How Petplan handles claims

Paying pet insurance claims is our claim to fame.

As pet parents, we understand first hand that big vet bills can break more than the bank; they can potentially break your heart.

Not only is everyone who works at Petplan a proud pet lover, all our licensed claims adjusters are also fully-trained veterinary professionals. That means that anyone at Petplan handling claims can speak your vet's language. This helps us process your claims swiftly and accurately, reimbursing you the fullest amount possible.

How we handle claims:


Does pet insurance pay the vet directly?

Since most veterinarians require payment upfront, almost all pet insurance plans are reimbursement-based, meaning you are required to pay your veterinary bill upfront and submit for reimbursement from your pet insurance provider.

Petplan can also pay your veterinarian directly. We're willing to send any eligible reimbursement directly to your veterinary clinic as long as your veterinarian agrees.

We will need written approval from both parties (you and your veterinary clinic). Your veterinarian's correspondence (digital or otherwise) must show it is directly from the vet clinic (example or on their official letterhead. Once we receive this, policyholders can file their claim with their invoice showing the total balance due and we'll send any eligible reimbursement directly to the vet. The policyholder will still owe any copay or deductible needed.

For more information about how Petplan handles claims, please visit our FAQs.