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Obtain a claim form by visiting hcf.com.au/petinsurance or by calling HCF Pet Insurance on 1800 630 681 between 8:30am 5pm Monday to Friday (AEST). Fill in your and your pets personal information and sign the claim form. Take the form to your veterinarian, and have your veterinarian complete the applicable sections.
In addition to the monthly premium, you also will likely pay a deductible before your expenses are covered and may have a limit on the amount your insurance company will cover. Unlike health insurance, pet insurance doesnt usually pay the veterinarian directly.
Hear this out loud PauseMost plans offer between 70-90% reimbursement. This means that when you submit a claim, all the charges that fall within the coverage limitations will be paid back to you at whichever percentage you chose when you enrolled your pet.
Hear this out loud PauseAfter going through the process of submitting a claim, your insurance company will either approve or deny it. If it is approved and you have already met your deductible, they will send you a reimbursement after youve met your deductible.
How to make a pet insurance claim Call your pet insurers claims department. Give your insurer the details of whats happened to your pet and the costs involved. If your pet needs medical care and is already being treated, give the name of the condition and the treatment or operations required.
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People also ask

Pet insurance doesnt pay your veterinarian directly. Instead, your provider will reimburse YOU for your veterinary costs after you pay your vet and submit a claim to the insurance company. This way, you dont have to worry about whether your vet takes a certain policy or not you can use any veterinarian you like!
Hear this out loud PauseFor example, if you have a vet bill of $500, a reimbursement percentage of 80%, and a deductible of $200, youd expect to pay a total of $300 while your insurance covers the remaining $200. Deductible amounts can range anywhere from $0 to $1,000, depending on the insurer.
Hear this out loud PauseWhat is Reimbursement? Reimbursement is the amount a pet insurance company pays you for veterinary expenses. It is expressed as a percentage ranging from 60% to 100% depending on the plan you choose. The most popular pet insurance plans have a reimbursement of 80% to 90% of your total vet bills.

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