How Reimbursement Rates Work in Pet Insurance

Introduction

After the deductible, the reimbursement rate is the next most important factor in determining how much you’ll pay out of pocket. Should you choose 70%, 80%, or 90%? Let’s look at how reimbursement rates work in practice and how to balance them with premiums. With the right strategy, you can save money without sacrificing peace of mind — and AARDY.com makes this balance easy to visualize.

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What Is a Reimbursement Rate?

The reimbursement rate is the percentage of the vet bill your insurer pays after you meet your deductible. If you choose 80% reimbursement, you cover 20% of each eligible bill (plus the deductible if not yet met).

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Case Example

Suppose your cat Luna swallows string, and surgery costs $3,000. With a $500 deductible and 80% reimbursement:

• You pay the first $500.
• The insurer covers 80% of the remaining $2,500 ($2,000).
• You pay $500 + $500 = $1,000 total.

If you had 90% reimbursement, you’d pay $750 total instead. But your monthly premiums would be higher.

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Balancing Cost and Coverage

Higher reimbursement reduces surprise bills but raises premiums. Lower reimbursement lowers premiums but increases risk. The right choice depends on your comfort level and financial cushion.

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Conclusion

Reimbursement rates shape your long-term costs as much as premiums do. Compare how different rates change both monthly and emergency costs on AARDY.com before locking in a plan.