Do all vets accept pet insurance?

Yes, with pet insurance, you can typically use any licensed veterinarian, but you should review your policy to see if there are any geographic limitations. Pet insurance doesn't need to be "accepted" by your vet — it has no networks or copays. Instead, it's designed to reimburse you for covered costs as long as you use a licensed vet. That means, for example, if you're out of town and your pet needs to see a vet, you should still be able to use your insurance.

2 to readUpdated June 26, 2025

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Key takeaways

Pet insurance doesn't have networks, and most will reimburse you for covered costs from a licensed vet
You may need to pay a deductible on your pet insurance before being reimbursed for a vet visit

Does pet insurance pay vets directly?

Typically, there's no direct payment between the vet and the insurance company but there may be exceptions. With pet insurance, you need to submit a claim after your pet has received veterinary care, and you need to be out of your policy's waiting period.

How does the claims process work?

Once your claim is verified and approved, you'll receive the reimbursement for which you qualify. When you file a claim, include the following information:

Your name and your pet's name
Where your pet received veterinary care
The veterinary care invoice and proof of payment

You may need to pay a deductible before being reimbursed. Find out more about how pet insurance works.

How do wellness plans work with vet visits?

A pet wellness plan covers your pet's routine care and checkups, up to an annual maximum limit. This includes dental care, vaccinations, flea treatments, and other procedures. It's often purchased separately or attached to an existing pet insurance policy as an optional coverage.

Most standard pet insurance policies don't cover routine care. A standard pet insurance policy usually covers accidental injuries and illnesses. Some insurers may offer a more affordable alternative that only covers accidental injuries. However, neither of these pet insurance plans cover routine or preventative care, which a wellness plan would.