There can be differences depending on the plan, but most pet insurance works in the same basic way:

  1. Visit your veterinarian and pay as usual.
  2. Submit a claim online, through an app on your phone, or by email, fax, or mail.
  3. Get reimbursed for covered services.

When you’re shopping around for pet insurance, you should consider how easy the provider makes it for you to submit a claim. For instance, the My Pet Insurance App lets you submit an ASPCA Pet Health Insurance claim right from your phone. Just snap a picture of your bill and send it in through the app even before you leave your veterinarian’s office.

Another thing to look for is whether or not the provider gives you the ability to track your claims. It can be nice to know where your claims are in the process. You may be able to sign in to their website or use their app to see where they’re at anytime.

You should also find out how you will receive your reimbursements. Do you have to wait for a check in the mail? Or can you choose to have your money directly deposited into your bank account? Direct deposit can be a faster and more convenient way to get your reimbursements.

See how simple it is to submit a pet insurance claim when you have ASPCA Pet Health Insurance.

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