If your claim is denied, know how and where to file an appeal.

If your insurance is one of the few that offer to pay your vet directly, and you want to use it, you need to check with the vet’s office to make sure it accepts direct pay from your insurer before seeking treatment for your pet.

Step 1: Conduct a ‘Direct Pay’ Pre-Check

all pet insurance policies have a waiting period of from 10 to 30 days from the date the policy starts until coverage begins.If you are dealing with an accident or serious illness, the waiting period may not matter, and your pet will likely not be covered for this event.

Step 2: Know Your Waiting Period

To avoid financial surprises, make sure you know whether the treatment your pet needs is covered by your policy, as well as all pertinent terms and conditions.

Step 3: Review Policy Coverage, Terms, and Condition

Insurers offer claims processing in several different ways. Many use online claim forms or a mobile app. Others let you download and print out the claim form.

Step 4: Obtain a Claim Form and Fill It Out

Once you have completed the claim form and gathered all documentation, submit your claim online following instructions for including invoices and medical records depending on the process you use.

Step 5: Submit the Claim

Depending on your insurer, you may receive notification that your claim was received, may be almost instant or within 48 to 72 hours.

Step 6: Verify That Your Claim Was Received

Some insurers say they process most claims in 24 hours, but 15 to 30 days is more common. Your insurer may contact you during the review process to request additional information.

Step 7: Wait for Claim Review and Processing

At the end of claim review and processing, you will receive notification that your claim was approved or denied in full or in part. You will also find out the amount of your reimbursement.

Step 8: Receive Notification of Approval or Denial

If your claim is approved and you agree with the amount of reimbursement, you’re finished. If you disagree with the finding, your next step is to file an appeal.

Step 9: Cash the Check or File an Appeal

The appeal process begins with your insurer. Check the insurer’s website for a section titled “Appeal” or “Claim Review.” Follow the appeal process instructions and be prepared for that process to take up to 30 days, just like your original claim.

Step 10: Know How and Where To Complain

If the appeal process proves unsatisfactory, contact your state insurance commissioner’s office. You can obtain contact information through the National Association of Insurance Commissioners (NAIC) or on your state government website.

Step 10: Know How and Where To Complain