NBP Insurance » Pet Insurance FAQ

New York State Pet Insurance FAQ

Can I stay with my veterinarian?

Yes! We wouldn’t want you to have to change veterinarians. In fact, with our pet insurance, you can use ANY licensed veterinarian – including specialists and emergency care doctors – in the US or Canada. This way, your pet is also covered if you’re traveling.

How do I submit a pet insurance claim?

It’s easy! All you have to do is fill out our 1-page claim form, then fax, mail, or email it to us with your receipts.

How long does it take to get reimbursed?

We work hard to process claims as quickly as possible. Our turnaround time is typically around 15 days, but can fluctuate based on the number of claims we receive and whether we have the necessary information (i.e. invoice, vet records). You can track the status of your claims easily online at our free Member Center.

What are “usual and customary covered charges”?

Fees charged by different veterinarians can vary quite a bit, and accounting for all of those differences could make our premiums higher. To prevent this, we reimburse 80% of usual and customary covered charges, which are costs considered reasonable in areas similar to yours. We use available fee information and proprietary data to determine reasonable costs.

How does the deductible work?

Our pet insurance has a low $100 deductible per pet that only needs to be met once a year, rather than per incident. So, for example, if the first claim of your plan year had a total of $250 in usual and customary covered charges, you would be responsible for the first $100 to meet the deductible. We would then reimburse you for 80% of the remaining $150.