What is a Carrier / Provider?
An insurance carrier, sometimes called a provider, is responsible for “carrying” your insurance plan. An insurance carrier is the insurance company that reimburses you for eligible insurance claims.
Unlike human health insurance, pet insurance carriers will reimburse you rather than the doctor (veterinarian), so your pet insurance will help at any veterinarian. Depending on your insurance carrier, you may be pre-approved for upcoming veterinary procedures, and some carriers may directly pay your veterinarian for these pre-approved services.
How Insurance Carriers / Providers Work
Once your pet insurance policy kicks in, take your pet to any licensed veterinary practice of your choosing, pay for the treatment, then submit a claim to your insurance carrier. Based on your insurance policy’s annual deductible and reimbursement rate, your carrier will refund you for the appropriate portion of the vet bill. Make sure to save all documentation and receipts from your pet’s veterinarian visit to submit your claim.
Key Takeaways
- An insurance carrier/provider is the company with whom you have an insurance policy.
- You can visit any licensed veterinary clinic you’d like. Pet insurance carriers and providers make it easy by reimbursing you directly after a vet visit based on the terms of your insurance policy.
