December 11, 2024

Tailored Pet Food

Your Heart's Furry Best Friend

Pet Insurance that Pays the Vet Directly


  • Our top choice for pet insurance that pays the vet directly is Pets Best, because the direct payments aren’t complicated to set up and can be used at any vet.
  • There are 4 main pet insurers that can pay the vet directly for you: Pets Best, Healthy Paws, CarePlus by Chewy, and Trupanion.
  • Direct-pay pet insurance will pay your vet’s office on your behalf, meaning you don’t have to pay up-front, submit a claim, and wait to be reimbursed by your pet insurance provider.



Our top pick

Pets Best Insurance


4.6




Maximum annual coverage 

$5,000 – Unlimited

Reimbursement choices 

70%, 80%, 90%

Deductible choices 

$50, $100, $200, $250, $500, $1,000

Use at any vet

Healthy Paws Pet Insurance


4.8




Maximum annual coverage 

Unlimited

Reimbursement choices 

50%, 60%, 70%, 80%, 90%

Deductible choices 

$50, $100, $250, $500, $750, $1,000

No preauthorization

CarePlus by Chewy


4.2




Maximum annual coverage 

Unlimited

Reimbursement choices 

80%, 90%

Deductible choices 

$250

What is vet direct-pay insurance?

Direct-pay pet insurance pays the vet bill directly for you instead of making you pay out of pocket and wait to be reimbursed. If a pet insurance provider does not offer vet direct-pay, you have to pay the vet bill upfront, submit a claim for reimbursement, and wait to be reimbursed by check or direct deposit.

How does vet direct-pay work?

While not overly common in the pet insurance industry yet, a few pet insurance providers are at the forefront and offer a solution for paying the vet’s office directly on your behalf. Those companies are PetsBest, Healthy Paws, CarePlus by Chewy and Trupanion.

Each pet insurance company has a different method for paying the vet directly. Each method has differing levels of complexities. How each provider pays your vet is important to consider, since some require authorization from your vet before treatment.

Company Can be used at any vet? Requires authorization?
Pets Best Yes Yes, at time of payment or earlier
Healthy Paws Yes Yes, before treatment
Trupanion No, only in-network vets No
CarePlus by Chewy No, only in-network vets No

Which companies offer pet insurance that pays the vet directly?

These four pet insurance companies offer direct pay plans:

Pets Best

With Pets Best, your vet needs to fill out an authorization form saying they are willing to wait and be paid by the insurer instead of being paid directly by you at the time of service.

This direct pay option works much like standard pet insurance. After your vet visit, you submit a claim via the company’s online portal. You include your itemized receipt of service and an authorization form that has been filled out by your vet. Instead of reimbursing you, Pets Best reimburses your vet for all eligible expenses. You’ll be responsible for any expenses not covered by your policy.

The authorization technically doesn’t need to be filled out until after treatment, so it can still be used in emergency situations. However, it’s a good idea to ask your vet ahead of time to ensure they are willing to receive payment this way.

Learn more from our Pets Best Pet Insurance review or get a quote.

Healthy Paws

Healthy Paws can pay the vet directly for you, but unlike Pets Best, you must request payment in advance. They require authorization before treating the animal, which can be a bit of a pain. 

The company’s claims team only works during normal business hours, so this can affect your ability to make a direct vet payment in the evening or on weekends. This can make direct payments difficult or impossible in unexpected emergency situations.

Healthy Paws vet direct pay works with any licensed veterinarian, so you don’t have to worry about choosing an in-network vet.

Learn more from our Healthy Paws Pet Insurance review or get your customized quote.

Trupanion

Trupanion was the first company to test paying the vet directly and invented a software called Trupanion Express to make this possible. When you’re at the vet’s office and ready to pay the bill, the claim is paid directly by Trupanion to the vet. Therefore, the customer is not involved in the transaction and pet owners are only responsible for their deductible and copay.

However, for this to work, the vet must have Trupanion’s software, and the number of vets in the US who have it is only around 20% nationwide. If you use a vet that hasn’t opted into Trupanion Express, you won’t be able to use the vet direct pay feature.

CarePlus by Chewy

CarePlus by Chewy is unique in the sense that all of its plans are offered through other insurance providers. Depending on the plan you choose it may be through a provider like Trupanion or another. CarePlus acts as a sort of middle man, but ensures you get the excellent customer service Chewy is known for. As a result, if the plan you choose is provided by Trupanion, you can have the option of Trupanion’s vet direct-pay solution. If not, then you won’t have direct pay as an option.

