Pet Insurance: What You Need to Know
Pet insurance works a little differently than the health insurance you’re used to for yourself. Here’s how it works when you visit Holly Tree Animal Hospital:
- You pay your bill in full at the time of service.
- You (the pet owner) file the claim directly with your pet insurance provider.
- Once reviewed, the insurance company reimburses you for the portion of costs covered under your plan.
👉 This means it is your responsibility to submit claims and any paperwork your provider requires. Pet hospitals, including Holly Tree, do not typically file claims for clients.
However, if your insurance company contacts us for additional medical records or details, we will gladly provide the information they need to process your claim.
Key Differences from Human Insurance
- No provider networks—you can use your insurance at any licensed veterinarian.
- Most plans cover accidents, illnesses, diagnostics, prescriptions, and surgeries. Preventive care (like vaccines or wellness exams) is often optional.
- Pre-existing conditions are not covered.
- Unlike human insurance, your employer doesn’t handle this—it’s all managed directly between you and your pet insurance provider.
💡 Tip: Always check your provider’s website or app for claim forms and instructions to make filing quicker and easier.