VPI-VBMA-NAVC Veterinary Student Case Study Contest General

VPI-VBMA-NAVC Veterinary Student Case Study Contest
Introduction:
Veterinary Pet Insurance (VPI) and The North American Veterinary
Conference (NAVC) are happy to support VBMA organizations at veterinary
schools. We know that veterinary students learn best through case study
examples. Through our VPI-VBMA-NAVC Student Case Study Contest, we hope
to increase your business knowledge and understanding of the potential impact
pet insurance can have on your practice of veterinary medicine. NAVC would
like to encourage your dedication to lifetime learning, a skill that is essential to
your success as a practitioner.
The rewards of participating in the VPI-VBMA-NAVC Student Case Study
Competition are:
•
•
Develop critical thinking skills in evaluating and understanding the benefits of
a product or service, before recommending it or discussing it with future
clients.
Opportunity to expand your educational horizons by attending The North
American Veterinary Conference in Orlando, January 19 - 23, 2008.
www.tnavc.org
Contest Winner Receives:
o Airfare to Orlando, FL to attend The North American Veterinary
Conference, January 19 -23, 2008.
(Anticipated value $400; not to exceed $600.)
o Free registration at the conference (provided by NAVC)
o $600 spending money from VPI to use towards hotel and meals
o VPI sponsored evening reception while in Orlando
NOTE: If the 1st Place Winner cannot attend NAVC January 19 - 23, 2008
or has already scheduled their trip, VPI will substitute a $1000 VISA Gift
Card in lieu of the trip.
Contest Rules:
o One entry per veterinary student.
o Submissions must be forwarded by VBMA representative, in one
envelope as a collection of entries from your school. (Entries
that arrive independently will be discarded.)
o Entries must be submitted to VBMA representative no later than
Friday, October 12th.
o Entries will be judged based on accuracy of insurance
reimbursement calculation, extent of project complexity,
originality and presentation.
o Names of winners will be announced on Monday, November 12th
o Winners are responsible for hotel and meal expenses that exceed
$600 spending allowance.
o VPI and NAVC are not responsible or liable for student activities
during conference.
VPI-VBMA-NAVC Veterinary Student Case Study Contest
General Contest Instructions
SIX EASY STEPS:
1. Read VPI’s webpage: www.petinsurance.com and review materials
under the veterinary student tab: students.petinsurance.com
2. Find an old invoice for veterinary services you have paid in the past, or
obtain an old invoice from a friend, classmate, or family member. As
an alternative, you may obtain an estimate invoice from a small animal
hospital, or your VetMed Teaching Hospital. This invoice is Exhibit #1.
3. Write a brief summary (300 words or less) of the case. Please include
signalment and description of medical condition and treatment. This is
Exhibit #2.
4. Download a Claim Form from VPI’s website and complete the form.
This is Exhibit #3. Please be sure to include a true diagnosis; do not
substitute a procedure name for a diagnosis (e.g. A correct diagnosis
designation is “Femur Fracture LH. Please do not put a procedure
name like: “Radiographs”).
5. Work up the invoice as if it was a claim submitted to VPI. Assume pet
was covered by VPI’s Superior Plan with Pet WellCare Protection Plan.
Calculate the claim reimbursement amount and compare to amount a
regular client would pay the hospital. This is Exhibit #4.
6. Put Exhibits 1,2,3 and 4 in an envelope with your name legibly
written or typed on the front. Submit your entry to your VBMA
contest coordinator.
WORKING THE NUMBERS for ACCIDENTS, ILLNESS and INJURY:
1. VPI Superior Plan for Accidents, Illness, Injury:
a. Review policy statements and Benefit Schedule to determine
what is eligible. (e.g. FDA approved medications, laboratory
tests, etc. are eligible. Over-the-counter (OTC) drugs and nonveterinary services, such as food, E-collar, medical waste fees,
are not eligible.)
Make sure you are familiar with non-covered items such as
specific policy exclusions, and congenital/hereditary conditions.
