Is AARP Pet Insurance Worth It? Reviews & Analysis 2025
Our Expert's Opinion on AARP
AARP’s pet insurance, managed by Fetch (formerly Petplan), stands out as a major US player offering one of the most flexible and comprehensive accident and illness coverages for dogs and cats, with a significant 10% lifetime discount exclusive to AARP members. The plan is entirely modulable at enrollment, enabling choice of annual coverage limit ($10,000 or unlimited), reimbursement rate (70%, 80%, or 90%), and deductible ($200, $350, or $500). Annual premiums average $35 for dogs and $20 for cats, with adjustments by breed, age, and selected limits. Reimbursements for accidents, illnesses including hereditary conditions, dental disease, behavioral therapy (up to $1,000/year), and boarding fees if the owner is hospitalized are all included, positioning AARP/Fetch as more generous than most competitors regarding dental, behavioral, and curable pre-existing conditions (after 12 symptoms-free months). Due to the absence of age limits at enrollment and high or unlimited annual coverage, it is particularly suited for older pets, pets of all breeds (including those at genetic risk), and owners seeking large annual limits or living on a fixed budget, especially thanks to the AARP discount. Fetch enjoys strong financial stability as a long-standing brand, serving over 400,000 policyholders, with more than 4,300 consumer reviews on Trustpilot and an excellent 4.4/5 rating. Claims are mostly reimbursed within 6 days (max 30), with user-friendly online and phone claim filing. Strict and numerous exclusions apply, especially for preventive, routine care (unless wellness option chosen), and several administrative requirements (annual health/dental checks) are mandatory.
- ✅10% lifetime discount for AARP members
- ✅Fully customizable coverage (limit, deductible, rate)
- ✅Unlimited annual limit available
- ✅No maximum age restrictions for enrollment
- ✅Complete dental coverage for adult teeth
- ✅Behavioral therapy included ($1,000/year)
- ✅Fast digital claims, 6-day average reimbursement
- ❌Upfront payment required at all vets; no direct pay
- ❌Annual health and dental checks mandatory
- ❌No routine/preventive care unless add-on purchased
- ❌Strict exclusions for pre-existing and some congenital conditions
- ❌Wellness add-on brings extra cost for preventive care
- ✅10% lifetime discount for AARP members
- ✅Fully customizable coverage (limit, deductible, rate)
- ✅Unlimited annual limit available
- ✅No maximum age restrictions for enrollment
- ✅Complete dental coverage for adult teeth
- ✅Behavioral therapy included ($1,000/year)
- ✅Fast digital claims, 6-day average reimbursement
Our Expert's Opinion on AARP
Score- ✅10% lifetime discount for AARP members
- ✅Fully customizable coverage (limit, deductible, rate)
- ✅Unlimited annual limit available
- ✅No maximum age restrictions for enrollment
- ✅Complete dental coverage for adult teeth
- ✅Behavioral therapy included ($1,000/year)
- ✅Fast digital claims, 6-day average reimbursement
- ❌Upfront payment required at all vets; no direct pay
- ❌Annual health and dental checks mandatory
- ❌No routine/preventive care unless add-on purchased
- ❌Strict exclusions for pre-existing and some congenital conditions
- ❌Wellness add-on brings extra cost for preventive care
- ✅10% lifetime discount for AARP members
- ✅Fully customizable coverage (limit, deductible, rate)
- ✅Unlimited annual limit available
- ✅No maximum age restrictions for enrollment
- ✅Complete dental coverage for adult teeth
- ✅Behavioral therapy included ($1,000/year)
- ✅Fast digital claims, 6-day average reimbursement
- AARP Guarantees
- AARP Exclusions
- AARP Rates
- AARP Assistance
- Customer feedback on AARP
- How to contact AARP?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and conditions as well as the pricing of insurance policies available on the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to help guide their most important financial decisions.
AARP Guarantees
Fetch Pet Insurance for AARP members offers a unique single-plan structure, customizable by coverage limit, deductible ($200, $350, $500), and reimbursement rate (70%, 80%, 90%), with a dedicated 10% lifetime discount for AARP. This plan stands out for its broad accident & illness protection, full dental coverage, reimbursement for behavioral disorders, and strong flexibility (including unlimited coverage and no upper age limit), but preventive care is excluded unless purchased as an add-on.
