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Claim Reimbursement

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Pet Insurance Reimbursement Examples

Reimbursements are based on your actual veterinary bill. We determine the total of the covered treatments and multiply that by your reimbursement rate. We then subtract your remaining annual deductible. Once your annual deductible is met, you will receive even larger reimbursements. Healthy Paws is the only company to offer unlimited lifetime benefits with an annual deductible which helps you get more back over the life of your pet.

For example:

$ 1,200   Covered treatments
x      90 % Your Reimbursement Level
$ 1,080    
- $ 100   Remaining Annual Deductible
$ 980   Reimbursement Amount

For it to be a good consumer value, pet insurance should reimburse you based on your actual bill. Be careful of companies that use benefit schedules or hidden terms, like usual and customary fees, that reduce your reimbursement percentage and amount. And if you have any questions, call us. We want you to be confident that you're committing to a plan you can trust to protect your pet and your finances.

Our customer care commitment
We reimburse you for your pet insurance claims as quickly as possible. We will work hard to process your claim within 10 business days, depending on how quickly your vet clinic provides us with the records we need to complete the claim process. And if you ever have any questions or concerns, please don't hesitate to contact us.

Click on each of the links below to see some more detailed claim examples:

Claim Example #1: Your dog has had diarrhea for several days

You're not sure what's wrong and she doesn't seem to be getting any better. So you take her into your vet for a check-up.

Your Vet's Diagnosis: Diarrhea, cause undetermined. Your veterinarian visit would normally include:

Total Veterinary Bill: $269.74
Reimbursement Summary:
Treatments Services Covered Not Covered
  • Intestinal Parasite Exam (Lab work)
  • SQ Fluids (fluids given under the skin)
  • RX of Metronidazole, antibiotic and dewormer
  • RX of Kaopectate (Bismuth Subsalicylate)
Canned Bland Diet $6.54
Office Visit (Veterinary Exam) $51.00
Total Covered $212.20
Multiply by Reimbursement Level: 90% $190.98
Minus Remaining Annual Deductible: $100 $100.00
Your Reimbursement: $90.98

After paying your veterinarian for your dog's treatment, send us the clinic invoice along with our one-page claim form. We take your covered charges and multiply it by your reimbursement level and then apply whatever remains of your annual deductible.

Since this was your first claim, your full annual deductible was applied. Future claims will have higher reimbursements because your deductible will have been met.

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