When your pet needs vet care, the last thing you want to think about is how you’re going to pay for it. So, before you have a vet visit, it's important to understand how pet insurance works and what steps you can take so we can help you get the most out of your coverage. 

How does pet insurance work?

At Petplan, we know pets are family, but the insurance world considers pets property (😱). That means you need to pay your vet bill, submit a claim and then get paid back. But pets aren’t like a couch or a car, and vet records can be complicated and confusing. Over the last 15 years, our claims adjusters have processed millions of claims, and we’ve combined their pet expertise with best-in-class technology to bring you a simple claims process that gets you paid back faster than ever.

What does my policy cover?

Petplan covers up to 90% of vet bills from injuries and illnesses. We cover the complete sick visit including examination fees, procedures and treatments, as well as prescriptions. We also provide complete dental coverage for every tooth in the mouth and cover holistic and behavioral therapies, breed specific conditions, tests, surgery, rehabilitation, cancer treatments and more. 

And best of all, you have the freedom to visit any licensed vet in the US or Canada, including specialists and emergency clinics, so you can choose the best treatment for your pet without worrying about the cost. 

What isn’t covered by my policy?

Like all pet insurance providers, we do not cover pre-existing conditions. Petplan does not currently cover planned vet visits such as annual check-ups, teeth cleanings, spaying, neutering or vaccinations. However, this spring we’ll introduce the industry’s best preventive care product. When you pair it with our superior pet insurance, you’ll be covered from both planned and unplanned vet visits.

You can find the full details of your policy coverage in the terms and conditions located in the app or by logging into your account. 

What’s a pre-existing condition?

The term “pre-existing condition” is insurance jargon for any injury or illness that your pet had before signing up for insurance or that occurred during the coverage waiting period. We will not be able to pay you back for any current or future vet bills related to that condition, and neither will any other pet insurance provider. That’s why it is so important you pick the right provider from day one.  

What are waiting periods?

Waiting periods for accidents and illnesses vary state to state and can be up to 15 days. Knee and hip conditions have a waiting period that’s up to 6-months. Be sure to check your policy to find out when your coverage starts and how a healthy check-up could waive the waiting periods for knee. 

Do I need to see a vet?

If you recently signed up you haven’t seen a vet in the last six months you need to go ASAP to establish your pet’s health. If you live in New York, New Jersey or Washington, you need to go in the next 60 days. A clean bill of health ensures that future injuries and illnesses are not considered a pre-existing condition. Annual checkups are also important, they help prevent future claims from being denied. 

What if my pet is healthy?

Keeping your pet healthy and accident-free is now even more rewarding. For the first 12-month renewal period that your pet goes without a paid claim, we’ll apply a 15% healthy pet credit to your premium for the upcoming year. If your pet goes 24 months without a paid claim, we’ll increase the credit to 30%. 

What are my policy details and how do they relate to my monthly policy premium?

Policy details refer to:

  • Reimbursement rate: What percentage of your claim that you’ll be paid back
  • Annual deductible: The fixed dollar amount you're responsible for before insurance kicks in 
  • Maximum annual payout: The maximum dollar amount you can be paid back each year

Your policy details, along with your pet breed, pet age and home ZIP code determine how much your monthly premium aka your monthly payment costs.

How do claims work?

When you’re ready to submit a claim, our seamless digital claims process makes it easy to get your money back fast. Your claim will be assigned to a licensed claims adjuster within 24 hours and are typically processed within 15 days. If we’re missing any information or have any questions, we’ll let you know as soon as possible. You can get real-time updates and track your claim status in the app or by logging into your account.

Once approved, we’ll apply your deductible and reimbursement rate and process your payment the next business day. Don’t forget to enroll in direct deposit so you can skip waiting for a paper check in the mail and get your money back even faster.

Jan 17, 2021
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