Pet insurers which pay vet directly could be lifesavers for pet parents who are faced with high veterinary fees. If this happens without an unforeseen event, then you should be grateful for your pet insurance, which will reimburse you a portion or all of the cost.
What are the Pet Insurance Companies that Offer This?
Some pet insurance companies offer a service that allows you to pay your veterinarian directly once coverage is activated. Some do it instantly, while others ask you to fill out paperwork and require your veterinarian's approval.
The majority of pet insurance plans reimburse 80% to 85% of the treatment costs for your pets, once you have met your deductible. However, per-incident limits and annual limits apply.
These deductibles may be large, particularly if you are suffering from an expensive condition or chronic illness. In this case, you may need to consider other financing options before paying your vet bill in full.
Trupanion Healthy Paws, and Pets Best are a few of the pet insurers who pay vet directly. These companies cover not only common treatments such as exams, surgeries and vaccines but also emergency care, dental illnesses, prosthetic devices, and prescription foods.
The Trupanion pet insurance website has a lookup feature to determine whether your veterinarian accepts this option. Trupanion can cover the rest of your bill if they accept this option.
Health Paws does not advertise this option nearly as much as Trupanion and Pets Best. However, you can use it during regular business hours. (Monday to Friday from 7am to 4pm PST; Saturday 8am - 5pm PST). Some pet parents may find it worth the extra effort to use Health Paws' direct payment feature.
You should be aware that this direct-payment process is only available during business hours, and it may take a few days for your claim to be processed. Call Healthy Paws to request a faster processing time if your issue is urgent.
This direct-payment option will only be available in certain states, so you should make sure to check your state's policy before you decide on a provider.
If your veterinarian accepts this option, after you've paid your deductible or covered expenses, you can pay directly to them. You'll need to file an insurance claim and the company will pay your vet the rest.
Direct payment makes it convenient for the vet as well as the pet owner. It will save you time and anxiety from having to pay for the vet's services in full then wait until your pet insurance company reimburses you.
You should consider getting insurance that will cover extended care for your pet, such as boarding costs and trip cancellations. You will end up saving a lot of cash and it makes traveling easier when your pet's in the hospital.