Inflammatory Bowel Disease

OtisOtis, American Staffordshire Terrier

Surgery revealed that Otis was suffering from IBD
Vet Bill: $2,915
Location: Portland, Oreg.
Date: May 2010
View Claim Refund

Background

When some routine blood work showed elevated liver enzymes for Reed and Scott's dog, Otis, veterinarians weren't 100% clear on the cause. They did an ultrasound to see if Otis' liver looked bad in any way but there was nothing abnormal. Bad gas, bowel movements and elevated enzymes continued though.

Reed and Scott finally decided to take Otis to an internal medicine specialist who felt that exploratory surgery to biopsy Otis' liver, intestines, stomach and duodenum was the best course of action. The surgery, albeit quite expensive, went thankfully very smoothly. Based on the surgical findings, Otis was diagnosed with Inflammatory Bowel Disease.

From Otis' family...

Given that we were also looking at cancer, hepatitis, and cirrhosis of the liver as other possibilities, we were very relieved.

Treatment for IBD started immediately. Otis now has a new diet, a daily supplement, and a very small, once daily dose of medicine, and he's doing incredibly well. According to Reed and Scott, throughout the entire ordeal, Otis remained his sweet, cuddly and mild-mannered self, and we're certainly happy to hear that!

Otis' Policy

Reed and Scott chose to customize an Embrace policy, creating a plan which gives Otis a $10,000 Annual Maximum after meeting a low $100 Annual Deductible and 20% co-pay. For this IBD claim, Otis had already met the $100 deductible with previous claims so only the co-pay remained.

Otis' Claim Refund

Otis' IBD claim Amount
Actual Vet Bill $2,915.00
Annual Deductible Already Met
20% Co-pay -$583.00
Total Embrace Reimbursement $2,332.00

Regarding the claims process, from Otis' family...

The claims process is easy - with the pre-filled out forms, we are able to keep one on file for each of our dogs at the veterinarian's office. After every visit, the vet staff fills out the form, sends it in, and we get a response in a matter of days. If we have a question, [the] staff is cheerful, helpful, and quick to get an answer.