For a list of conditions not covered go to the VPI website:
www.petinsurance.com and click on the “My Policy” tab.
2. How to read the Benefit Schedule:
a. Claims are paid based on the “allowance” for a specific
diagnosis. VPI’s Benefit Schedule is separated into columns A,
B, C, D, E:
Column A: Covers treatment for your primary diagnosis
(examination, hospitalization, bandage changes, medication,
procedure and/or surgery fees, etc.)
Column B: Diagnostic Testing (CBC, Chemistry profile,
radiographs, biopsy laboratory fee, etc.)
Column C: Anesthesia
Column D: Chemotherapy/Radiation
Column E: Secondary Diagnosis
b. Separate each line item for your primary diagnosis on your
invoice to category A, B, C, or D, and total for each category
c. Compare total in each respective category to the “allowance”
available for the disease.
d. Repeat this step for any secondary diagnoses (use only column
E allowances)
e. Repeat this step for any tertiary diagnoses (use only column E
allowances)
f. Add up amount to be reimbursed from Column A+B+C+D+E.
NOTE: you can never exceed the “allowance” or “ceiling”
number in each individual column.
g. Subtract $50 deductible, multiply remainder by 90%
h. This is the total amount to be reimbursed.
EXAMPLE CASE STUDY:
Minnie is a four month old female Domestic Shorthair; she was injured
(“hit-by-car”) one hour prior to presentation. Diagnosis was a simple mid-shaft
fracture of her left radius, with secondary cardiovascular compromise (“shock”)
and abrasions. Repair of the left radius was via IM Pin. Shock and abrasions
were treated as well.
SECONDARIES
VPI Superior Plan
Benefit Schedule
Claim work up for Minnie
Hind Leg Fracture (1°), Shock and Abrasions (2°)
Primary:
Office/Exam
Hospitalization
IM Pin
Injections
Medications, Rx
Radiographs
Pre-op
Post-op
Blood Chemistry
Anesthesia
Secondary:
Fluid Therapy, ICU
Clean/Debride
Total
Less deductible
Eligible expenses
Fees
40.00
120.00
375.00
66.00
45.00
135.00
49.00
95.00
Benefit
Allowance
646.00
797.00 (Tx)
184.00
225.00 (tests)
110.00 (Anesth)
130.00
143.00
44.00
51.00
1099.00
50.00
1049.00 (x .90) = Owner reimbursed $944.10
If you have questions, please call VPI’s Veterinary Service Center to speak
to one of our Veterinary Service Representatives:
866-VET-4VPI
866-838-4874
WORKING THE NUMBERS FOR WELLCARE:
2. Pet WellCare Protection Plan:
a. Claims pay flat amount for designated items below
b. No deductible
WellCare Protection Premier Coverage
WellCare Description
Wellness Exam (2 per year)
Vaccinations OR Titers
Heartworm Test
Felv/FIV Test OR
Heartworm Test (feline only)
Fecal Test
Deworming
Microchip
Flea and/or Heartworm
Preventative
X-Ray/Blood Screen/EKG
Urinalysis OR ERD
(Kidney Test)
Dental Cleaning OR
Spay/Neuter
Premier Care
Benefit
Annual Total
$30
$35
$30
$60
$35
$30
$30
$15
$20
$20
$30
$15
$20
$20
$50
$50
$50
$50
$20
$20
$100
$100
NO
DEDUCTIBLE
National Casualty Company
Home Office: 16 N. Carroll St., Suite 209, Madison, WI 53703-2783
Property/Casualty Division: 8877 N. Gainey Center Dr., Scottsdale, AZ 85258
800-423-7675 Fax 480-483-6752
DIRECT ALL INQUIRIES TO:
DVM INSURANCE AGENCY
3060 Saturn Street • Brea, CA 92821 • 800-540-2016 • 714-989-0555
DEFINITIONS
When used in the policy, "Plan E" shall mean Veterinary Pet Insurance Superior Plan.
When used in the policy, "we" or "us" shall mean National Casualty Company.
