How Does Pet Insurance Work?

Pet insurance reimburses you for eligible vet bills so unexpected costs don’t become financial crises.

Source: BestPetPlanGuide.com

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Here’s the typical flow:
1️⃣ You choose a policy with a deductible and reimbursement rate (e.g., $250 deductible, 80% reimbursement).
2️⃣ When your pet needs care, you pay the vet directly.
3️⃣ You submit a claim (online or by app).
4️⃣ The insurer reimburses you for covered costs after the deductible.

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It’s that simple! This model lets you use any licensed vet. Accident-only policies are cheaper but cover less. Comprehensive plans include illness and sometimes wellness care.