Carrier / Provider

by Pawlicy Advisor
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Carrier / Provider

What is a Carrier / Provider?

An insurance carrier, sometimes called a provider, is responsible for “carrying” your insurance plan. An insurance carrier is the insurance company that reimburses you for eligible insurance claims.

Unlike human health insurance, pet insurance carriers will reimburse you rather than the doctor (veterinarian), so your pet insurance will help at any veterinarian. Depending on your insurance carrier, you may be pre-approved for upcoming veterinary procedures, and some carriers may directly pay your veterinarian for these pre-approved services.

How Insurance Carriers / Providers Work

Once your pet insurance policy kicks in, take your pet to any licensed veterinary practice of your choosing, pay for the treatment, then submit a claim to your insurance carrier. Based on your insurance policy’s annual deductible and reimbursement rate, your carrier will refund you for the appropriate portion of the vet bill. Make sure to save all documentation and receipts from your pet’s veterinarian visit to submit your claim.


Key Takeaways

  • An insurance carrier/provider is the company with whom you have an insurance policy.
  • You can visit any licensed veterinary clinic you’d like. Pet insurance carriers and providers make it easy by reimbursing you directly after a vet visit based on the terms of your insurance policy.

Related Terms

Chronic Disease
A chronic disease is any condition or illness that cannot be cured and is long enduring, if not lifelong.
Read More.
Claim Expiration
A claim expiration is the period of time you have to file an insurance claim with your insurance carrier.
Read More.
Claims Adjuster
A claims adjuster evaluates pet insurance claims to determine what the insurance company’s policy covers and the amount of money that needs to be reimbursed to the policyholder.
Read More.

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