Important Facts About Pre-Certification
Pre-certification is an important consideration when selecting a pet insurance policy. Pre-certification is when a pet insurance company requires prior approval before they will pay benefits on a claim. Pre-certification has advantages and disadvantages.
An advantage of pre-certification is that typically claims are paid quicker. Since the claim has already been "pre-reviewed" by the insurance provider, they should be ready to pay the claim. Pre-certification can also reduce owner stress as the benefits that will be paid are already known prior to treatment. This would include knowledge of any deductible that would have to be paid by the pet owner.
A two big disadvantages of pre-certification are time and convenience. Depending on how the company handles pre-certification procedures, it can take longer and be a hassle for the owner. It is likely, that it will require an additional visit to the veterinarian in order to complete the treatment. If you are considering a company that requires pre-certification, it would be worth reviewing the forms that are required to be filled out prior to beginning treatment. If the forms are confusing or lengthy, it may be worth considering a different provider. Also, be sure to determine the procedure required to submit the pre-certification paperwork, and how long the review process typically takes.