Pet Insurance That Pays Vets Directly (4 Options!)

Do you have pet insurance form
© Yeexin Richelle/

Written by Heather Hall

Updated: November 3, 2022

Share on:


Pet insurance that pays vets directly can make a big difference on top of already having great coverage for your pet. Pet insurance policies allow you to rush to your vet for their best care instead of hesitating as you look at what’s available in your bank account. Without pet insurance, you may opt to wait it out when your pet gets sick. While your pet’s upset tummy may just be due to something minor, the waiting-it-out process is a total gamble than can have disastrous results.

When you have a pet insurance policy you can lean on, you are far more likely to be proactive with your pet’s care, which extends his or her life. That means more snuggles, sloppy kisses, and belly laughs with your favorite fluffy life companion. The only caveat with pet insurance is that you typically have to pay vet costs at the time of service.

For pet owners who do not have the ability to cover those costs and wait up to a month for reimbursement, there is another option. Below, we explain what direct pay insurance is and share some of the top pet insurance companies that offer this feature on their plans. Each has a slightly different process that customers have to go through to activate the direct payment process.

Dachshund with injured leg wearing a funnel collar

Pet insurance can alleviate some of the stress of having a sick or injured dog or cat.


What Is Direct Pay Insurance?

Most pet insurance companies reimburse you after you have paid out-of-pocket for veterinary costs. With direct pay insurance, you don’t have to shell out the sometimes thousands of dollars required for your pet to get veterinary care or emergency care, which sometimes involves hospitalization and surgery. Instead of your vet charging one of your cards, they can choose to receive payment from your pet insurance company. The only amount you would be responsible for after this transaction is the percentage not covered (or the treatments not covered) by your pet insurance company.

Pet Insurance That Pays Vets Directly

Being able to rely on your pet insurance company to pay your vet bill directly is a huge help, especially if you don’t have a consistent financial cushion to help you handle unexpected veterinary costs. If you’re concerned about having money to pay those veterinary costs upfront, then choosing pet insurance that offers to pay the vet directly is crucial. Some companies just require a little bit of extra paperwork for this process to pay your vet directly while others may have a more complex system for you to set up this feature. Either way, it’s important to know which pet insurance companies pay vets directly.

A veterinarian holding a puppy and a kitten

If you have one or more cats or dogs, pet insurance may bring you peace of mind.


Pet’s Best

You can request that Pet’s Best pay your vet directly, no matter what insurance plan you’re on. You are required to go through a different process to request direct pay and so long as your vet agrees to the process, you can get the upfront support you need to cover any costs.

Pet’s Best has a direct pay release form that you can request and have your vet sign off on it. Include this form along with your claim when you upload the documents—since Pet’s Best has an app, you can do this from your phone. Otherwise, you can send all docs via email or even fax.

Pet’s Best will move forward with processing your claim within a five-day period. After they have approved the costs and determined your financial responsibility (be it your deductible or items not covered), they will send payment directly to your vet.

Healthy Paws

Typically, when you purchase a pet insurance policy through Healthy Paws, you can expect to pay your vet upfront and then receive reimbursement after you’ve submitted your claim. However, Healthy Paws understands that sometimes you need extra support to cover those high expenses.

If you need to take advantage of this feature, you must first confirm that your vet agrees to be paid directly. So long as your vet is on board, you can move on to contact Healthy Paws and request direct payment. They’ll initiate the process, so your vet receives payment promptly.

Remember, there will still be some out-of-pocket costs for you, whether it be the percentage that’s not covered by your policy or your deductible if you haven’t met it yet. Your vet does not need to belong to any specific network to be paid directly—simply, they must agree to the process.


Trupanion’s standard way of operating involves direct payments to your vet. They have a whole host of veterinarians listed on their website who accept direct payment. You can look up this information yourself to confirm that your vet is a part of this list. If they are, Trupanion can easily process the payment on the same day when you check out.

If your vet is already familiar with the process, they can submit a claim with Trupanion when you’re ready to check out and pay for services. Any costs not covered by Trupanion will be yours to pay at this time as well. Both you and Trupanion can process payment within a couple of minutes.

Trupanion works to make this a simple process for both vets and their customers. However, if your vet is not listed in the directory that confirms they accept direct payments, you will be required to pay the veterinary costs up front and receive reimbursement after submitting your claim.


Petplan also offers direct payments to your vet but, of course, like with other pet insurance companies, your vet must agree to receive payment this way. To set up this feature, you must send written approval to Petplan that confirms both you and your vet are requesting direct payment. This written request must come from your vet (whether that be via email or on company letterhead).

Once Petplan has received the written request, you can move forward with filing your claim and submitting the invoice from your vet. Petplan will confirm your financial responsibility so you can pay any deductibles or co-pays to your vet directly. Petplan then takes care of sending payment for the rest of the items on the invoice.

For more expert advice on pet insurance, check out the Ultimate Guide to Pet Insurance: What it Covers.

Share this post on:
About the Author

Heather Hall is a writer at A-Z Animals, where her primary focus is on plants and animals. Heather has been writing and editing since 2012 and holds a Bachelor of Science in Horticulture. As a resident of the Pacific Northwest, Heather enjoys hiking, gardening, and trail running through the mountains with her dogs.

Thank you for reading! Have some feedback for us? Contact the AZ Animals editorial team.