Insurance

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There are many pet insurance options these days.  Ultimately it comes down to finding one that works for your coverage needs and budget.  A good place to start is the website Pet Insurance Review.

You pay upfront costs directly to the veterinary provider and then submit a claim along with a paid invoice for reimbursement. Most insurance companies will review and make payments to you in 1-7 days.  

There are different types of plans and coverage.  Plan types include wellness vs. accident and injury. Coverage types include reimbursement based on a fee schedule vs. a flat rate percentage for reimbursement.

Simply provide us with a signed claim form so we can upload to your pet's medical record. Ask us to submit your claim at the conclusion of your visit and we will prepare the form and submit within 72 hours.  

We are happy to assist with your claims for any services or products provided at our hospital. For claims related to purchases and visits outside our hospital, we ask that you manage those on your own. 

We see a majority of our clients using Trupanion, Embrace, Fetch (Previously PetPlan), and Pets Best but there are over a dozen of them out there. Some clients get discounts or deals through their employer, which is worth exploring through your company's HR, Benefits, or Employee Relations departments.  

While we will help submit claims to any insurance provider you choose, there are some added benefits to using Trupanion at our hospital.

• Trupanion has an "Exam Day Offer" where you can enroll in a plan and waive the 30 day waiting period if you sign up within 24 hours from the time of your visit. If you are interested in signing up, let us know so we can coordinate this with your next scheduled visit. 
• Our medical record system is linked with Trupanion making claim and record submission a breeze!  
• With their "Pay to Hospital" option we can work with you and Trupanion so that you only pay your portion of the claim at our office.. We will bill Trupanion for the rest. For pets with preexisting conditions we cannot use this feature, but for all other covered conditions this can help avoid the initial expense involved with vet care as you don’t' have to wait for reimbursement. 
• For procedures that are scheduled in the future, we can submit a pre-authorization claim to find out what coverage you are eligible for before moving forward. 

We would recommend getting some quotes and comparing costs and plan details. Things to consider are monthly premium costs, how they pay out claims (fee schedule vs. flat rate reimbursement, the latter seems like a better option so you know what you are getting), and of course deductibles. Some companies have a yearly deductible which you have to meet each year vs. deductibles for the lifetime of the plan. Some deductibles are per diagnosis as well. 

Some clients have even created savings accounts just for their pets. Instead of paying $50-$100 a month for insurance they put it away each month for a rainy day. Whatever route you choose, you will thank yourself down the road that you planned ahead.