Unlike human health insurance, pet health insurance claims are considered, approved and paid out retroactively. That means you authorize care for your pet from any licensed veterinarian and submit a claim for reimbursement by your provider. If the care is covered, your provider pays you directly for up to a certain percentage (typically between 50%–90%) of the payments you made out of pocket to the vet clinic. It’s important to understand that no pet insurer will cover pre-existing conditions. If your pet suffered an accident or illness prior to enrollment, they’re considered pre-existing conditions and excluded from your plan. For example, if your pet has previously been diagnosed with kidney stones, any care for future kidney stones won’t be covered. Similarly, if your pet has a history of swallowing foreign objects, this type of accident won’t be covered. Waiting Periods.
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