You can pay your vet directly at the time of checkout, if your vet takes direct payments. Our top recommendation for pet insurance that pays the vet bill is Trupanion pet insurance. In some cases, veterinarians may not accept direct payment at the time of service.
The best pet insurance companies that pay the vet directly
Pet insurance can save you a lot of money if your pet needs expensive care. However, most pet insurance companies require you to pay the vet bills first and then get reimbursed for the costs. Some of these insurance companies have an easy process to follow while others require more work.
If you don’t have the money to pay for your pet’s care upfront, covering the vet visit and waiting to be reimbursed can be a burden. The process varies between insurance companies—some companies have an easy, streamlined system, while with others, it will require a bit more legwork on your part.
Below, you’ll be able to compare three pet health insurance providers that will pay your vet directly.
- Deductible: $0 – $1,000
- Reimbursement: Up to 100%
- Benefit limit: Unlimited
Plans vary based on state. Please review your state’s policy for full coverage details.
Trupanion can pay your vet directly, eliminating the reimbursement model. If your vet accepts direct payments from Trupanion, they can pay your veterinary bill at the time of checkout. You can check to see if your vet accepts direct payment with a lookup feature on the Trupanion website.
If your vet is listed as accepting direct payment, the process is simple:
- Your veterinary hospital submits a claim with Trupanion at checkout
- You are responsible for paying your portion of the bill at checkout
- Trupanion pays your vet directly, within seconds
This simple system comes with a drawback—if your vet isn’t listed as accepting direct payment from Trupanion, you’ll have to pay for the care yourself and then submit a claim to be reimbursed.
- Deductible: $100, $250, $500, $750, or $1,000
- Reimbursement: 50%, 60%, 70%, 80%, or 90%
- Benefit limit: No maximum
Healthy Paws typically asks their customers to pay the vet and then wait to get reimbursed when they file a claim. For pet owners who need it, though, they do offer an option to pay the vet directly.
If you’d like to have Healthy Paws pay your vet directly, your vet must agree to receive payment this way. If they do, you’ll need to call Healthy Paws to start the payment process. Any vet from any network can be paid directly from Healthy Paws.
Managing reimbursement is easy as Healthy Paws doesn’t require a claim form—everything can be done online or through their mobile app.
- Deductible: $50 – $1,000
- Reimbursement: 70%, 80%, or 90%
- Benefit limit: $5,000 or unlimited
Pets Best’s direct pay option is available on all pet insurance plans. There’s a little extra paperwork required, but if it keeps you from facing a large bill that you can’t cover, it’s worth it.
The process for using Pets Best’s direct pay option is as follows:
- Your vet needs to agree to be paid directly by Pets Best. If they do, you must fill out Pets Best’s vet direct pay release form and have your vet sign it. You’ll send that form in along with your claim, which you can do online through the mobile app, or via fax or email.
- Your claim will be processed within five days of receiving it and your vet should then receive payment. You’ll still have to pay the deductible, co-insurance, and any other items that aren’t covered directly to your vet.
Pets Best offers three different plan levels from which to choose in addition to an accident-only plan, which doesn’t cover routine medical care or illness.
Summary of pet insurance that pays the vet directly
|Provider||Pays Vet Directly?||Details|
|Trupanion||Yes||To pay directly, the hospital must have the Trupanion software. You can check hospital eligibility on Trupanion’s website. If eligible, payment can be made directly—eliminating the reimbursement model.|
|Healthy Paws||Yes||Available if you can’t pay the bill and your hospital accepts this payment. Only possible during business hours.|
|Pets Best||Yes||Offers Vet Direct Pay as an optional feature on all plans. There is a vet reimbursement release form required to initiate this option.|
Other pet insurance resources
Even if you decide you need pet insurance that will pay the vet, there are still a lot of other details to research when trying to buy the right pet insurance. If you’re shopping for pet insurance, be sure to use our library of resources to help you make the best decision.