What happens if I file a false pet insurance claim?

For one, filing a false pet insurance claim is considered part of insurance fraud and you may be legally penalized for this. To knowingly provide claims information that is false, misleading or incomplete may result in a denial of the claim (at the very least), fines and even imprisonment.

In some cases, insurance companies also share a database with other insurance companies in order to help track false claims. These databases may also contain information on the average amounts charged for every veterinary procedure. They may also get the help of veterinarians to determine whether a treatment was necessary or not. Thus, there are many ways that pet insurance companies protect themselves from people who unscrupulously file false insurance claims.

Aside from the filing of false insurance claims, insurance fraud can include cases where there is padding or inflating of the claim amount or providing information that is false (particularly during the application of the pet insurance).

To avoid looking like you're filing a false pet insurance claim, you have to be careful to submit the necessary files. When filing a claim against your pet insurance policy, it is best to back everything up with documentation. These can include receipts, doctor's notes, copies of the doctor's prescription and other related documentation.

Be sure to submit these when you claim to help the claims adjuster determine that your claim is legitimate and that the amounts being claimed are also what the veterinarian actually charged you.

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