Cancer Claim Example: Anal Sac Apocrine Gland Adenocarcinoma

Tyson, a mixed breed dog, was 8 years old when his owner noticed his anal glands appeared swollen. A quick visit to the vet found a 6 cm mass and a cell cytology showed uniform sheets of delicate neuroendocrine type cells indicating an Anal Sac Apocrine Gland Adenocarcinoma.

Follow on x-rays and ultrasound was done to determine if the cancer had metastasized (spread) internally but luckily, it did not appear it had done so, which is good news since this type of cancer spreads early and quickly.

Tyson's cancer specialists recommended aggressive treatment: surgery was performed to remove the mass and radiation therapy was administered over 20 sessions to (the cost of which alone was estimated to be $6,300 on his treatment pre-certification.)

The cost for this treatment was substantial as you can see below.

Diagnosis Claim Amount Covered Amount Paid Amount Total Paid Policy Term Date of Service From
Cytology of Mass on Hind Quarters 160.00 160.00 0.00 0.00 6/15/2009
Anal Sac Apocrine Gland Adenocarcinoma (Radiographs & Ultrasounds) 575.00 575.00 211.50 211.50 6/19/2009
Pre-Surgical Consult for Surgical Removal of Anal Sac Apocrine Gland Adenocarcenoma 110.00 110.00 99.00 310.50 6/24/2009
Surgical Removal of Anal Sac Apocrine Gland Adenocarcenoma / (prev. Pre-Cert) 1,800.20 1,800.20 1,620.18 1,930.68 6/26/2009
Post Surgery Anal Sac Removal Stitches and Medication 112.64 112.62 101.36 2,032.04 7/1/2009
Post Anal Sac Removal Surgery, Medications 59.00 59.00 53.10 2,085.14 7/6/2009
Consultation Exam for Radiation Treatments 120.00 120.00 108.00 2,193.14 7/9/2009
Radiation for Anal Sac Apocrine Gland Adenocarcinoma / previous pre-cert 1,124.50 1,124.50 1,012.05 3,205.19 7/20/2009
Radiation Treatment (wk 1 of 4) 2,009.00 2,009.00 1,808.10 5,013.29 7/31/2009
Radiation Treatment (wk 2 of 4) 1,151.60 1,151.60 1,036.44 6,049.73 8/7/2009
Radiation Treatments (wk 3 of 4) 1,172.00 1,172.00 1,054.80 7,104.53 8/14/2009
Radiation Treatement (wk 4 of 4) 1,067.50 1,067.50 960.75 8,065.28 8/17/2009
Post radiation exam 82.50 82.50 74.25 8,139.53 10/1/2009
re-check 3 month examination 67.50 67.50 60.75 8,200.28 1/11/2010

 

Embrace Pet Insurance Policy: $500 annual deductible; $10,000 annual maximum; 10% copay; prescription drugs covered. Annual premium $514.25

The majority of Tyson's cancer treatment costs came from treatment at a specialized cancer clinic in Dallas TX in 2009. The total cost of treatment was $9,611.44 with pet insurance reimbursement of $8,200.28 (=$9,611.44 - $500 deductible * (1 - 10% copay)).

According to an article in DVM360 on anal sac adenocarcinomas, Tyson's prognosis is fair, with a projected survival time of 19 months given the tumor was less than 10 cm and the absense of hypercalcemia. Sadly it is unlikely that Tyson's cancer it cured but the treatment has certainly given him a longer and better quality of life that if he had not had the treatment.

Sending positive thoughts Tyson's way...

While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.