Notable strengths include coverage for hospitalization, prescription meds, tele-vet ($1,000/year), and some holistic therapies, plus support even if the pet ages. Downsides are the need to pay vet bills upfront, strict annual checkup/dental requirements, a 15-day waiting period, and many standard exclusions (e.g., preventive care, elective procedures, certain hereditary conditions).
AARP by Fetch is a leading choice for senior pet owners seeking strong illness/accident cover with flexible limits and industry-best dental, but it lacks true bundled preventive coverage and direct vet payments.
| Guarantee / Option | Fetch Pet Insurance (AARP Member Plan) |
|---|---|
| Positioning of the plan | Customizable accident & illness (no “standard/premium” tiers) |
| Type of coverage | Accident & illness |
| Covered animals | Dogs and cats, 6 weeks or older |
| Reimbursement rate (%) | 70%, 80%, or 90% |
| Annual reimbursement limit | $10,000 or unlimited |
| Deductible (annual, per condition) | $200, $350, or $500; annual per pet |
| Minimum & Maximum age to enroll - Dogs | Min 6 weeks; no max age |
| Minimum & Maximum age to enroll - Cats | Min 6 weeks; no max age |
| Pre-enrollment health questionnaire | Annual health and dental checkup required |
| Waiting period for illness | 15 days |
| Waiting period for accident | 15 days |
| Lifetime coverage if insured | ✅ |
| Vet consultation (regular/emergency/specialist) | ✅ All types, up to annual benefit |
| Medications (prescription) | ✅ Covered |
| Hospital stay | ✅ Covered |
| Ambulance costs | NC |
| Surgery, anesthesia | ✅ Covered |
| Scans, MRI, ultrasound | ✅ Covered |
| Lab analyses | ✅ Covered |
| Radiotherapy | NC |
| Dental treatment | ✅ All adult teeth, injury/disease, incl. periodontal (no routine cleaning) |
| Tartar removal | ❌ (unless as result of treating covered dental illness/injury) |
| Preventive care package | Add-on from $10/month (routine exam, vaccines, cleaning, more) |
| Alternative/holistic medicine | ✅ Covered (many types, check specific therapies) |
| Therapeutic food | ❌ Not covered |
| Covered geographic area / Travel | US & Canada (pet must reside US/Canada) |
| Death/cremation expenses | ✅ Up to purchase/adoption price (see contract; exclusions) |
| Euthanasia | ✅ If veterinarian-recommended (not for behavior problems) |
| Lost/ stolen pet, search & advertising costs | ❌ Standard, but some pet recovery costs covered if owner hospitalized |
| Boarding (if owner hospitalized) | ✅ Yes |
| Kenneling fees (non-medical reason) | ❌ |
Good to know
- Annual health and dental checkups are mandatory to maintain coverage and avoid claims denial.
- For hereditary conditions such as hip dysplasia or knee injuries, a 6-month waiting period applies but can be waived with a vet exam in the first 30 days.
- Wellness/preventive care (vaccines, flea/tick, regular cleaning) is not covered unless you buy the optional add-on.
- Claims must be filed within 90 days; reimbursement usually in ~6 days, max 30.
- You must pay the vet first and submit for reimbursement; direct payment is not available.
- Some curable pre-existing conditions may be eligible after 12 consecutive months symptom-free.
Compare before you buy to secure the lowest premium and best coverage fit for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!AARP Exclusions
Unlike most US pet insurers, Fetch (AARP) applies particularly strict exclusions for pre-existing conditions, including behavioral or congenital issues noted even during the initial waiting period, with rare potential for “cure” re-inclusion only after 12 symptom-free months for some ailments.
Coverage ceases for any treatment related to breeding, whelping, elective cosmetic or convenience procedures (including declawing, tail docking, ear cropping), and any routine/preventive care unless specifically included via a wellness add-on, which is not standard.
Care sought outside the US or Canada, or provided without comprehensive, up-to-date annual medical and dental exams, is categorically excluded—a rarely enforced requirement among major US insurers.
Claims for any condition resulting from non-compliance with recommended vaccinations or prescribed preventative protocols (such as parasite control), or where the veterinary consultation occurs more than 48 hours after symptom onset, are rejected.
