Do All Vets Accept Pet Insurance?

Do All Vets Accept Pet Insurance?

Pet insurance has been a great help for pet owners. It has proven to aid them and their fur babies in many ways.

It’s important for every pet owner to have a trusted veterinarian they can visit for their pets. Veterinarian assistance is always needed during annual examinations. It’s necessary when inquiring about certain illnesses or medication as well.

So if you’re wondering if all vets accept pet insurance, the answer is yes. All licensed veterinarians will accept pet insurance. There is no network or list of clinics and hospitals that are exclusive to one insurance company. Unlike human health care, pet insurance covers any bill issued by a licensed vet or animal care center.

Pet Insurance Is Similar with Property Insurance

Though what’s being insured is the pet, the responsibility lies on the pet owner. Thus, the conditions in a pet insurance state that it will insure you from any financial damage. This will be effective if anything happens to your pet.

A reason why vets accept pet insurance is that they aren’t the ones who will get rejected from any claim. Pet insurance is usually cash-out first. There are only rare occasions that the vet or hospital will file claims.

So for any bill, pet owners are expected to pay first. Then within 180 days, file a claim for reimbursement.

Pet owners won’t get 100% back from the insurance. But depending on the policy you choose, you may get between 65% to 90% back.

Veterinarian Care Your Pet Needs

Regular visits to the veterinarian or clinic is necessary, especially when you have younger pets like kittens and puppies. Adult pets should have one visit annually and senior pets at least twice.

Here are some of the most common reasons why pet parents bring their pets on vet visits.


Vaccinations are often mandatory in protecting pets. Licensed vets would administer vaccinations and often want to complete them at a young age. Vaccines that are regularly given to dogs are rabies, distemper, and parvo.

There are a few for cats which they need as well, so pet owners should be aware of these. By doing so, they can be ready financially to provide all the vaccines their pets need.

Aid for Hereditary Illnesses

Inherited illnesses are unavoidable even if we check the history of your pets before acquiring them. Owners cannot be 100% sure that pets are free from these.

Veterinarians play an important role in correcting or even preventing such illnesses from getting worse. These kinds of cases also cost hundreds to thousands of dollars.


Pets are playful, especially when young, which is the reason why they tend to get themselves in tricky situations. Sometimes, they get into accidents because of their behavior.

Accidents are another reason why veterinarian visits are common. These professionals are there to help keep your pet healthy and safe. With that, they can be considered an important part of your pets’ life.

Assurance of Payment to Their Service

Vets agree to accept pet patients who have insurance. Since they don’t file the claims, they provide the necessary procedures that your pet may need.

There are instances when pet owners aren’t ready for the cost of vet expenses. This sometimes results in pet parents being unable to pay for these.

During these instances, there are some pet owners who choose to drop the treatment of their pets. When this happens, the health and well-being of the pet may worsen. It then leaves the vet concerned about the condition of their pet patients.

Since pet insurance requires you to pay the vet first, it is expected that you raise money for any treatment. Usually, claims may take about 2 weeks before you get reimbursed. Major surgery or very high claims are the only instances where reimbursements take months.

But no matter the circumstance, you will still get at least 65% of the veterinarian bill back. This is a big financial aid instead of a loss.

Vet Recommendations

Vet clinics that accept insured pets usually have more clients. In fact, pet owners can seek advice from them regarding pet insurance. Most vets will recommend pet insurance that works best for your cat/dogs’ needs.

Though they don’t have to be exclusive, some insurance companies started giving benefits if vets join their network. This will bring in more patients to their clinics under these insurers. In a good way, this may also result in more affordable services.

Accreditation Is Not Needed

Most pet insurance is flexible to cater to any vets their clients deal with. As long as they are able to issue valid receipts and have valid licenses.

Most often, together with the bill, claims need a veterinarian’s note or description of the services rendered. Sometimes, specific forms are filled up and signed by the vet. The insurance company will provide all necessary documents before claiming.

Claiming Process for Vet Services

The process of claiming reimbursements requires a couple of steps. As per vet consultation, owners need to pay the bill outright. They’re required to ask for an itemized invoice so insurance companies can classify the claims.

You’ll need to fill out a claim form from your insurance company. Make sure it is complete to avoid delays in the claiming process.

Submit your completed form online through email, portal, or websites where the pet insurance requires. Include all attachments needed which are your receipts issued by the vet. Other necessary receipts include the vet invoice, notes, or service description.

Insurance companies will provide a checklist for each claim type.

Wait for the process. Reimbursement goes directly to the pet owner’s account. In rare cases, it goes to the vet who filed the claim.

Veterinarians and pet insurance pairing up has been trending since it benefits both parties. At the same time, they can cater to more clients.

It is a good thing that almost all vets now recognize pet insurance policies. Pet insurance and veterinarians also benefit in the process, not just pet owners. Talk to your vet now to know if he/she can recommend any pet insurance for your furry friends.