The advertised percentage is not always the percentage of the total bill.
Insurers generally calculate reimbursement from eligible covered expenses after applying the policy's deductible, reimbursement method, limits, and exclusions.
From treatment to reimbursement.
1. Receive care
The owner authorizes treatment and usually pays the veterinary clinic directly.
2. Submit documents
Provide the itemized invoice, claim form, and any requested medical records.
3. Coverage review
The insurer applies exclusions, eligible-expense rules, deductible, reimbursement percentage, and limits.
4. Explanation
The owner receives an explanation of benefits showing allowed, excluded, and reimbursed amounts.
5. Payment
Approved reimbursement is sent by the insurer's available payment method.
6. Appeal if needed
Follow the policy's appeal process and submit clarifying veterinary records when appropriate.
Educational and financial-information boundary
Felivis is not a veterinary clinic, insurance company, insurance agency, producer, broker, law firm, or financial adviser. This page provides general education and does not recommend a particular policy or determine whether a claim will be covered. Do not delay emergency veterinary care while reviewing insurance or payment information.
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