When used in the policy, "you" shall mean insured policyholder.
When used in the policy, "veterinarian" shall mean a properly licensed veterinarian.
When used in the policy, "veterinary services" shall mean from a licensed veterinarian.
INSURING CLAUSE
By payment of the premium when due, we will pay you incurred policy benefits as listed under "Benefit
Provisions." We will pay only those veterinary services incurred during the policy term. Benefits are paid
subject to all the policy exclusions and conditions.
EFFECTIVE DATE
The policy will be in effect at the time and date shown on the declaration page.
For Plan E, the effective date will be not less than 14 days after we accept the application.
BENEFIT PROVISIONS - PLAN E
We will pay 90% of the current Superior Plan Veterinary Services Benefit Schedule as established
and published per incident during each policy term after the deductible for eligible expenses submitted.
We pay all claims according to the enclosed Benefit Schedule. If the medical charges exceed the
Superior Plan Veterinary Services Benefit Schedule, such excess is not paid. The excess amount will
not be included in computing the deductibles or any benefits. Payments are subject to general exclusions,
conditions, deductibles and any endorsements.
Benefits are paid for necessary veterinary medical services incurred for accidental injury or illness.
The accident or illness and treatments must take place within the policy term.
DEDUCTIBLE
The appropriate deductible shall apply for each accident or illness during the policy term.
CONDITIONS APPLICABLE TO PLAN E
The payments are limited to a maximum of $4,500 per accident or illness and a maximum of $14,000
for each policy term.
During the first 12 calendar months of policy effectiveness, no coverage will be extended for the
diagnosis, medical management or surgical correction of anterior cruciate ligament (ACL) damage or rupture.
Other Insurance - This insurance is excess over any other pet insurance policy. We will issue and honor only one
policy per pet per policy term.
Leukemia insurance for cats may be made effective after a negative FeLV test and proper vaccination.
This policy will not provide payment for accidental injury or illness caused directly or indirectly by: a)
enemy attack by armed forces, with or without a state of war, including actions taken in resisting that
attack; b) insurrection; c) rebellion; d) revolution; e) invasion; f) civil war; g) illegal acts; h) usurped
power; i) nuclear radioactive contamination.
TRANSFER OF POLICY
All transfers are subject to a new application and to underwriting rules.
TERMINATION OF INSURANCE
The policy will lapse on failure to prepay the renewal premium.
We may cancel the policy by giving 45 days written notice to you at the address shown on the declaration page.
You may cancel by notifying us in writing.
Unearned premium refund if we cancel is pro-rate, unearned premium refund if you cancel is 90% pro-rate.
©2002 Veterinary Pet Insurance Company VS-21 (8-02)
EXCLUSIONS
This policy will not pay for:
* Injury or illness contracted, manifested or incurred prior to the policy effective date, unless such injury or
illness has been cured and there has not been a reoccurrence or manifestation of the injury or illness requiring
treatment. Support documentation from a licensed veterinarian must be submitted to us for consideration of
removal of any medical exclusion.
* Congenital or hereditary defects or diseases - such as patellar luxation. (As referenced in current veterinary
literature such as Current Veterinary Therapy-Kirk, Medical and Genetic Aspects of Purebred Dogs-Clark
and Textbook of Small Animal Internal Medicine-Ettinger, Feldman) -[Benefits available by endorsement
with acceptance of additional premium]
* Elective procedures, cosmetic surgeries, including but not limited to tail docking, dewclaws, skin folds, and
nail trims.
* Expression or removal of anal glands or anal sacculitis.
* Breeding or conditions relating to breeding.
* Special diets, pet foods, vitamins, mineral supplements, boarding or transport expenses, grooming costs and
bathing.(including medicated baths).
* Diseases preventable by vaccines (unless administered by a veterinarian), within the protocol as defined in
the text of the book Current Veterinary Therapy.
* Behavioral problems, training or therapy.
* Internal or external parasites such as fleas, heartworms or roundworms.
* Orthodontics, endodontics and removal of deciduous teeth.