Learn more from our CarePlus by Chewy review or see your personalized rate.



Hide top plans
Show top plans

Our picks for the best pet insurance plans that pay the vet directly

Advertiser Disclosure

Our top pick

Pets Best Insurance


4.6




$50, $100, $200, $250, $500, $1,000

Why We Like It

Pets Best vet direct pay can be used at any vets office as long as they agree to receive payment this way. If they do, you need to submit a reimbursement form (which can be found on Pets Best’s website) along with your claim, and Pets Best will direct the payment to your vet’s office. While your vet doesn’t need to be “in-network” or using any special system, they are not required to accept direct payment and may tell you you need to pay the bill up front. You should always check with your vet ahead of time to see what their direct payment policies are.

We like Pets Best as it offers competitively priced plans with a wide range of deductible options. This is great for people on a budget as it allows you to tailor your plan to what you can afford. There is no age limit for sign-ups, meaning you can purchase coverage for your pet later in life. You’ll also get unlimited access to a 24/7 emergency vet hotline for quick consultations at all hours of the day.

Pets Best offers multiple plans including an Accident-only plan, as well as 3 tiers called Essential, Plus, and Elite. You can also opt for an add-on for wellness / routine care plans for an extra fee which offers good coverage versus other plans on the market.

With Pets Best you can expect a waiting period of 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament conditions. When choosing, note that exam fees are not included in the Essential plan, which is why we recommend opting for a higher-tier plan, such as the Elite plan.

  • Unlimited coverage option
  • Many deductible options
  • No age limit for enrollment
  • Vet-direct pay option
  • Doesn’t cover alternative therapies
  • Doesn’t cover breed-specific issues

Use at any vet

Healthy Paws Pet Insurance


4.8




$50, $100, $250, $500, $750, $1,000

Why We Like It

Healthy Paws does offer direct vet payment, but it’s not as straightforward as Paw Protect’s line of credit. Healthy Paws plans operate like traditional pet insurance, where you pay the vet and submit your claim to be reimbursed. To have them pay the vet directly, you must contact them prior to the vet appointment to receive approval. Healthy Paws is a great option if you anticipate having claims higher than $2,000.

Being approved for direct payment does not guarantee your claim will be covered, and you could end up being responsible for the cost of the procedure. It’s important to review your policy details ahead of time and consult Healthy Paws directly if you have questions regarding your coverage.

Healthy Paws offers a wide range of coverage options and deductibles, which makes it easy to customize your policy to fit your needs and budget. They offer only an accident & illness plan with unlimited coverage but don’t offer any wellness options. This company is especially affordable for cat parents, with some plan options only costing around $10 a month!

With the Healthy Paws accident and illness plan there’s a 15-day waiting period for accidents and illness and a 12-month waiting period for conditions linked to hip dysplasia or if your pet is under the age of six.

  • Unlimited coverage
  • Affordable plans
  • Five reimbursement levels to choose from
  • Max age limit for enrollment
  • Doesn’t cover dental disease
  • No wellness add-on available

No preauthorization

CarePlus by Chewy


4.2




Why We Like It

CarePlus by Chewy offers vet direct pay if you have one of their more comprehensive plans. CarePlus partners with Trupanion and Lemonade to administer their policies, with the value plans coming through Lemonade and the more comprehensive plans through Trupanion. If you have one of the Trupanion plans through CarePlus, you can set up vet direct pay with any vet that works with the Trupanion system.

The vet only needs your policy number to submit the claim for you, then they directly receive the payment. Pet owners are only responsible for their deductible and copay. If you are planning to use direct pay, talk to your vet’s office prior to your appointment to make sure they are partnered with Trupanion and to understand their direct payment policies. You can use your CarePlus pet insurance at any vet nationwide, but not all offices will have the option to pay the vet directly.

CarePlus is one of the only companies that offer up to 100% reimbursement for prescription products. There is no maximum age of enrollment and it offers unlimited coverage limits. You’ll get access to telemedicine via chat/video which gives you free vet consultations for non-emergency topics.

Depending on the plan you choose, you will have a 2-5 day waiting period for accidents, a 14-day waiting period for new illnesses, and either a 14-day, 30-day, or 6-month wait for cruciate ligament conditions.

