance policies don't cover routine care. A standard pet insurance policy usually covers accidental injuries and illnesses. Some insurers may offer a more affordable alternative that only covers accidental injuries. However, neither of these pet insurance plans cover routine or preventative care, which a wellness plan would.