Paid Back 
in 48 to 72 Hours.
No mountains of paperwork, weeks of waiting, or confusing adjusters. Just a fast, transparent process — so you can focus on your pet's recovery.
Three Simple Steps
Visit Any Licensed Vet
You're never restricted to a closed network. Go to your local vet, a 24/7 emergency hospital, or a specialist anywhere in the country — and pay at the clinic as usual.
Upload Your Invoice & Records
Snap a photo or upload a PDF of your itemized invoice and medical summary in your secure member portal. Nothing to print, mail, or fax.
Get Paid Fast — Up to 75% Back
We review your submission instantly against your plan. Once approved, funds land in your bank account or on your debit card — typically within 48 to 72 hours.
Why Pet Parents Love Our Process.
Get treatment the moment your pet needs it. Sort out the money afterward — in minutes, not weeks.
No Deductibles to Clear
Traditional insurance makes you pay hundreds or thousands before coverage kicks in. Hey Hiro protects you right away, up to your per-event cap.
No Pre-Approval Delays
In an emergency, waiting on pre-authorization costs precious time. Get treatment immediately, then submit your receipt afterward.
Transparent Payouts
Up to 75% back on covered accidents, sudden illnesses, and emergency surgeries, up to your plan's annual maximum.
Focus on Recovery. We'll Handle the Rest.
Choose a plan and be ready before the next surprise.
Protect my pet ↗