Fetch also denies claims linked to elective travel, activities like racing, guard or working use, and failures to provide complete veterinary records, making compliance and documentation essential for continued eligibility.
| Exclusions | Details |
|---|---|
| Medical (Pre-existing & Congenital) | - Pre-existing injuries/illnesses (inc. detected during waiting period) - Curable conditions may be covered after 12 symptom-free months (rarely) - Congenital/hereditary/behavioral conditions present or noted before coverage - Intervertebral disc disease (IVDD) and cruciate/knee issues prior to coverage or during waiting period - Dental treatment unless linked to illness/injury after policy start - Routine/preventive care unless add-on - Non-prescription food/supplements - Experimental, holistic, non-vet care (unless by vet and covered by plan) |
| Geographic/Residency | - Treatments given outside US/Canada - Pet not residing with policyholder in US/Canada - Diseases contracted abroad |
| Administrative/Eligibility | - Pets <6 weeks old at enrollment - Lack of annual medical and dental exams - Incomplete medical history - Claim filed >90 days after end of policy period - Veterinary visits >48hr after symptom onset |
| Behavioral/Reproductive | - Complications from breeding, pregnancy, or nursing (except some complications after 15 days of policy) - Behavioral treatment pre-existing or not covered by plan - Euthanasia for behavioral reasons |
| Vaccination/Prevention Compliance | - Illnesses resulting from missing required vaccinations (e.g., distemper, rabies) - Failure to comply with preventative care (parasites, etc.) as advised |
| Cosmetic/Elective Procedures | - Cosmetic or elective surgeries (declaw, tail dock, ear crop, nail trims, convenience dentals, sterilization/castration unless related to illness/injury) - Bathing, non-medical grooming |
| Professional/Intentional Use | - Injuries/diseases caused by racing, professional/working, or criminal acts - Participation in illegal activities or abuse/mistreatment |
| Other Administrative/Legal | - Claims linked to fraud, misrepresentation, incomplete records - Claims above annual limits or outside policy dates - Costs above “customary/reasonable” range |
| Force Majeure/Public Health | - Costs related to war, quarantine, seizure, avian influenza - Refusal of recommended veterinary care |
- Curable conditions may be covered after 12 symptom-free months (rarely)
- Congenital/hereditary/behavioral conditions present or noted before coverage
- Intervertebral disc disease (IVDD) and cruciate/knee issues prior to coverage or during waiting period
- Dental treatment unless linked to illness/injury after policy start
- Routine/preventive care unless add-on
- Non-prescription food/supplements
- Experimental, holistic, non-vet care (unless by vet and covered by plan)
- Pet not residing with policyholder in US/Canada
- Diseases contracted abroad
- Lack of annual medical and dental exams
- Incomplete medical history
- Claim filed >90 days after end of policy period
- Veterinary visits >48hr after symptom onset
- Behavioral treatment pre-existing or not covered by plan
- Euthanasia for behavioral reasons
- Failure to comply with preventative care (parasites, etc.) as advised
- Bathing, non-medical grooming
- Participation in illegal activities or abuse/mistreatment
- Claims above annual limits or outside policy dates
- Costs above “customary/reasonable” range
- Refusal of recommended veterinary care
AARP Rates
AARP (via Fetch by The Dodo) offers pet insurance positioned at a median-to-premium price point compared to other US market players, especially after factoring in the permanent 10% member discount. Coverage is robust: plans are highly customizable (limit, deductible, reimbursement rate), include rare coverages such as full dental, behavioral therapy, and curable pre-existings after 12 months, but require annual exams and proactive preventive care to maintain eligibility.
The main limitation is the absence of preventive care as a base feature—it comes as a paid add-on—while reimbursement is capped by selected annual limits and requires payment up front. AARP Fetch balances broad benefits and flexibility without excesses, but does not undercut the market on minimal formulas: it is neither the cheapest nor the strictest offer.
