Claim Example: bilateral hip dysplasia surgery in a Golden Retriever

Poor Two-Row. She's only 1 year old but had to undergo a $4,400 hip replacement surgery for both hips before the age of one. Hip dysplasia is a hereditary condition and must have been very severe for such aggressive surgery at such a young age. Thank goodness her owner thought to get pet insurance for her at a very early age to get this surgery paid for.

Since obesity is the theme of the month, it's worth noting that hip dysplasia can also be exacerbated by obesity (although I'm sure in Two-Row's situation, that was not the case).

Here are the details of the surgery charges:

ITEM BILLED AMOUNT COVERED CHARGES
1st exam $68.00 $68.00
radiograph 14x 17 2-views $155.00 $155.00
hosp $35.00 $35.00
sedation $95.00 $95.00
exam, sd- referral $168.00 $168.00
rimadyl 75mg tab-14qty $47.24 $47.24
tramadol hci 50mg-15qty $11.65 $11.65
pelvis subcategory $750.00 $750.00
surgery pack & o.r. fee $369.00 $369.00
radiograph x2 $205.00 $205.00
anes- induction $122.85 $122.85
anes-gas-iso/sevo @15 min $595.32 $595.32
iv cath peripheral multi $127.00 $127.00
fluids lrs 1 liter per bag $26.00 $26.00
fluids initial iv set up $17.00 $17.00
cri set up charge 250ml bag $23.62 $23.62
hydromorphone 2mg/ml $39.60 $39.60
ketamine 100mg/ml $21.34 $21.34
lidocaine 2% cri, per ml $22.13 $22.13
tpo locking plate 20, left $310.20 $310.20
3.5mm cortex screw $60.00 $60.00
4.0mm cancellous sc ft 22mm $58.00 $58.00
hosp level II/shift $200.00 $200.00
duramorph 1mg/ml inj $94.07 $94.07
cefazolin inj $28.92 $28.92
pcv/tp $15.00 $15.00
profile nsaid's $69.00 $69.00
lidocaine hci inj $15.40 $15.40
glycopyrrolate inj $15.64 $15.64
hosp level II/shift $200.00 $200.00
cefazolin inj $21.96 $21.96
hosp non icu-shift $70.00 $70.00
sedation brief- 3 drugs $81.90 $81.90
radiograph x2 $205.00 $205.00
recheck- sd, brief $35.00 $35.00
hosp< 3hrs $46.00 $46.00
Tax $6.75 $6.75
  $4,431.59 $4,431.59

Two-Row's pet insurance policy had a $500 annual deductible, a 10% copayment percentage and a $10,000 annual maximum with the prescription drug coverage added. Her premium is $36.66 per month (she lives in MA).

The payout for this claim was $3,691.43, which is calculated as follows:

STEP 1: Calculate Potential Refund     
  Billed Amount:       $4,431.59
  Covered Charges:  (see attached detail)    $4,431.59
  Annual deductible remaining   $330.00
  subtotal   $4,101.59
  Copay 10%  (your copayment)    $410.16
Potential Refund        $3,691.43
         
         
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:     $3,691.43

Related Obesity Posts:
August is Obesity Month at Embrace Pet Insurance
Claim Example: bilateral hip dysplasia surgery in a Golden Retriever
How many calories a dog or cat should eat a day?
What does a healthy dog really look like?
National Holistic Pet Day


Get an Embrace Pet Insurance Quote