  • No max enrollment age
  • Covers prescription products
  • Free online vet consultations
  • Wellness plans are available
  • Not all plans cover dental disease
  • Higher prices than some insurers
  • Won’t cover alternative medicine

What are the benefits of direct-pay pet insurance?

Direct-pay pet insurance is more convenient for people who don’t want to wait for reimbursement or who may not have funds immediately available to cover the bill on their own.

Pet insurance that pays upfront has the following benefits:

  • Convenience:
    With traditional pet insurance, you have to submit a claim every time your pet sees a veterinarian. If you have pet insurance that pays a vet directly, you don’t have to do all the extra paperwork.
  • Financial relief:
    Not everyone has extra money on hand to cover unexpected vet bills. This type of pet insurance makes it easier to get your pet the care it needs without worrying about running up your credit card balance or draining your savings.
  • Seamless care:
    If you don’t have to wait for your insurance provider to reimburse you for vet bills, you can make decisions based on what’s best for your pet, not on what’s best for your wallet.
  • Peace of mind:
    Pet insurance that pays up front gives you extra peace of mind by covering a large portion of your pet’s eligible vet bills. With the right pet insurance, it’s easier to afford accident-related and illness-related veterinary expenses.

These benefits help to make the cost of your pet insurance worth it.

Which is the best direct-pay pet insurance?

Our top choice for direct-pay pet insurance is Pets Best.

While it’s a little more complicated to set up, we like the fact that it can be used to pay any vet directly. It doesn’t require the vet to be on any special network, making it a more flexible option. Just don’t forget to get the authorization filled out beforehand.

At the end of the day, the best direct-pay pet insurance depends on what type of pet you have, how much you can afford to spend and whether your vet agrees to accept your coverage.

Before deciding, we recommend checking the terms of each provider to determine the best fit for your needs.

In addition to choosing the best coverage levels, you’ll also want to consider the following factors when choosing a policy:


1

Your monthly premium is the amount you’ll have to pay your insurance company for your policy. The cost of pet insurance can vary widely depending on your coverage levels, your pet’s age and health, and various other factors.



See More
See Less


2

A copay is a fixed amount you pay toward each covered veterinary service. For example, if your plan has a $20 copay for each visit, you must pay $20 out of pocket before the insurance covers the rest.



See More
See Less


3

Like human health insurers, pet health insurance companies often build a deductible into each plan. The deductible is the amount of money you have to pay toward your pet’s bills before your insurance coverage kicks in.



See More
See Less


4

Many pet insurance plans also have waiting periods. A waiting period is the amount of time you must wait between the moment you purchase a policy and the time the policy goes into effect. If your pet insurance policy has a 14-day waiting period, then it won’t cover any vet bills until 14 days after you make your first premium payment.



See More
See Less

For help finding the right insurance for your pet, you can also:



Dog Product Hero Reminder



COMPARE QUOTES




Cat Product Hero Reminder

What if I need help with my vet bills?

Pet insurance gives you extra peace of mind, but it doesn’t cover everything.

For example, many plans don’t cover exam fees and other routine expenses unless you pay for a wellness add-on. Some policies also have a payout limit, which limits the total amount of money the insurer pays out for covered expenses.

It’s also common for pet insurance companies to exclude preexisting conditions from their policies. A preexisting condition is a health problem that exists before you purchase pet insurance. For example, if your dog shows signs of hip dysplasia before you sign up for coverage, there’s a good chance the policy won’t cover any expenses related to hip dysplasia treatment.

If you need help paying veterinary expenses that pet insurance companies just won’t cover, you have a few options.

The Onyx and Breezy Foundation

The Onyx and Breezy Foundation provides grants to pet owners who need help paying veterinary expenses. Before you can apply for a grant, you must apply for Care Credit, a medical credit card. If you don’t qualify for Care Credit, you must include the denial letter with your application. If you’re approved, you must provide a copy of the approval letter to show that your credit limit is less than you need to pay your pet’s expenses.

Required documents

When applying for a grant through The Onyx and Breezy Foundation, you must also provide the following:

  • Tax return
  • Pet’s diagnosis and prognosis
  • Estimate of treatment costs

Waggle

Waggle is a crowdfunding platform specifically for pet owners and animal rescue groups. If pet insurance companies won’t cover your veterinary bills, try creating a Waggle campaign. You must submit your veterinarian’s contact information, an estimate of your pet’s treatment expenses and several photos of your pet.