This makes their offer highly competitive for consumers seeking complete protection and who plan to use advanced benefits, but less optimal for budget-only or limited coverage needs. In summary, AARP Fetch stands in a balanced, "complete but not the cheapest" median position, excelling with extras but at a justified cost.
| Core Accident & Illness | With Routine Care Add-on | |
|---|---|---|
| Young cat (2–4 yrs) | $29/mo | $39/mo |
| Older cat (7–8 yrs) | $64/mo | $74/mo |
| Small dog | $36/mo | $46/mo |
| Small dog (2–4 yrs) | $36/mo | $46/mo |
| Large dog (2–4 yrs) | $51/mo | $61/mo |
| Senior dog (7–8 yrs) | $116/mo | $126/mo |
For tailored pricing and the lowest rate, always compare AARP Fetch with other top US insurers before enrolling.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!AARP promo codes
| AARP Promo Codes | Details |
|---|---|
| AARP Membership Discount | 10% off for AARP members on new pet insurance policies (not available in FL, HI, TN; cannot be combined with other offers) |
| Multi-pet Discount | 10% off for enrolling multiple pets (cannot be combined with other offers; not available in all states) |
| Code HelloSafe | -5% on your quote |
Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance plans.
How much will I be reimbursed with AARP?
With Fetch Pet Insurance through AARP, you can choose strong coverage—including unlimited annual payouts, a high reimbursement rate (up to 90%), and a low deductible (as little as $200/year). Here are some concrete examples to show how your out-of-pocket costs are reduced compared to paying the vet bill alone.
Example 1: Treatment for Allergic Dermatitis
Total veterinarian bill: $450 (exam, skin scraping, prescription medication)
Annual deductible left: $200 (first claim this policy year)
Amount eligible after deductible: $450 – $200 = $250
With the top plan: 90% reimbursement rate with unlimited annual coverage
Amount reimbursed: $250 × 90% = $225
You receive $225 back from Fetch.
Your final out-of-pocket cost: $450 – $225 = $225
With Fetch, your annual deductible is paid only once per policy year and per condition: future treatments for the same condition will not trigger another deductible within the same period.
Example 2: Emergency Surgery After Foreign Object Ingestion
Total veterinarian bill: $4,200 (emergency visit, X-rays, surgery, hospitalization)
Deductible already met earlier in the year
Amount eligible: $4,200
Reimbursement: 90% of $4,200 = $3,780
You receive $3,780 from Fetch.
Your final out-of-pocket cost: $4,200 – $3,780 = $420
Since you already met your deductible for the year, no further deduction applies until your next policy year begins. Even for very high vet bills, you’ll only pay your share and copay; everything else is covered up to your annual or unlimited plan limit.
Example 3: Dental Cleaning with Wellness Package Add-On
Total vet bill: $350 (annual dental cleaning + oral exam, covered with wellness add-on)
Deductible for wellness/routine care: $0 (wellness add-on has no deductible)
Routine care maximum for reimbursable dental: $150 (example for top wellness benefit)
Fetch will reimburse: $150 (annual max for dental cleaning)
You get $150 reimbursed toward the cleaning.
Your final out-of-pocket cost: $350 – $150 = $200
Preventive annual dental cleanings, vaccines, and wellness checkups are only covered if you enroll in the optional Wellness add-on. Core medical conditions are covered on all plans; for maximum savings, combine the top reimbursement plan with wellness coverage.
These examples show that with Fetch Pet Insurance via AARP, your pet—and your wallet—get excellent protection, especially when you select the highest available coverage options!
AARP Assistance
AARP's partnership with Fetch Pet Insurance brings a 10% lifetime discount on premiums for members, but there is no service allowing for direct payment of the vet (advance of costs is not available, requiring members to pay upfront and file for reimbursement).
Claims can be submitted quickly by app or online and are processed on average within 6 days, yet veterinary emergencies or teleconsultation services are not integrated nor 24/7 hotlines for pet health.
While the mobile app works for claim submission, user feedback is not best-in-class for navigation or added features compared to leading US competitors.
Fetch operates nationwide and covers US and Canada, but does not provide a network of preferred veterinary clinics, potentially limiting the negotiation of fees or emergency triage support.
