How Does
Pet Insurance Work?

Pet insurance for dogs and cats works differently than human healthcare plans. Insurance for pets is owner reimbursement based. This works in favor for pet parents since it allows you to use any licensed veterinarian, emergency clinic or specialist in the United States. You never have to worry if a provider is “in-network”, because there are no networks.

Insurance Policies

How do I make a pet insurance claim?

How do I file a claim?

Filing a claim is much easier than you might think. You’ll need three things:

  • Medical records from your vet’s office
  • Itemized invoice from the vet’s office
  • A completed and signed claim form

When you’ve got those documents in order, you can submit your claim to Pawsome Powered by the 24 Pet Protect Pet Insurance program through the Member Center. Once your claim has been filed, The Insurance team will reach out to your vet if any additional info is needed. Hassle-free!

Where do I submit my claim?

You can submit your claim via the online portal. Be sure to send the claim form, veterinary records, and an itemized invoice in order to get your claim processed quickly and money back in your pocket. You must submit a claim within 270 days* of the treatment or invoice date.

Monday to Friday, 8:00am – 8:00pm EST

Email Sales

Fax Info

1-866-888-2497 Service
1-866-888-2495 New Claims

Customer Satisfaction
Monday to Friday, 8:00am – 8:00pm EST

Email Service

Customer Satisfaction
Monday to Friday, 8:00am – 8:00pm EST


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*A completed claim form should be submitted within two hundred seventy (270) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services.
Notice to California Residents | Notice to Maine Residents

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

Pet insurance products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and administered by PTZ Insurance Agency, Ltd. Pet insurance products are marketed and produced by Pawsome Pet Insurance Services, LLC. (NPN {19803214}. 1412 Broadway, New York, NY 10018, a licensed insurance agency. CA License # 6003919) and PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937). 24Petprotect is a brand name.