The reimbursement rate is the percentage of eligible vet costs a pet insurance policy may pay after applicable deductible rules. It directly affects your out-of-pocket exposure.
Common Reimbursement Options
Many plans offer options such as 70%, 80%, or 90% reimbursement. A higher percentage usually means a higher monthly premium.
Simple Example
If an eligible bill is $2,000 and the reimbursement rate is 80%, the policy may reimburse 80% after deductible rules are applied. The remaining share is the owner’s responsibility.
Why Reimbursement Alone Is Not Enough
A 90% reimbursement plan can still be weak if it has a low annual limit, broad exclusions, or a deductible structure that does not fit your claim pattern.
What to Compare Together
- Deductible amount.
- Reimbursement percentage.
- Annual limit.
- Exclusions and waiting periods.
Choosing the Right Percentage
Owners with lower emergency cash reserves may prefer higher reimbursement. Owners focused on lower monthly cost may accept a lower percentage if the annual limit and exclusions remain reasonable.
Deductible guide: /dog-insurance-deductible-vs-reimbursement/
Plan comparison guide: /how-to-compare-cat-insurance-plans/
FAQ
Is 90% reimbursement always better?
It offers stronger claim sharing, but the premium may be higher.
Is 70% reimbursement too low?
Not always. It may fit owners who prioritize lower monthly premiums and can handle more out-of-pocket cost.
Does reimbursement apply to every vet bill?
No. It usually applies only to eligible expenses under the policy.
Should I compare reimbursement before exclusions?
No. Exclusions determine what is eligible before reimbursement matters.
Conclusion
Reimbursement rate is important, but it should never be compared alone. Real value comes from how reimbursement, deductible, annual limit, and exclusions work together.