Routine/preventive care is only accessible through a paid add-on; boarding, loss, and vacation interruption benefits are subject to strict conditions, and pre-authorization or advance estimates are not standard.
| Assistance AARP | Disponible ? | Détails |
|---|---|---|
| Advance of costs | ❌ | No Payvet, Petcard, or CareCredit integration. Members must pay the vet out of pocket and file for reimbursement afterward. |
| Payment facilities | ❌ | No interest-free installment payments or deferred payment options are advertised or offered to policyholders. |
| Mobile application | ✅ | Fetch offers a mobile app (Fetch Pet Insurance; ~4.0 on iOS, ~3.3 on Android). Allows online claim submission and status tracking but feedback is mid-range for UX features. |
| Digital claims/reimbursement management | ✅ | Digital claims possible via app or website; all reimbursements issued by direct deposit or check, average processing time is 6 days. |
| Emergency veterinary hotline/teleconsultation | ❌ | No 24/7 emergency helpline. Teleconsultation only reimbursable up to $1,000/year if initiated by a licensed vet; not an included service. |
| Veterinary/clinic network | ❌ | No preferred provider network; claims accepted at any licensed vet in the US or Canada. |
| Foreign cover | ✅ | Coverage applies to treatments in the US and Canada only. No coverage outside North America. |
Customer feedback on AARP
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.4 / 5 (4,317 reviews) |
| Pawlicy Advisor | 4.4 / 5 (aggregate rating, 3,500+ reviews) |
| ConsumerAffairs | 4.2 / 5 (1,112 reviews) |
We analyzed the reviews on the sites listed above. On the positive side, policyholders who enrolled with AARP (Fetch) Pet Insurance for their pets often mention:
- A knowledgeable and friendly customer service: agents are frequently highlighted for being accommodating, providing thorough information, and proactively assisting with both plan selection and the claims process.
- Comprehensive and flexible coverage: a wide range of conditions are covered—including dental, behavioral, breed-specific, and alternative treatments—with customizable limits, deductibles, and reimbursement rates.
- Prompt and transparent reimbursement: most claims are processed and paid in less than a week, with clear communication and easy online submission.
- No maximum age for enrollment: older pets are welcome, and continuous coverage is guaranteed as long as premiums are paid.
- Value of the AARP member discount: the automatic 10% lifelong discount for AARP members is widely appreciated, especially for members with multiple pets or those seeking unlimited coverage.
- Inclusion of some curable pre-existing conditions: after 12 symptom-free months, certain conditions may become eligible for coverage, providing reassurance for owners of previously ill pets.
On the negative side:
- The need to pay veterinary bills up front: since direct payment to the vet is not available, members must pay the full amount before reimbursement, which can cause difficulty in high-cost situations.
- Strict annual health and dental exam requirements: annual wellness and dental checkups are mandatory for continued coverage and accepted claims, and some users report challenges in keeping track or ensuring compliance.
- Several notable exclusions: preventive care is only available as an add-on and not in base plans, and some services—such as elective/cosmetic procedures or prescription diets—are never covered, leading to disappointment among some customers.
- Some complaints about hidden fees or lack of clarity in policy details: a minority of reviewers express dissatisfaction with the explanation of terms, especially regarding waiting periods, pre-existing condition rulings, or changes to premium amounts.
- Processing challenges for certain claims: although most find claims easy, there are occasional reports of delays, extensive requests for documentation, or confusion regarding required paperwork, especially for more complex treatments.
- Limited state availability of discounts: the 10% AARP discount is not offered in Florida, Hawaii, and Tennessee, frustrating some potential customers in those states.
How to contact AARP?
| Service client AARP | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the policy that suits you, and click to get a quote. |
| To request and track a reimbursement |
|
| To get an insurance certificate |
|
| To contact assistance |
|
| To cancel my contract |
|
- Declare your claim online on your Fetch Pet (Fetch by The Dodo) personal space or via the mobile app, or call the Fetch customer service at 1-866-984-0104.
- Send within 90 days after the treatment: the detailed invoice, proof of payment, prescription if needed, and your pet's medical history (if requested).
- Reimbursement within 30 days maximum after receipt of the complete file (<6 days on average).
- Reimbursement by bank transfer or check.
- For any questions or follow-up: [email protected].
- Request a coverage certificate by contacting Fetch customer service by phone at 1-866-984-0104 or by email at [email protected].
- You can also access your documents in your Fetch online client area.
- For any assistance (general questions, file follow-up, administrative emergency), contact Fetch customer service at 1-866-984-0104.
