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Insurance Claims Process
Pet insurance plans typically cover pet bracing and mobility products. If you have a pet insurance plan that has completed its waiting period, you should be able to follow the process below to receive reimbursement for purchases from Animal Ortho Care. Please note that individual insurance carriers and plans vary, so you should consult your specific plan before making a purchase.
STEP ONE
PURCHASE YOUR AOC PRODUCT
FROM OUR SITE
Many of AOC's products, particularly our orthotics and prosthetics, are covered by pet insurance. Our pain management products are typically not covered. If your insurance plan offers a rewards program, money from that program may be applicable to AOC products.
STEP TWO
RECEIVE YOUR INVOICE
Pet insurance providers will typically require an invoice as proof of medical necessity before covering a purchase. Animal Ortho Care will send you an invoice after you have made your purchase from our site. If you do not receive, misplace, or damage your invoice please email us at care@aocpet.com so we can send you another copy!
STEP THREE
COMPLETE THE CLAIM FORM
You should be able to request a claim form from your pet insurance provider. Many providers will have these forms online, or even offer them through mobile apps. If you bought items for multiple pets, you will typically need to submit a separate claim for each pet on your invoice.
STEP FOUR
SUBMIT YOUR CLAIM & OTHER DOCUMENTS
Submit your completed claim form along with any other materials required by your pet insurance provider. Typically, you will just need the invoice for your purchase, but some providers may require confirmation from your veterinarian.
STEP FIVE
Receive your Payment!
Once you have submitted your claim, you will need to track its status directly through your pet insurance provider. It is common for the review and reimbursement process to take two to three weeks. Once your claim is processed and accepted, your pet insurance provider will reimburse you. Some companies mail a check, some utilize direct deposit, and many companies offer you the choice of either method.
If your claim is not approved, your pet insurance provider may have an appeals process you can go through with the help of your veterinarian.
Frequently Asked Questions
I don't have pet insurance yet. If I buy a product from AOC and then get pet insurance afterwards, will it be covered?
No, in most cases it will not. Pet insurance policies typically have a "waiting period" between when they are purchased and when full coverage begins. Conditions and even accidents that your pet experiences before the end of this waiting period are considered preexisting conditions and will not be covered.
Note that many insurance providers have waiting periods of different lengths for specific conditions. While two weeks is typical, some providers may have waiting periods of up to a year for certain ailments.
Check with your insurance provider for the details on any waiting period they may have.
How do I know if my pet has a preexisting condition?
You can typically work with your veterinarian and insurance provider to identify what conditions your pet is currently affected by, so you will know before the waiting period ends what won't be covered by insurance. Many providers allow chronic conditions to be covered if your pet has recovered from the condition and been symptom-free for a set amount of time. You should consult with your insurance provider to determine their policies regarding the definition and duration of preexisting conditions.
Are wheelchairs, braces, or prosthetics covered by pet insurance?
Pet mobility enhancement is a field that has recently expanded and seen considerable technological advancement. That means there are now more options available to help a pet recover from an injury, neurological condition, or source of chronic pain to remain active and mobile. It also means that veterinarians are more aware of mobility options and willing to discuss and prescribe them. Pet insurance providers that may not have been willing to provide coverage for a prosthetic or pet wheelchair just a few years ago are much more likely to consider such devices essential pet healthcare today. Consult your pet insurance provider to determine if the plan your pet is on will cover mobility aides.
Does Animal Ortho Care guarantee their products are covered under my pet insurance?
No, we cannot make any guarantees of coverage. You should contact your pet insurance provider to determine if there are any obstacles that might prevent your AOC purchase from being covered.
