5 Most Common Pet Insurance Claims

When you pay for a policy with Healthy Paws pet insurance, you’re doing so to take advantage of that coverage and to have the peace of mind that you can care for your pet’s health. Once you’ve met your annual deductible, you’ll want to file a claim for whatever treatments your Healthy Paws policy covers.

If you’re new to pet insurance or the particular conditions of an insurance policy you pay for, knowing what some of the most common pet insurance claims are can help you figure out what might be covered and how you can best take advantage of your Healthy Paws policy the next time your fur baby heads to the vet. 

1. Diagnostic Tests

In humans, you might be familiar with diagnostic tests like a colonoscopy, CAT scan, biopsy, or similar procedures. As far as your pet is concerned, these procedures are similar, including blood tests, x-rays, and physical examinations. Essentially, these common pet health insurance claims occur when a test is performed to diagnose an illness or symptom. 

2. Necessary Treatments



For a human, health insurance often won’t cover cosmetic or elective surgeries or treatments. Similarly, pet insurance won’t typically cover treatments a veterinarian hasn’t deemed medically necessary. However, there are still many treatments that are, in fact, medically necessary—and thus claimed often through a pet’s insurance policy.

For instance, the removal of a dog’s dewclaw would typically be considered a preventive or cosmetic choice for a working or show dog. In some instances, though, that same procedure may be necessary to heal an injury or to remove a tumor or disease. In that case, the treatment would be a medical necessity—and your Healthy Paws pet insurance can ensure your furry friend has genuinely “healthy paws.” 

3. Hospital Visits


When most pet owners think of their pet health insurance plan coverage, they probably imagine emergency visits to the animal hospital. If your pet is severely injured in an accident or develops a condition like cancer that requires frequent treatments and observation, you’d expect your pet insurance to cover the associated hospital visits and emergency care—and that’s just why these claims are especially common ones. 

4. Surgeries & Procedures


If your cat or dog needs emergency or pre-scheduled surgery, your pet insurance policy will typically cover it (with some exclusions, like preventive or elective surgeries or a procedure treating a pre-existing condition).

So, if your vet recommends your cat get a certain surgery to treat an illness or condition that’s arisen since your policy’s waiting period ended, you‘ll have the peace of mind that your furry family member can undergo that procedure with insurance covering their share of the costs associated with it. 

5. Prescriptions

Depending on the particular conditions of the policy you’ve chosen, your Healthy Paws pet insurance plan and most others will cover the costs of your pet’s prescription medications. Some especially common examples include steroids, allergy medication, antibiotics, pain relievers, and similar medicines your veterinarian might prescribe. Be sure to contact your insurance agency or review your policy details if you’re not sure if a particular prescription will be covered. 

From your pup’s major surgery to your kitten’s prescription meds, our job as pet parents is to make sure our furry family members get the medical care they need. With a Healthy Paws policy or another pet insurance plan, you can rest assured that your cat or puppy will be covered for these common claims even as your pet ages. With necessary medical care made more affordable, your pet insurance policy can ensure you and your family can enjoy your fur baby’s company for many years to come.