Vet Insider: 5 Things Insurance Companies Don't Tell You
A veterinarian spills the secrets on how to actually get your claims paid and what insurance marketing hides.
Dr. Sarah Chen
Veterinary Advisor
Marketing brochures promise “90% coverage on everything.” The reality of the fine print is different.
🎬 Insider Video
Watch this candid discussion with a practice manager who handles insurance claims daily.
🤫 The 5 Secrets
1. “Bilateral Exclusions” are Everywhere
If your dog tears a left knee ligament, the right knee is often dead to them. Read the policy.
2. The “Curable” Condition Loophole
Some insurers forgive pre-existing conditions if they are “cured” for 180 days (e.g., ear infection). Others ban them for life. Know which one you have.
3. Exam Fees Add Up
A $200 vet bill might be $80 exam fee + $120 meds. If your plan excludes exam fees (like Healthy Paws), you only get reimbursed on the $120.
4. Direct Pay is Rare
Only Trupanion and a few others truly pay the vet. Most are “Reimbursement.” You need a credit card with space.
5. Premiums Will Increase
“Lock-in” rates don’t exist. Expect 5-10% increases annually due to inflation and pet age.
🔍 How to Win
Dr. Sarah Chen’s Tip:
“The Medical Record is God.”
If you mention “Oh, he was limping last month” during a checkup, I have to write it down. That casual comment just created a pre-existing condition. Be honest, but be accurate.
Related Articles
Knowledge is power. Don’t let the fine print surprise you.
Frequently Asked Questions
Do vets get kickbacks from insurance?
No. In the US, it is unethical and generally illegal for vets to receive commission for selling insurance policies.
Can a vet help my claim get approved?
Yes! Accurate, clear medical notes are the #1 factor in approval. Ask your vet to be specific (e.g., 'Trauma-induced limping' vs just 'limping').
Do they really check old records?
Yes. For any large claim, they will request the last 2 years (or life) of medical notes.