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The rising cost of vet care

Learn how and why veterinary bills are increasing, and how a Healthy Paws plan can help.
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How do reimbursements work?

Reimbursements are based on your actual veterinary bills. Claims representatives determine the total of the covered treatments, and reimburse you for the percentage of those bills that you selected for your policy, minus your remaining annual deductible.

For example: say you have a policy with a $250.00 annual deductible and a reimbursement rate of 80%

  • You get a vet bill for $1,200 in covered treatments
  • 80% of $1,200 = $960
  • $960 minus your $250 annual deductible = $710
  • You are reimbursed $710 for that $1,200 bill

For your next bill, you would be reimbursed a full 80% for covered treatments. (Your pet's deductible is annual, meaning it must be satisfied only once per policy term and resets on the anniversary of your pet's enrollment.)

If a claim is approved, any reimbursement due will be issued on average within 1 business day. You can choose to be reimbursed via a mailed check or direct deposit.
Example 1: cat with urinary obstruction
Treatments
Services covered
Not covered
Diagnostic tests

X-rays, lab work

$344.82
Hospitalization

Hospital stay, meds, in-patient medical exam

$97.82
Surgery

Anesthesia, surgery, catheter placement

$257.09
Exclusions

Veterinary exam, pet food

$70.08
Total covered expenses:

80% of $699.16, minus remaining annual deductible

$599.32 – $250.00
TOTAL REIMBURSED
$309.32
Example based on 80% reimbursement with $250 annual deductible, un-met at time of treatment
Example 2: dog with Intervertebral Disk/Laminectomy (specialty care)
Treatments
Services covered
Not covered
Diagnostic tests

X-ray, myelogram, lab work

$921.40
Hospitalization

Hospital stay, physical therapy nursing, medications

$1,050.49
Surgeries

Anesthesia, surgery, catheter placement, medications

$2,089.04
Exclusions

Emergency fee, consultation fee, physical therapy consult

$395.00
Total covered expenses:

80% of $4,060.93, minus remaining annual deductible

$3,248.74 – $0.00
TOTAL REIMBURSED
$3,249.74
Example based on 80% reimbursement with $250 annual deductible which had been met at time of treatment

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The claim scenarios described here are intended to show the types of situations that may result in claims. These scenarios should not be compared to any other claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law. Insureds providing testimonials in this report have not received compensation for their statements. Facts may have been omitted to protect the privacy of the parties involved.