Claim Example: Old English Bulldogge with multiple medical conditions

Thursday, October 06, 2011

Claim Example: Old English Bulldogge with multiple medical conditions

Given that it's Orthopedic Month at Embrace, I wanted to show you the claims over the last couple of years for a Olde English Bulldogge called Kobe. Kobe was born in March 2006 and lives near Los Angeles, CA. Little did anyone know when Kobe was born how expensive he'd be later in life.

First, let's go over Kobe's policy. Kobe's coverage costs $58.14 a month in his third policy term (prior years cost $49.28 and $53.83 consecutively) and he has a $200 annual deductible, 80% reimbursement percentage, $5,000 annual maximum plus the drug coverage selected.

The main contributors to Kobe's relatively high premiums are:

Kobe is an expensive breed to insure (as you can see by the claims below),
he lives in an expensive area (veterinary costs around LA are much higher than many parts of the country) and
he's now 6 years old

So on to Kobe's claims - see the table below.

I'm sure when Kobe arrived into his family's life, they certainly did not expect to be paying veterinary bills for 7 different medical conditions over the last two years. Probably, their only regret is that they did not get a $10,000 annual maximum instead of $5,000 but then his premium would have been higher.

Vet Visit	Claim Status	Diagnosis	Claim Amount	Paid Amount
10/18/2009	Deduct	gastroenteritis from eating chicken wings	$72.20	$0.00
11/7/2009	Paid	Dietary Indiscretion	$1,623.20	$1,196.32
1/9/2010	Paid	Skin Fold Dermatitis	$99.68	$79.74
2/21/2010	Paid	Allergies, Reverse Sneeze, & ADR	$792.00	$575.84
7/9/2010	Paid	Acute Vomiting; DDX Infectious, Inflammatory	$401.30	$321.04
7/20/2010	Paid	Conjunctivitis	$152.17	$121.74
9/5/2010	Paid	Left Pelvic Limb Lameness, No Known Trauma	$60.00	$48.00
9/7/2010	Paid	Bilaterally hip subluxation with DJD	$410.25	$313.80
9/11/2010	Paid	Bilateral DJD in hips	$429.95	$343.96
11/4/2010	Deduct	Conjunctivitis, Marginal Tear Production, Corneal Ulcer	$168.00	$0.00
10/13/2010	Paid	Pyoderma, Otitis, Balanoposthitis/Urethritis	$209.36	$132.29
11/22/2010	Paid	Corneal Ulcer OS- Healed, Conjunctivitis OU, Pyoderma	$212.17	$169.74
1/4/2011	Paid	Lumbosacral Stenosis, Hip Dysplasia	$2,244.15	$1,795.32
1/11/2011	Paid	Hip Dysplasia- Bilateral	$3,382.70	$2,680.56
1/27/2011	Paid	Post Op Physical Therapy after bilateral FHO's	$665.00	$247.69
			$10,922.13	$8,026.04

Does this look familiar to you?

Posted by Laura on Thursday, October 06, 2011 at 10:05 PM | Permalink

Comments

The main contributors to Kobe's relatively high premiums are:

Kobe is an expensive breed to insure (as you can see by the claims below),
he lives in an expensive area (veterinary costs around LA are much higher than many parts of the country) and
he's now 6 years old

So on to Kobe's claims - see the table below.

Vet Visit	Claim Status	Diagnosis	Claim Amount	Paid Amount
10/18/2009	Deduct	gastroenteritis from eating chicken wings	$72.20	$0.00
11/7/2009	Paid	Dietary Indiscretion	$1,623.20	$1,196.32
1/9/2010	Paid	Skin Fold Dermatitis	$99.68	$79.74
2/21/2010	Paid	Allergies, Reverse Sneeze, & ADR	$792.00	$575.84
7/9/2010	Paid	Acute Vomiting; DDX Infectious, Inflammatory	$401.30	$321.04
7/20/2010	Paid	Conjunctivitis	$152.17	$121.74
9/5/2010	Paid	Left Pelvic Limb Lameness, No Known Trauma	$60.00	$48.00
9/7/2010	Paid	Bilaterally hip subluxation with DJD	$410.25	$313.80
9/11/2010	Paid	Bilateral DJD in hips	$429.95	$343.96
11/4/2010	Deduct	Conjunctivitis, Marginal Tear Production, Corneal Ulcer	$168.00	$0.00
10/13/2010	Paid	Pyoderma, Otitis, Balanoposthitis/Urethritis	$209.36	$132.29
11/22/2010	Paid	Corneal Ulcer OS- Healed, Conjunctivitis OU, Pyoderma	$212.17	$169.74
1/4/2011	Paid	Lumbosacral Stenosis, Hip Dysplasia	$2,244.15	$1,795.32
1/11/2011	Paid	Hip Dysplasia- Bilateral	$3,382.70	$2,680.56
1/27/2011	Paid	Post Op Physical Therapy after bilateral FHO's	$665.00	$247.69
			$10,922.13	$8,026.04