For most pet insurance plans, a direct answer to this would be, ‘Yes,’ all bills from licensed vets can be submitted to your provider. But there’s more to know about this. This is one of the most common questions people have when they are considering getting pet insurance. Accessibility and acceptability are two of the most important factors when choosing almost any product or service. For example, while gold has value in most parts of the world, you probably wouldn’t roam around with it all the time to make payments. You carry cash or credit cards because you know that every person in the US would be willing to exchange the US dollar in return for a product or service.
Similarly, when we go to buy pet insurance, one of the first things you would ask is where the insurance plan is accepted. Is it acceptable at all the veterinary facilities that you currently visit or may visit in the future? Let’s dive deeper into the world of pet insurance and how it works.
Do All Vets Take Pet Insurance?
The acceptability can depend on the insurer. Spot Pet Insurance plans allow you to visit any licensed vet clinic in the whole of the US and Canada and submit claims for reimbursement. Spot plans also let you use any licensed specialist and emergency care clinic for reimbursement of eligible costs. At Spot, we firmly believe in helping ease the life of a pet parent through the services we offer.
How Does Vet Bill Reimbursement Work?
The process of payment is the same as it is for buying any commodity or service. You use the service or the product, the provider hands you a bill, and you pay the amount. Generally speaking, the process here is also pretty much the same. It involves 3 basic steps –
Take your pet to a licensed vet – Visiting a licensed vet is a basic pre-requisite for your claim to be considered. Your claim can be denied if the vet does not hold a license in the US. For us at Spot, Canada also works.
Pay in full at checkout – You have to pay the bill in full after the service has been delivered.
File a claim for reimbursement – You will get an invoice or bill at the time of checkout. You will have to use this to file for reimbursement. If your claim is approved, you’ll receive reimbursement on the eligible expenses. The time it takes to get your money back may vary depending on whether it is a direct deposit or a paper check method of reimbursement. We encourage our pet parents to choose direct deposit as it can speed up the time it takes for you to get your money back for eligible vet bills.
With Spot Pet Insurance plans, you can submit your claim via the Spot app, member center, email, fax, or by mail.
What Does Pet Insurance Cover?
Most pet insurance plans cover accidental injuries, illnesses, hospitalization, and emergencies. With Spot plans, the list is a little longer than some others. Apart from all these, our plans can also cover the eligible costs of–
Vet exam fees
Microchip implantation
Behavioral issues
Skin, eye and ear infections
Hereditary conditions
Dental illness
Hip dysplasia
Cancer and growths
Orthopedic conditions
Virtual vet visits
Alternative therapies like acupuncture
Advanced care
And much more…
How Spot Pet Insurance Can Help
Spot Pet Insurance allows pet parents to customize their coverage to create a plan that fits their pet's needs and their budget. Pet parents can choose their deductible, annual limit, and reimbursement rate from a range of options to create their plan. Spot offers accident-only and accident and illness coverage which can help cover the cost of surgery and hospitalization, prescription medication, exams, and other veterinary services and conditions. Spot also offers a preventive care add-on that can help cover the cost of routine veterinary services like annual wellness exams, dental cleanings, and vaccinations, for an additional fee. Get a quote today!
Conclusion
For pets, coverage typically follows a reimbursement model. This can give you the freedom to visit any licensed vet in the US and receive coverage under the insurance plan. Very few pet insurance providers have a direct pay option though, so most require you to go through the reimbursement route.