* Diagnostic test(s) and treatment(s) for conditions excluded or limited by this policy and complications of
conditions excluded or limited by this policy.
* Routine examinations, vaccines, teeth cleaning or polishing. - [Benefits available by endorsement with
acceptance of additional premium]
* Preventive treatments and diagnostics for or conditions relating to parasites including heartworms. - [Benefits
available by endorsement with acceptance of additional premium]
* Spaying and neutering (surgical removal of reproductive organs). - [Benefits available by endorsement with
acceptance of additional premium]
LIBERALIZATION
If we revise the policy form, the provisions, exclusions, conditions, endorsements or rules whereby the
insurance is extended or broadened without any additional premium, this policy will be so extended or
broadened.
REVIEW
If any claim is denied, you or the attending veterinarian may request a review.
The request must be in writing.
The request must be received by us within 60 days of the denial.
A professional committee of veterinarians will conduct the review.
INSURED'S DUTIES
Fully completed claim forms must be submitted to us within 180 days of the treatment date.
The actual itemized receipts must be presented (photocopies not accepted).
You agree to obtain or release all medical records to support claims upon request.
You authorize the company to obtain all medical records to support the claim.
You agree to submit the pet to examination by our selected, qualified veterinarians.
You agree to use all means to protect the pet from aggravation of the injury or illness.
Upon payment of benefits, we will be subrogated to your rights of recovery.
DECLARATIONS
By accepting this policy, you agree that all the statements in the application and the declaration are true
and no medical condition(s) has been withheld.
You affirm that the policy and the endorsements are the entire and only agreements between you and us.
CONCEALMENT, FRAUD
The entire policy shall be terminable if you have willfully concealed or misrepresented any material fact
concerning this insurance or the subject thereof, or any fraud or false swearing relating thereto.
Secretary
President
(Effective 8/1/02 - subject to change)
Column A is the benefit limit for the Primary Diagnosis or Condition. This
includes exam, injections, hospitalization, treatment, surgery.
Column B is the benefit limit for the Primary Diagnostic Testing Maximums listed
for the system the diagnosis is under Specialized Diagnostic Test allowance as
listed at the end of this schedule may also be eligible for coverage.
Column C is the benefit limit for General Anesthesia as it relates to the primary
diagnosis.
Column D is the benefit allowance limit for Chemotherapy and Radiation
treatment as it relates to the primary diagnosis.
Column E is the benefit limit for the condition if it is treated as a Secondary
Diagnosis or Condition, concurrently with the Primary Diagnosis or
Condition.
Code Diagnosis
1251
1255
1256
1257
