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How does the claims submission method work?

1. What you need

There are two types of documents you need to submit a claim:

  • A finalized invoice from your vet showing what your pet was treated for and how much you were charged. An invoice has to show a zero balance or that it was paid in full in order for us to accept it.
  • Detailed medical records from your pet’s most recent checkup (a vet visit unrelated to your pet getting sick or hurt). Medical records show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly.

NOTE: If you're not sure if you have the right medical records, ask your vet for “SOAP notes.” The records you receive should include any exam notes and lab results.

2. How to submit your claim

To submit your claim, either click here or follow these instructions:

  1. Make sure you’re logged into the app or your online account
  2. Go to Claims
  3. Go to Submit a claim
  4. Follow the instructions in the claim form

3. What happens next?

Claims are typically processed within 15 days from when we receive all your documents. We’ll email you with updates, so keep an eye on your inbox. And be sure to set up direct deposit now if you haven’t already — it gets you paid back 5-10 days faster than checks do.


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