How to File a Pet Insurance Claim in 2025: A Step-by-Step Guide for Pet Owners
Pet insurance can save you hundreds—or even thousands—of dollars in unexpected veterinary bills. But to enjoy those savings, you must know how to file a claim properly. In this guide, we’ll walk you through how to file a pet insurance claim in 2025, what documents you need, and tips to get your reimbursement faster.
Why Filing a Claim Correctly Matters
Incorrect or incomplete claim submissions can delay your reimbursement or lead to denial. With the right process, many claims are approved and paid within 7 to 14 business days. This guide will help ensure you get your money back faster—without the stress.
Step 1: Understand What Your Policy Covers
Before visiting the vet, make sure you know what your insurance plan includes. Most pet insurance policies cover:
- Accidents and injuries (e.g., broken bones, bites)
- Illnesses (e.g., vomiting, fever, infections)
- Diagnostic testing (e.g., X-rays, blood work)
- Emergency surgeries
Important: Routine care, dental cleanings, and pre-existing conditions are usually not covered unless you have a wellness add-on.
Step 2: Visit Your Veterinarian
You can usually visit any licensed vet in your country. During the visit, make sure you:
- Get a detailed invoice with itemized charges
- Ask for your pet’s medical records or SOAP notes
- Keep all receipts and payment proof
These documents are required to file your claim. If your pet requires follow-up care, ask your vet to summarize the diagnosis and treatment plan in writing.
Step 3: Gather All Required Documents
Every insurer will ask for slightly different documentation. However, most claims require:
- Completed claim form (from your insurer's website or app)
- Vet invoice (must include itemization and total paid)
- Vet medical notes or consultation summary
Tip: Scan or take clear photos of each document to submit digitally. Avoid submitting blurry or incomplete files.
Step 4: Submit Your Claim
Most top pet insurance companies in 2025 offer multiple claim submission options:
- Mobile App: Upload documents via phone
- Email: Send to the insurer’s claims department
- Online Portal: Log in and upload PDFs or images
- Mail: Traditional postal mail (slowest method)
Double-check all files before submitting. Missing documentation is the #1 reason claims are delayed.
Step 5: Wait for Review and Reimbursement
After submission, your insurer will review the claim. This may take:
- 3–5 business days for app-based claims
- 5–14 business days for standard claims
You’ll receive one of the following responses:
- Approved: You’ll be reimbursed via direct deposit or check
- Pending: They need more info (e.g., older vet records)
- Denied: Reason will be explained in writing
✅ Bonus Tips to Speed Up Pet Insurance Claims
- Use your insurer’s app — they’re faster and easier
- Enroll your pet early to avoid pre-existing exclusions
- Submit immediately — don’t wait weeks after the vet visit
- Keep records organized in a Google Drive or phone folder
Reimbursement usually ranges between 70% and 100% of eligible costs, depending on your chosen plan and deductible.
Example: Filing a Claim With Embrace Pet Insurance
- Visit any licensed vet and get treatment
- Log into the Embrace app
- Upload the invoice, claim form, and vet notes
- Track claim status inside the app
- Receive 90% reimbursement via direct deposit within 7–10 days
This process is nearly identical across providers like Healthy Paws, Figo, ASPCA, and Spot.
📚 Frequently Asked Questions (FAQ)
How long do I have to file a pet insurance claim?
Most providers allow 60 to 180 days after treatment to file your claim. Check your specific plan for deadlines.
Can I submit multiple claims at once?
Yes. You can submit multiple invoices and claims together, but be sure to label them clearly and include all supporting documents for each visit.
What happens if my claim is denied?
You can file an appeal. Contact customer support, provide additional documentation, and request a second review. Some denials are due to missing paperwork, not ineligibility.
Will I be reimbursed directly or does the vet get paid?
In most cases, you pay the vet first and then receive reimbursement from your insurance provider. Some vets offer “direct pay” with specific insurers, but this is rare.
Final Thoughts
Filing a pet insurance claim in 2025 is easier than ever, especially with digital tools like mobile apps and e-signatures. As long as you keep your documents organized and follow the steps outlined in this guide, you can expect a smooth and speedy reimbursement process.
Don’t wait for a vet emergency. Know your policy. Be prepared. And protect your furry friend today!
READ ALSO: Top 5 Affordable Pet Insurance Providers in 2025
