Claim Example: rattlesnake bites Great Danes three times!

One summer danger we might not always think about is snakes. Poor Aragon, a Great Dane, living in Jamul, CA, encountered three separate snakes in three separate incidents last year - he even had rattlesnake avoidance training after the first incident too (might want to redo that training Aragon, just a thought.)

Here is one of Aragon's pet insurance claims highlighted for you so you can see the cost involved. With an event like a snake bite, an emergency clinic is often the only option.

DATE ITEM COVERED CHARGES
9/5/2011 Exam  $           58.00
9/5/2011 Hospitalization  $         117.00
9/5/2011 Catheterization  $           67.00
9/5/2011 Fluids  $         141.00
9/5/2011 Hydromorphone Inj  $           90.00
9/5/2011 CBC  $         104.00
9/5/2011 PT/PTT  $         214.00
9/5/2011 Blood Collection Fee  $             9.00
9/5/2011 Antivenom Injection  $         694.00
9/5/2011 Syringe Pump  $           51.00
9/5/2011 Blood Pressure  $           43.00
9/5/2011 Chem Panel /Lytes  $         118.00
9/6/2011 Hospitalization  $         143.00
9/6/2011 Fluids  $           94.00
9/6/2011 Fluid Additive  $           54.00
9/6/2011 PT/PTT  $         107.00
9/6/2011 Blood Collection Fee  $             9.00
9/6/2011 CBC  $           52.00
Total    $      2,165.00

The Embrace claim reimbursement was calculated as follows (Aragon's $500 deductible had already been met by his previous claim that year).

STEP 1: Calculate Potential Refund
  Billed Amount:         $2,165.00
  Covered Charges:   $2,165.00
  Annual deductible remaining     $0.00
  subtotal     $2,165.00
  Copay 20%  (your copayment)      $433.00
Potential Refund          $1,732.00
STEP
  2: Compare potential refund against your annual maximums
     Annual Maximum         $10,000.00
     Prior refunds for this policy year     $1,072.00
     Coverage remaining         $8,928.00
Your total refund is:         

$1,732.00

PICT2480Luckily, Aragon has had no long lasting effects from his ordeals. You can see more details on the Embrace Pet Insurance website page Great Dane With Snake Bites.

Has your dog ever encountered a snake?

June is Summer Dangers Month at Embrace Pet Insurance
Guest Post: Summer Dangers with Dr Patrick Mahaney
Claim Example: rattlesnake bites Great Danes three times!
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