The length of time it takes to process a reimbursement claim for a pet varies by insurance company. For example, Healthy Paws Pet Insurance processes first time claims within seven to 10 days, whereas repeat claims with the company only take up to 72 hours to process.
Other companies, including Pets Health Care Plan, may take as long as 30 days to process a claim. Processing times may be longer if the company doesn't receive all of the necessary information from the customer or veterinarian. Pets Health Care Plan requires customers pay a $100 deductible per pet each year.
Each policy has different coverage options and deductibles. For example, Healthy Paws Pet Insurance does not cover any preventative care services and requires a 15-day waiting period before coverage is effective.