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You should be aware when buying pet insurance that filing a claim is different that your traditional health plan. When you are sick or go to the hospital, most often your health provider files a claim with your insurance company. If the claim is accepted, your health provider receives payment directly from your insurance carrier.
Pet insurance works differently. When you visit your vet, you will be expected to pay the bill in full even if the service is covered on your pet insurance plan. Then, you'll be required to file a claim form with your provider. You may have to obtain a signature from an authorized vet or vet associate. Then, reimbursement will be sent directly to you, not your provider. You should take this into consideration so you can be prepared to more fully utilize your pet insurance plan.