Once Waggle approves your campaign, you’ll be able to post the link on social media, making it easier to raise funds. For best results, make sure you submit compelling photos. If a donor has to choose between your pet and someone else’s, a good photo may draw their attention to your beloved dog or cat.

The Pet Fund

The Pet Fund provides financial assistance directly to pet owners. To qualify, your pet must need non-basic, non-emergent care. This means that The Pet Fund doesn’t cover routine dental care, spaying, neutering or treatment for broken limbs. It does cover treatment for cancer, heart disease and other non-emergent conditions.

If pet insurance companies won’t cover your pet’s bills, send an email to [email protected]. In the email, describe your pet’s needs as thoroughly as possible. If you meet the organization’s funding criteria, someone will ask you to complete a formal application. Be sure to include your telephone number in case the reviewer has any questions.

GoFundMe

GoFundMe isn’t specifically for pet owners, but it may help you raise money for vet expenses if the pet insurance companies won’t cover your bills. To solicit donations, set up a campaign on the GoFundMe website. If possible, post a copy of your pet’s treatment estimate to help potential donors feel comfortable supporting your cause.

The Magic Bullet Fund

The Magic Bullet Fund provides funds to help pay for chemotherapy or surgery to treat cancer. It doesn’t pay for experimental treatments, euthanasia, palliative care or treatments for other diseases.

Requirements to qualify

To qualify for help from The Magic Bullet Fund, you must meet the following criteria:

  • You are the pet’s primary owner.
  • Your pet has a cancer diagnosis from a licensed veterinarian, or it has a mass that must be removed surgically to make a cancer diagnosis.
  • You have a treatment estimate from your vet.
  • Your vet has permission to speak to a representative from the Magic Bullet Fund about your pet’s diagnosis.

Age and weight restrictions

The organization also has the following age and weight limits for pets:

  • Cats: Age limit of 15
  • Dogs up to 40 pounds: 14 or younger
  • Dogs 40 to 80 pounds: 12 or younger
  • Dogs 80 to 100 pounds: 10 or younger
  • Dogs 100+ pounds: 9 or younger

Required documentation

When you apply, you must provide the following information:

  • Most recent tax return
  • Supplemental Security Income (SSI) or Social Security Disability Income (SSDI) letter, if applicable
  • Diagnostic report showing cancer
  • Treatment estimate
  • Previous month’s bank statement
  • Other financial documents to help demonstrate need, if applicable

RedRover

RedRover is another option of one of the pet insurance plans with direct pay that will cover your pet’s bills. The organization’s Urgent Relief Program provides small grants to help with the treatment of life-threatening injuries and illnesses.

Requirements to qualify

To qualify, you must meet the following criteria:

  • Your pet has an injury or illness requiring urgent treatment.
  • You have a diagnosis and treatment plan from a veterinary professional.
  • Your household income doesn’t exceed $60,000 per year.
  • The recommended treatment is likely to have a favorable outcome.
  • You must live in the United States.
  • You must agree to provide updates to RedRover if you’re selected for a grant.



Dog Product Hero Reminder



COMPARE QUOTES




Cat Product Hero Reminder

What is vet direct pay?

This type of pet insurance pays the vet directly so you don’t have to pay out-of-pocket, submit a claim, and wait to be reimbursed.




How does reimbursement typically work with pet insurance?

Traditionally, you pay out of pocket for each vet visit, submit a claim and then wait for your insurer to send you a check or deposit money into your bank account. Pets Best, Healthy Paws, CarePlus, and Trupanion have direct payment options, allowing you to use your pet insurance at the point of service.




Do all vets take direct payments from pet insurance?

Not all vets are set up to accept direct payments from pet insurance providers. For example, Trupanion only works with certain payment processors. If your vet doesn’t use one of those processors, they won’t be able to accept direct payments. You can still use your insurance, but you’ll have to file your own claim and wait for reimbursement.




Does direct-pay instantly pay your vet bill?

It depends. Providers like Trupanion and Chewy can pay your vet bill instantly, but only if your vet is set up on Trupanions payment network. Others, Like Healthy Paws and Pets Best, can be used at any vet’s office but require preauthorization because they will pay the vet directly after they receive and process the claim.




About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

BACK TO TOP

link

Leave a Reply

Your email address will not be published. Required fields are marked *

Copyright © All rights reserved. | Newsphere by AF themes.