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
l
(Pr um
n
Te ima B
stin ry
g A Diag
llow no
an stic
Co
ce*
(Pr lum
*)
All ima n C
ow ry
an An
ce) est
he
C
sia
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
th e
rap
(S olum
y/
All econ n E
ow da
an ry
ces Dia
)
gn
osi
s
VETERINARY PET INSURANCE
SUPERIOR PLAN
VETERINARY SERVICES
BENEFIT SCHEDULE
Megacolon-Acquired Medical
Neoplasia/Colectomy Surgical
Rectal Polyps Surgical/Endoscopy
Rectal Prolapse Medical
175
616
167
229
236
236
236
236
––
—
125 300/1200*
95
—
74
—
122
368
89
160
$241
306
600
365
100
$152
152
152
152
152
$––
$—
$169
100
—
189
110
—
420
95 300/1200* 256
79
—
52
$388
166
835
$205
205
205
$––
––
100
$1000
245
1200
900
$196
196
196
196
$94
$—
$394
––
—
172
125
—
394
125 300/1200* 630
$225
279
665
789
860
—
$184
184
184
184
184
184
$74
$—
$158
––
—
195
115 300/1200* 466
115
—
552
115
—
602
—
—
105
$141
154
275
97
73
163
116
107
$131
131
131
131
131
131
131
131
$74
74
95
74
––
84
––
––
$—
—
—
—
—
—
—
—
$99
108
192
68
51
114
81
75
$96
94
91
100
109
88
108
69
113
150
202
127
94
116
350
126
133
399
561
270
134
$168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
168
$––
––
––
––
70
––
––
––
––
80
––
––
––
––
105
85
80
105
124
100
80
$—
—
—
—
—
—
—
—
—
—
—
—
—
—
300/1200*
—
—
300/1200*
300/1200*
300/1200*
––
$48
66
64
70
76
62
76
48
79
105
141
89
66
81
245
88
93
279
393
135
94
$119
108
158
195
395
310
100
203
1200
$163
163
163
163
163
163
163
163
163
$80
$—
––
—
––
—
100
—
90 300/1200*
85
—
––
—
85
—
125
—
$83
76
111
136
276
184
70
142
840
$80
158
$163
163
$74
74
$56
94
Perineal Disorders
1262
1263
1264
1265
1266
Perianal Fistula Medical
Perianal Fistula Surgical
Perineal Hernia Surgical
Perineal/Anal Sac Neoplasia
Perineal Hygroma
Exocrine Pancreatic Disorders
Code Diagnosis
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
l
(Pr um
n
Te ima B
stin ry
g A Diag
llow no
an stic
Co
ce*
(P lum
*)
All rima n C
ow ry
an An
ce) est
he
C
sia
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
the
rap
(S olum
y/
All econ n E
ow da
an ry
ces Dia
)
gn
osi
s
Fee Schedule
CARDIOVASCULAR SYSTEM (1100)
1101
1102
1103
1104
1105
1106
1107
1108
1109
1110
1111
1114
1115
Arrhythmia/Syncope
$159
Arterial Thromboembolism
370
Cardiomyopathy
216
Neoplasia Heart & Pericardium Surgical 430
Myocarditis-Endocarditis
182
Pericardial Effusion
380
Congestive Heart Failure
238
Valvular Heart Disease
111
Neoplasia (Peripheral Vessels)
294
Cardiac Arrest
180
Cardiovascular Collapse (Shock)
204
Pacemaker
1400
Hypertension
103
$––
$—
$111
––
—
259
––
—
151
125 300/1200* 301
––
—
127
79
—
266
––
—
167
––
—
78
79 300/1200* 206
––
—
126
––
—
143
210
—
980
––
––
72
$395
143
181
1200
700
609
682
$236
236
236
236
236
236
236
$––
$—
$276
––
—
100
79
—
126
125
—
840
125 300/1200* 497
—
—
426
100
—
495
$231
884
524
381
––
$236
236
236
236
236
$––
$—
$162
125
—
619
100 300/1200* 367
89
—
267
79
—
405
$140
936
121
324
1617
799
337
700
130
352
$236
236
236
236
236
236
236
236
236
236
$––
$—
$98
123
—
655
––
—
85
120
—
227
140
—
1132
120 300/1200* 559
––
—
