Enrolling your furry pal with a pet insurance company is very easy, most of the times. It is a procedure that can be done online, on the firm’s website. Some providers ask for a detailed medical history for your pet, therefore it is a good idea to get his or her medical records from your vet.
After enrolling, check again the coverage before filing a claim. When you do file such claim, some firms will ask you to fill in a certain form, others – only a picture of the vet’s invoice. If your claim is denied after sending it to the provider, this decision can be contested if you follow the firm’s procedure.
Even though there are a few pet insurance companies that pay directly the vet, most of the times it will be you the one who has to pay the entire vet expenses. Then, you will be reimbursed by the provider with the reimbursement percentage you agreed on (minus the deductible, which is your responsibility).