Amazingly, yes! Maybe it's just me, but I thought that only people succumbed to such things but dogs and cats can be allergic to insect stings just like humans can.
We recently had an example of Chloe, a 6 month old Bulldog, who was in the garden where there were yellow jackets flying around and it appears she was stung and her face became severely swollen. Poor baby!
Charles, her pet parent, took her to the emergency room and they treated her with epinephrine (opens airway and improves blood pressure) and diphenhydramine (slower acting antihistamine).
| DATE | ITEM | BILLED AMOUNT | COVERED CHARGES |
| 10/29/2010 | Emergency Exam | $105.00 | $105.00 |
| 10/29/2010 | Epinephrine 1:1000 30ml/ml | $42.75 | $42.75 |
| 10/29/2010 | Diphenhydramine Injection | $42.75 | $42.75 |
| 10/29/2010 | Hospitalization | $42.00 | $42.00 |
| Total | $232.50 | $232.50 |
Here's how her $200 annual deductible and 20% copay worked for Chloe's pet insurance policy:
| STEP 1: Calculate Potential Refund | ||||||||
| Billed Amount: | $232.50 | |||||||
| Covered Charges: | $232.50 | |||||||
| Annual deductible remaining | $200.00 | |||||||
| subtotal | $32.50 | |||||||
| Copay 20% | (copayment) | $6.50 | ||||||
| Potential Refund | $26.00 | |||||||
| STEP 2: Compare potential refund against your annual maximums | ||||||||
| Annual Maximum | $10,000.00 | |||||||
| Prior refunds for this policy year | $0.00 | |||||||
| Coverage remaining | $10,000.00 | |||||||
| Your total refund is: | $26.00 | |||||||
Now that Chloe has met her annual deductible, she only has the 20% copayment percentage applied to her covered charges for the remainder of her policy year.
The treatment wasn't too expensive considering it could have been life-threatening but certainly not something to be sneezed at.
Has your dog or cat ever had a reaction to an insect bite such as a bee or yellow jacket?
Related Posts:
May is Allergy Month at Embrace Pet Insurance
Guest Post: Allergies in Pets
Can dogs be allergic to bee and yellow jacket stings?
Claim Example: allergies in a dog