236
100
—
195
––
—
63
––
––
246
Endotoxic Shock
$378
Enteritis
83
Foreign Body Medical
205
Foreign Body Surgical
1018
Intussusception Surgical
900
Neoplasia Surgical
870
Intestinal Resection
1200
IBD/Lymphangiectasia (Biopsy required) 342
$236
236
236
236
236
236
236
236
$––
$—
$265
––
—
58
––
—
85
109
—
713
125
—
630
110 300/1200* 609
125
—
840
95
—
239
Esophageal Disorders
Acquired Achalasia
Esophagitis
Foreign Body Endoscopy
Foreign Body Surgical
Neoplasia Surgical
Megaesophagus Medical
Megaesophagus Surgical
Abdominal Wall Disorders
1211
1212
1213
1214
1217
Peritonitis Medical
Peritonitis Surgical
Peritoneal Neoplasia Surgical
Trauma-Herniation
Exploratory Surgical
Stomach Disorders
1220
1221
1222
1223
1224
1225
1226
1227
1228
1230
Foreign Body Medical
Foreign Body Surgical
Gastritis
Gastric Dilatation Medical
Gastric Torsion Surgical
Neoplasia Surgical
Gastric Ulcer
Pyloric Stenosis Surgical
Pyloric Stenosis Medical
HGE
Small Intestine Disorders
1240
1241
1242
1243
1244
1246
1248
1249
$272
116
394
Gall Bladder Disorders
1280
1281
1282
1283
Choleliths Surgical
Cholangitis
Ruptured Bile Duct Surgical
Neoplasia Surgical
1290
1291
1292
1293
1294
1297
Hepatitis/Lipidosis
Cirrhosis
Neoplasia Surgical
Hepatic Abscess Surgical
Trauma Surgical
Hepatic Encephalopathy
DERMATOLOGY (1300)
Wounds
1301
1302
1303
1304
1305
1306
1307
1308
Foreign Body
Laceration/Bite Wound
Lacerations (Multiple)/Bite Wounds
Puncture
Abrasion
Abscess/Granuloma
Burn
Seroma
Dermatoses
1320
1321
1322
1323
1324
1325
1326
1327
1328
1329
1331
1332
1333
1335
1336
1337
1342
1343
1344
1345
1346
Acanthosis Nigricans
Acne/Cellulitis
Atopic/Allergic Dermatitis
Dermatomycosis/Dermatophytosis
Dermal Cyst
Endocrine Alopecia/Miliary Dermatitis
Pyoderma/Hot Spot
Seborrhea
Lick Granuloma
Neoplasia (Benign)
Immune Mediated/Pemphigus
Eosinophilic Ulcer/Granuloma
Allergic Reaction/Dermatitis
Folliculitis/Calcinosis
Mast Cell Tumor/Squamous Cell Carcinoma
Lipoma/Adenoma
Histiocytoma
Fibrosarcoma, Melanoma, Plasmacytoma
Hemangiopericytoma/Hemangiosarcoma
Feline Fibrosarcoma
Paronychia/Onchomycosis
RESPIRATORY SYSTEM (1400)
Upper Airway
1401
1402
1404
1405
1406
1407
1408
1409
1410
Foreign Bodies
Tonsillitis
Laryngeal Edema
Trauma
Neoplasia Surgical/Endoscopy
Tonsillectomy
Laryngitis
Laryngeal Paralysis Medical
Laryngeal Paralysis Surgical
Trachea
Large Intestine Disorders
1250 Colitis
$—
—
—
Hepatic Disorders
$315
315
315
315
315
315
315
315
315
315
315
315
315
DIGESTIVE SYSTEM (1200)
1201
1202
1203
1205
1207
1208
1209
1270 Pancreatitis
1271 Exocrine Pancreatic Insufficiency
1274 Pancreatic Abscess Surgical
$98
$236
$––
$—
$69
1420 Tracheitis
1423 Foreign Body Surgical
$—
—
*Chemotherapy/radiation treatment(s) may be eligible for coverage at a rate of $300 per treatment up to a maximum of $1200. Histopathology report required.
**Specialized Diagnostic Test allowances as listed on this schedule may also be eligible for additional benefits. This allowance is in addition to the maximum Diagnostic Allowances as listed for each diagnosis.