- By email: [email protected].
- Opening hours: Monday to Friday 8am–9pm EST, Saturday 9am–7pm EST.
- For general AARP questions, the AARP customer service is available at 1-888-687-2277 (Monday to Friday 8am–8pm EST).
- Cancellation possible at any time by phone with Fetch at 1-844-251-5462.
- A cancellation request email can also be sent to [email protected].
- Full refund if cancellation is within 30 days with no claim; pro-rata refund after 30 days.
- No supporting documents required but it is recommended to indicate your contract references.
- Cancellation effective upon request; confirmation sent by email.
- Postal address if by mail: Fetch Pet Insurance, 101 Greenwich Street, 18th Floor, New York, NY 10006, USA.
FAQ
Do I need to pay the veterinarian upfront with AARP pet insurance?
With AARP (Fetch) pet insurance, you must pay the veterinary bill in full at the time of service. The insurer does not offer direct payment or a third-party “payvet” system. After you’ve paid, you can file a claim online or by phone and get reimbursed for eligible expenses according to your coverage limits, chosen reimbursement rate, and deductible.
How do I cancel my AARP pet insurance contract?
You can cancel your AARP pet insurance anytime by calling Fetch at 1-844-251-5462. If you cancel within 30 days and haven’t submitted any claims, you’ll receive a full refund. After 30 days or if a claim was submitted, you’ll get a pro-rated refund for any unused premium. No specific documents are required, but having your policy info will speed up the process.
Are pre-existing conditions covered by AARP pet insurance?
AARP pet insurance excludes most pre-existing conditions from coverage. However, if your pet has a curable condition and goes 12 months symptom-free, that issue may become eligible for coverage again. Chronic or recurring health problems discovered before enrollment or during waiting periods remain excluded.
What does the AARP pet insurance plan cover and not cover?
AARP's Fetch policy covers vet expenses for accidents, illnesses, emergency care, breed-specific conditions, dental issues, prescription meds, and behavioral disorder treatments. It doesn’t cover cosmetic procedures, non-prescription food, breeding-related issues, vacation cancellation, preventive care (unless you add the wellness package), or expenses related to pre-existing conditions.
How fast will I get reimbursed after making a claim?
Once you submit your claim and all required documentation, most reimbursements are processed within 6 days (average), with a maximum of 30 days. You’ll receive the payment by direct deposit or check, depending on your chosen method. Be sure to file your claim within 90 days of treatment and provide the full medical record for quicker processing.
Do I need to pay the veterinarian upfront with AARP pet insurance?
With AARP (Fetch) pet insurance, you must pay the veterinary bill in full at the time of service. The insurer does not offer direct payment or a third-party “payvet” system. After you’ve paid, you can file a claim online or by phone and get reimbursed for eligible expenses according to your coverage limits, chosen reimbursement rate, and deductible.
How do I cancel my AARP pet insurance contract?
You can cancel your AARP pet insurance anytime by calling Fetch at 1-844-251-5462. If you cancel within 30 days and haven’t submitted any claims, you’ll receive a full refund. After 30 days or if a claim was submitted, you’ll get a pro-rated refund for any unused premium. No specific documents are required, but having your policy info will speed up the process.
Are pre-existing conditions covered by AARP pet insurance?
AARP pet insurance excludes most pre-existing conditions from coverage. However, if your pet has a curable condition and goes 12 months symptom-free, that issue may become eligible for coverage again. Chronic or recurring health problems discovered before enrollment or during waiting periods remain excluded.
What does the AARP pet insurance plan cover and not cover?
AARP's Fetch policy covers vet expenses for accidents, illnesses, emergency care, breed-specific conditions, dental issues, prescription meds, and behavioral disorder treatments. It doesn’t cover cosmetic procedures, non-prescription food, breeding-related issues, vacation cancellation, preventive care (unless you add the wellness package), or expenses related to pre-existing conditions.
How fast will I get reimbursed after making a claim?
Once you submit your claim and all required documentation, most reimbursements are processed within 6 days (average), with a maximum of 30 days. You’ll receive the payment by direct deposit or check, depending on your chosen method. Be sure to file your claim within 90 days of treatment and provide the full medical record for quicker processing.
