There is no universal method to filing a claim. The process differs from company to company and while some strive to make it a quick, painless experience for their customers, others are decidedly less focused on the comfort of pet owners. Although the claim submission method is unlikely to be your first priority when searching for the best pet insurance company, it is still something to take into consideration. After all, the more consumer friendly that a provider is, the easier it will be to deal with. Besides, the last thing you want is to have to run around in circles trying to get a claim form just right when you are already worried about your poorly pet.
When Do I File a Claim?
Do so whenever possible after a visit with the vet. So long as there is a chance that the treatment of your pet will be covered, then it is worth going for. Of course, make sure to review your policy before filing a claim, as it makes no sense to submit one for a case that is obviously not included in the coverage. But you still don’t need to be shy about claiming otherwise. Even if a treatment costs very little, it will still count towards your deductible, which is what you are aiming for.
Forms or No Forms?
There are few more satisfying thoughts than the knowledge that you have spared yourself some paperwork. Pet insurance forms are a pain to deal with, so it is an immense relief when you don’t have to go through all that trouble just to request a reimbursement from your insurance company. Sadly, very few providers allow for such an easy lifestyle. Healthy Paws’ claim submission method is the best you can get, since all you need is the mobile app for any insurance-related tasks. Contacting the company, submitting claims, or checking on its status takes no more than a few taps. As for the claim itself, just photograph the veterinary invoice and upload it. That’s it.
Regrettably, forms are the norm and not the exception when making a claim. The sheets are provided by the company either blank or sometimes prefilled and can be downloaded from the website. The documents will have to be printed out and signed in each case, and some companies like Trupanion require part of it to be filled by the vet and not you, so remember to have a copy with you every time you visit. If you forget, the vet can often provide a form, but if you are unlucky it will cost you an extra trip. Once complete, either you or the vet will have to send the claim to the insurance company for evaluation via email, fax, or regular mail. You will need to attach a copy of the invoice as well as any other documents that your provider requires. Be sure to follow company guidelines and include all necessary documents or your claim might get denied.
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