Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 10, 2021

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

Once you have signed up for a new pet insurance policy, you will have many decisions to make.

How can you find the right coverage for your pet?  What are the different plans offered?

And of course, you want to make sure get a good, fair affordable monthly premium rate.

What about reimbursements?  How does that work?

Fortunately, reimbursements are super easy to understand.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

How Do Pet Insurance Reimbursements Work?

dog eating money

Reimbursements are the amount your pet insurance company pays you back for the expenses incurred when you take your pet to the vet.

While reimbursements are generally a percentage amount ranging from 65% to 100%, the majority of pet insurance plans have a reimbursement of either 80% or 90% of the total vet bill.

For example, Healthy Paws gives you a reimbursement choice of 70% to 90% of the vet bill.

Figo is the only company that reimburses you 100% of the vet bill.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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The 3 Types of Reimbursements

Actual Cost

The actual cost is always the best choice because this means you are being reimbursed on your actual vet bill.

Benefit Schedules

Benefit schedules are reimbursed by setting a maximum amount that you are reimbursed for each condition.    They are hard to understand and not usually favorable.

For example, if your dog happened to injure his paw and get an ear infection in the same year, you will be reimbursed only up to a certain limit.  And, you can see how this will add up.

Usual and Customary

Usual and customary is when the company dictates what they deem as the usual cost. It is too random and not really accountable.

Therefore, the easiest and best choice is to find a company on the actual vet bill.

The best companies will do that as it is the most popular and easiest for everyone.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Choosing The Right Reimbursement

When you choose a reimbursement, the higher percentage that you choose, say 90%, you will be reimbursed more on your bill.

But, your premium will go up.

Therefore, you need to decide which you would prefer:  a lower monthly rate and less money reimbursed or a higher premium rate and more money reimbursed.

Makes sense, right?

There is one other thing to know.

You need to choose a deductible amount which is the first payment you make on for the first vet bill.

Deductibles can range from $100 to $1,000.

After you pay your deductible, you are reimbursed the remaining portion of the bill with the percentage amount that you choose.

Example of a Pet Health Insurance Reimbursement

You sign up with a plan and choose a reimbursement level of 90% and a $100 deductible.

You had to take your dog to the vet because he got a respiratory infection and needed treatment.

The bill breaks down like this:

  • Covered Treatment Cost: $5,000
  • Reimbursement Rate: 90%
  • Calculation: $5,000 x 90% = $4,500 reimbursed
  • Now Subtract Your Deductible: $100
  • Total Reimbursed by Insurer: $4,400

Now that your deductible has been taken care of in this first bill of the policy year, the next time your dog needs treatment, you will no longer need to pay that $100 deductible (if you chose the annual deductible model).

That same bill would now be reimbursed $4,500.

Now that you know how you will be reimbursed, it’s important to know how to file a claim.

It is fairly simple.

Once you get your vet bill, you need to pay it.  And then submit a claim to your pet insurance provider with the back-up invoices.

After the company reviews your claim and approves it, they will send you a reimbursement check or deposit the funds directly to your bank account.

Reimbursement checks are usually issued within 15 days after the company receives your claim.

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Final Thoughts on Reimbursements for Pet Health Insurance

Reimbursements are fairly simple to understand.  You just need to decide the percentage amount and make sure that the company reimburses on the actual vet bill.

If you are looking for a solid pet insurance company that does reimburse on the vet bill, our top 10 pet insurance companies is a great place to start!


Other articles you may find helpful: 


Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


Pet insurance is similar to other insurances but does have some major differences as compared to your health insurance. Below you will find a definitive list of frequently asked pet insurance questions to help in your decision.


What is Pet Insurance

Types of Pet Insurance Coverage

Comprehensive Pet Insurance Explained

Accident Only Pet Insurance

Pet Wellness Plans

Insurance vs. Wellness Pet Insurance Plans

Is Pet Dental Insurance Worth the Extra Cost

How does Pet Insurance work

Best Pet Insurance Plans with Shortest Waiting Periods

Pet Insurance Deductibles

Pet Insurance Coverage Exclusions and Limits

Pet Insurance Reimbursements

Pet Insurance Benefit Limits Explained

How to Make a Claim on your Pet Insurance

Is my Pet too Old for Pet Insurance Coverage

Top Reasons to Purchase Pet Insurance

How much does Pet Insurance Cost

Is Pet Insurance Worth It

Compare Pet Insurance

Pet Insurance for Multiple Pets

Pet Insurance that Covers Spaying and Neutering

Does Pet Insurance Cover Shots

Pet Insurance with Pre-Existing Conditions