Claim Example: Pugsly the Bulldog with allergies

Poor Pugsly. As long as we've known him, he's suffered multiple ear and skin infections over the years; a classic sign of allergies in a dog. If you have a Bulldog, you likely aren't surprised as Bulldogs are certainly prone to allergies more than some other breeds.

Some pet insurers consider allergies hereditary conditions and do not cover them. Obviously Embrace does cover them.

Here are his Embrace Pet Insurance claims since 2007:

Vet Visit Status Diagnosis Vet Bill Covered Amount Paid Amount
2/12/2007 Paid Allergies 412.48 412.48 250.06
3/10/2007 Paid Allergy treatment 202.79 202.79 182.51
12/6/2007 Deduct Allergy 24.52 24.52 0.00
11/21/2007 Paid Immunotherapy 147.00 147.00 132.30
3/1/2008 Deduct Allergies 175.65 136.65 0.00
3/12/2008 Paid Allergies 147.20 119.20 72.33
4/1/2008 Paid Allergy treatment 170.30 102.30 92.07
6/23/2008 Paid Otitis externa 258.05 167.05 150.34
1/7/2009 Deduct Otitis externa 91.00 91.00 0.00
1/4/2011 Deduct Otitis Externa 59.86 59.86 0.00
1/5/2011 Deduct Otitis Externa 43.41 43.41 0.00
9/28/2011 Paid Otitis and Dermatitis 118.22 118.22 19.34
      1,850.48 1,624.48 898.95

The claims cross 6 policy terms so the annual deductible of $200 applies every year but Pugsly also had some other claims as well. Pugsly has a 90% reimbursement rate.

FYI, the items that weren't covered were non-medical charges for turkey patties and mineral soap. Lucky Pugsly!

Pugsly head shot 11-22-06

Related Posts:
May is Allergy Month at Embrace Pet Insurance
Guest Post: top 4 signs of pet allergies
Claim Example: Pugsley the Bulldog with allergies
Claim example: a rather expensive Labrador
Guest Post: Allergy Questions with Dr Patrick Mahaney