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我来update猫咪保险claim结果啦~~~(就是吃了铁片进ER的那只傻猫)

前情提要: https://forums.huaren.us/showtopic.aspx?topicid=2394906&forumpage=2


去年开始养猫,猫到家一段时间后买的保险,那时候他不到六个月。
我用的healthypaws,$250 deductible, 80% reimbursement的plan, 每月$24左右。

总共file了三个claim,十天process结束,最后算下来cover 70%。详细见下:

YOUR CLAIM REIMBURSEMENT CALCULATION

Claim Number:


Total Covered by Healthy Paws
$

622.00

Date of Service:

3/4/2019

Your Reimbursement Level

x

80%

For Invoice Number:



$

497.60

Invoice Amount:

$660.50

Apply Deductible

$

-0.00



Your Total Reimbursement

$

497.60



Remaining Annual Deductible

$

0.00





YOUR CLAIM REIMBURSEMENT CALCULATION

Claim Number:


Total Covered by Healthy Paws
$

1,176.26

Date of Service:

3/4/2019

Your Reimbursement Level

x

80%

For Invoice Number:



$

941.01

Invoice Amount:

$1,276.26

Apply Deductible

$

-204.40



Your Total Reimbursement

$

736.61



Remaining Annual Deductible

$

0.00




YOUR CLAIM REIMBURSEMENT CALCULATION

Claim Number:


Total Covered by Healthy Paws
$

1,851.80

Date of Service:

3/5/2019

Your Reimbursement Level

x

80%

For Invoice Number:



$

1,481.44

Invoice Amount:

$1,951.80

Apply Deductible

$

-0.00



Your Total Reimbursement

$

1,481.44



Remaining Annual Deductible

$

0.00



cover的项目:One or more of the following covered veterinary services
were noted on the itemized invoice:

  • Diagnostics (e.g. x-rays and blood work)
  • Surgeries and Surgical Supplies
  • Hospitalization
  • Prescription Medications
  • Rehabilitation and Acupuncture
  • Taxes on all covered Products and Services

不cover的项目:

  • Veterinary Exam/Exam Only

Exam费用一共是$81 + $100 + $100。

我本来今天想换个plan,把reimbursement level改成90%,结果发现保险公司的policy是一旦file过claim,如果想改plan,deductible只能变多,reimbursement level只能变低,早知道一开始我就买90%的plan了。如果要买宠物保险的mm们注意一下。

以及,如果有mm想买healthypaws保险的话我有referral (https://refer.healthypawspetinsurance.com/HuW344),我是拿不到钱的,但是healthypaws会donate $25,下面是copy他网站的信息:
Refer Your Friends & We'll Donate to Homeless Pets

Tell your friends about Healthy Paws! For every completed referral, we donate $25 on your behalf to help homeless pets. Together we can fight pet homelessness.

最后编辑azumiao 最后编辑于 2019-03-14 23:34:08
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2#

回复 2楼lansin的帖子

猫猫现在已经恢复健康,吃嘛嘛香~

我个人还是觉得保险值得买的,for peace of mind。而且万一真要去医院,动个手术就5000+了。有保险的话医生给了estimate就可以不用考虑权衡,直接说proceed。

当然我也看过公司同事的讨论帖,说买宠物保险还不如把钱存savings account。

还是看主人的性格吧。我不喜欢状况外的事情发生,更习惯plan ahead。
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3#

是啊,我当时花费已经快四千了,医生说有可能需要手术(再加五千),因为有保险所以没犹豫。不过最后不需要手术。
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4#

我已经收到healthypaws的四封邮件说 $25 has been donated on your behalf to help homeless pets

应该是楼里mm注册的结果~
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