After paying your veterinarian for your pet's treatment, simply send us the clinic invoice along with our one-page claim form via
email, fax: 888-228-4129, or snail mail. We'll be on the case, moving quickly to reimburse you. We simply take your covered charges and multiply it by your reimbursement level and then apply your annual deductible.
We reimburse you for your pet insurance claims as quickly as possible. Our goal is to approve repeat claims in 72 hours or less. First-time claims may take a little longer, between five to ten business days, depending on how quickly your vet clinic provides us with the records we need to complete the claim process. And if you ever have any questions or concerns, please don't hesitate to
contact us.
Claim Example #1: Your dog has had diarrhea for several days
You're not sure what's wrong and she doesn't seem to be getting any better. So you take her into your vet for a check-up.
Your Vet's Diagnosis: Diarrhea, cause undetermined. Your veterinarian visit would normally include:
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| Total Veterinary Bill: | $269.74 | |
| Reimbursement Summary: |
|
Treatments | Services Covered | Not Covered |
|
DIAGNOSTICS and TREATMENTS
- Intestinal Parasite Exam (Lab work)
- SQ Fluids (fluids given under the skin)
| 115.00 | |
PRESCRIPTION MEDICINES
- RX of Metronidazole, antibiotic and dewormer
- RX of Kaopectate (Bismuth Subsalicylate)
| 97.20 | |
| Canned Bland Diet | | 6.54 |
| Office Visit (Veterinary Exam) | | 51.00 |
| Total Covered | $212.20 | |
| Multiply by Reimbursement Level: 90% | 190.98 | |
|
Minus Remaining Annual Deductible: $100 | 100.00 | |
|
| Your Reimbursement: | $90.98 | |
| |
After paying your veterinarian for your dog's treatment, send us the clinic invoice along with our one-page claim form. We take your covered charges and multiply it by your reimbursement level and then apply whatever remains of your annual deductible. We reimburse you quickly, normally within 72 hours of receiving medical records from the veterinarian.
Since this was your first claim, your full annual deductible was applied. Future claims will have higher reimbursements because your deductible will have been met.
Claim Example #2: Your cat has been straining to urinate
Your Vet's diagnosis: Urinary Obstruction. Your veterinarian visit would normally include:
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| Total Veterinary Bill: | $769.64 | |
| Reimbursement Summary: |
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Treatments | Services Covered | Not Covered |
|
Diagnostic Testing
- X-rays
- Chemistry Profile (Lab work)
- Urine Culture & Sensitivity (Lab work)
- Urinalysis & Critical Care Profile (Lab work)
| $344.25 | |
Treatments During Hospitalization
- In-Patient Hospitalization
- Antibiotic Injection
- In-Patient Doctor Exam
| $79.40 | |
Prescription Medications
- RX: Amoxicillin, antibiotic
| $18.82 | |
Surgeries
- Gas Anesthesia
- IV Anesthesia
- Relieve Urinary Obstruction Surgery
- Placement of Indwelling Urinary Catheter
| $257.09 | |
| Office Visit (Veterinary Exam) | | $63.00 |
| Other Limitations including pet food | | $7.08 |
| Total Covered | $699.56 | |
| Multiply by Reimbursement Level: 90% | $629.60 | |
|
Minus Remaining Annual Deductible: | $100.00 | |
|
| Your Reimbursement: | $529.60 | |
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After paying your veterinarian for your cat's treatment, send us the clinic invoice along with our one-page claim form. We take your covered charges and multiply it by your reimbursement level and then apply whatever remains of your annual deductible. We reimburse you quickly, normally within 72 hours of receiving medical records from the veterinarian.
Claim Example #3: You noticed that your little dogs back legs seem wobbly
You're not sure what's wrong, but there seems to be a problem with your dog's back or back legs. When standing, he falls to one side and walks kind of funny. You take him to your primary veterinarian for evaluation.
Your Vet's Diagnosis: Back pain, suspect IVDD. Refer to a Specialist. Your bill for this veterinarian visit would normally include:
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| Total Veterinary Bill: | $196.60 | |
| Reimbursement Summary |
|
Treatments | Covered | Not Covered |
|
| Diagnostic Testing
| $99.00 | |
Prescription Medications
- RX: Metacam, pain reliever
| $46.60 | |
| Office Visit (Veterinary Exam) | | $51.00 |
| Total Covered | $145.60 | |
| Multiply by Reimbursement Level: 90% | $131.04 | |
|
Minus Remaining Annual Deductible: $0 | $0.00 | |
|
| Your Reimbursement: | $131.04 | |
| |
Your regular veterinarian refers your dog to be seen by a specialist:
Specialist Diagnosis: Intervertebral Disk / Laminectomy. Your bill for this veterinarian visit would normally include:
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| Total Veterinary Bill: | $ 4,455.93 | |
| Reimbursement Summary: |
|
Treatments | Covered | Not Covered |
|
1. Diagnostics
- X-ray, 1st Plate
- Complete Blood Count (Lab work)
- Blood Chemistry Tests (Lab work)
- Myelogram
- X-ray, Additional Plates
| $921.40 | |
2. Hospitalization
- Hospitalization Level II, x 2
- Physical Therapy Nurse, x 7
- Physical Therapy Level II
- Hospital Care Additional, x10
- Hospitalization Level I
- Physical Therapy Level I
| $ 1,050.49 | |
3. Surgeries
- IV Catheter Placement
- IV Catheter & Fluid Therapy
- Acepromazine Injection
- Diazepam/Valium Injection
- Hydromorphone Injection
- Propofol Anesthesia
- Isovue
- Inhalation Anesthesia
- Neurosurgery Procedure
- Blood Pressure Monitor, x 5
- IV Fluid Catheter Monitor
- Fentanyl Injection
- Ranitidine Injection
- Surgical Supplies
- O.R. Room / Equipment Use Fee
- Biohazards Fee
| $1,866.54 | |
4. Prescription Medications
- RX: Dasiquin
- RX: Clavamox, antibiotic
- RX: Tramadol, pain reliever
- RX: Pepcid AC
- RX: Phenoxybenzamine
- RX: Metacam, pain reliever
| $222.50 | |
5. Exam
- Emergency Fee
- Consultation Exam
- Physical Therapy Consult
| | $395.00 |
| Total Covered | $4,060.93 | |
| Multiply by Reimbursement Level: 90% | $3,654.84 | |
|
Minus Remaining Annual Deductible: | $0.00 | |
|
| Your Reimbursement: | $3,654.84 | |
| |
After paying your veterinarian for your dog's treatment, send us the clinic invoice along with our one-page claim form. We take your covered charges and multiply it by your reimbursement level and then apply whatever remains of your annual deductible. We reimburse you quickly, normally within 72 hours of receiving medical records from the veterinarian.
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