How to File a Dog Insurance Claim (Step-by-Step Guide)

Step 3: Collect Itemized Invoices & Medical Records

Insurance companies will not approve claims without proof of treatment. You’ll need:

• An itemized vet invoice (listing each procedure, test, or medication)
• Medical records for your dog (history of treatments, diagnosis notes, lab results)

Tip: Always ask the vet staff to prepare an invoice that clearly lists the reason for treatment (accident, illness, diagnosis).

Step 4: Fill Out the Claim Form

Every provider has a claim form you must complete. This is usually available:

• On their website
• In their mobile app
• By email request

You’ll typically provide:

• Policyholder information (your details)
• Your dog’s details (name, age, breed, insurance ID)
• Vet’s information
• Description of treatment and date of service

Example: ASPCA Pet Insurance has a simple online form where you can upload documents directly.

Step 5: Submit the Claim (Online or by Mail)

Most companies now allow online claim submission, which speeds up the process. Common options include:

• Uploading documents via mobile app (fastest method)
• Submitting through the insurer’s website portal
• Emailing scanned copies of invoices and claim forms
• Mailing physical documents (slowest method)

Pro Tip: Always keep copies of everything you submit, just in case the insurer asks for resubmission.