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Claims FAQs

Submitting claims to insurance companies can be an overwhelming experience during a stresfull time. We want to help make your experience as simple and stress-free as we can. Learn more about our claims process here.

  • What's vet direct pay?
    Vet direct pay makes it possible for us to pay your veterinarian directly in minutes at the time of checkout. We work with your hospital so you don’t need to worry about paperwork, handle a complicated claim, or wait for claim reimbursement. All you need to do is pay your portion of the bill and focus on your pet.
  • How can I get vet direct pay at my veterinary hospital?
    Thousands of veterinary hospitals currently offer vet direct pay and that number keeps growing. You can see if your hospital is one of them with our search tool. If your hospital is not on the list, you can submit your hospital for our team to reach out. Keep in mind, even if your hospital does not have vet direct pay, the Trupanion policy will work in any hospital in the US, Canada, Australia, and Puerto Rico.
  • How do I submit a claim?
    After you take your pet to the vet, submitting a claim takes just a few minutes. SUBMIT ONLINE: The fastest, easiest way to submit claims is through your online account. Just upload your pet’s itemized invoice, tell us what happened, and you’re all done! IF YOU PREFER PAPER: First, download a claim form (which will be available in your online account) and fill it out. Then, take a picture of or scan the claim form and your itemized invoice from your pet’s visit and send it to us. Send claim forms and invoices to Please note, for your pet’s first claim, we will collect and review your pet’s medical records from your veterinarian before we can begin processing your claim.
  • What do I need to file a claim?
    If you're submitting your invoice online, all you need is a copy of the itemized invoice (if you're filling a prescription from an outside pharmacy, we'll need the pharmacy stub as well). If you want to email or fax your claim, you'll need to fill out a claim form to send with your invoice. To avoid delays in the processing of your claim, please make sure the entire invoice is visible. Please do not: Staple your receipt to the invoice Cross out, highlight, or cover up any part of the invoice Write on the invoice
  • How long will it take to process my invoice?
    We try our best to process claims as fast as possible—ideally within a week or so. If it takes us a little longer, we promise we're doing our best to get all of the information we need. Getting to your invoice as fast as we can is our main priority! Your first claim will take a little longer because we need to collect and review your pet's medical records from your veterinarian before we can start working on your invoice. The good news is, once we have these records on file, we won't need to ask for them again!


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