VS-20 (8-02)
SUPERIOR PLAN BENEFIT SCHEDULE – PAGE 1
1425 Trauma
1427 Neoplasia Medical
1428 Neoplasia Surgical
175
262
525
163
163
163
$490
241
110
412
1060
1100
425
1400
975
682
360
95
292
1600
$163
163
163
163
163
163
163
163
163
163
163
163
163
163
95
—
–– 300/1200*
115 300/1200*
122
142
352
Thorax
1440
1441
1442
1444
1445
1446
1447
1448
1449
1450
1451
1452
1453
1454
Trauma
Pulmonary Edema
Bronchitis / Asthma
Pleural Effusion
Neoplasia Surgical
Diaphragmatic Hernia Surgical
Pneumonia
Lung Torsion Surgical
Pneumothorax
Foreign Body Surgical
Mediastinal Disease
Tracheobronchitis
Neoplasia Medical
Pyothorax/Chylothorax
$95
$—
$343
––
—
169
––
—
77
89
—
288
135 300/1200* 742
135
—
404
––
—
298
130
—
624
130
—
682
100
—
404
––
—
252
––
—
66
–– 300/1200* 204
120
––
1120
Code Diagnosis
1651
1652
1653
1654
1655
1656
1657
Snakebite
Near Drowning
Heat Stroke (Hyperthermia)
Hypothermia
Frostbite
Electric Shock
Hypoglycemia
Vaginal Disorders
Bladder
$100
131
194
340
$136
136
136
136
$––
$—
85
—
92
—
110 300/1200*
$70
52
105
176
$175
560
273
210
$136
136
136
136
$––
$—
110
—
90
—
90 300/1200*
$74
392
142
120
$86
305
500
175
$136
136
136
136
$––
$—
100 300/1200*
120 300/1200*
80
—
$74
214
350
122
$175
175
175
$136
136
136
$80 $300/1200* $122
80
—
122
80
—
122
$80
96
186
121
89
$136
136
136
136
136
$––
$—
74
—
74 300/1200*
79
—
––
—
$581
181
175
$136
136
136
Uterine Disorders
1510
1511
1512
1513
Metritis Medical
Pyometra Surgical
Prolapse Surgical
Uterine/Ovarian Neoplasia
Mammary Gland Disorders
1520
1521
1522
1526
Mastitis
Mastectomy -Partial
Mastectomy -Radical
Lumpectomy
Testicular Disorders
1530 Neoplasia Surgical
1531 Orchitis/Epididymitis
1532 Torsion Surgical
Disorders of the Penis & Prepuce
1540
1541
1542
1543
1544
Paraphimosis
Trauma
Neoplasia Surgical
Foreign Body Surgical
Balanoposthitis
$52
68
133
85
62
Disorders of the Prostate
1550 Neoplasia Surgical
1551 Prostatitis Medical
1552 Prostatitis -Surgical-Castration
$105 $300/1200* $407
––
—
127
80
—
122
CHEMICAL AND PHYSICAL DISORDERS (1600)
Poisoning
1601
1602
1603
1604
1605
1606
1607
1608
1609
1610
1611
1612
1613
1615
Metaldehyde
Strychnine
Ethylene Glycol (Antifreeze)
Organophosphate (Carbamate)
Rodenticide Toxicity
Household Chemicals
Drug Reactions/Toxicity
Toad Poisoning
Plant Poisoning
Walnut Poisoning
Drug Overdose
Methylxanthine
Alcohol Toxicity
Heavy Metals (Lead/Zinc)
$356
200
281
246
248
162
197
205
181
232
296
169
280
446
$147
147
147
147
147
147
147
147
147
147
147
147
147
147
$80
74
––
––
––
––
––
––
––
––
––
74
––
––
$—
—
—
—
—
—
—
—
—
—
—
—
—
—
$142
142
185
172
174
113
138
124
127
168
207
78
126
312
$102
$147
$––
$—
$71
Physical Disorders
1650 Insect Bites & Stings
147
147
147
147
147
147
147
90
––
––
––
74
––
––
—
—
—
—
—
—
––
247
92
213
84
105
89
130
$232
180
457
1200
383
1465
285
103
291
$173
173
173
173
173
173
173
173
173
$––
$—
$155
––
—
126
110 300/1200* 320
156
—
840
95
—
268
120
—
821
—
—
200
––
—
72
––
—
204
$668
97
760
595
157
81
125
$173
173
173
173
173
173
173
$110
$—
$468
—
—
68
110
—
532
110 300/1200* 416
74
—
110
––
—
57
––
—
88
$586
209
1100
572
$173
173
173
173
$105
$—
$410
––
—
146
120
—
770
90 300/1200* 400
$123
89
468
240
102
324
181
440
320
178
385
430
326
278
354
113
126
87
165
$165
165
165
165
165
165
165
165
165
165
165
165
165
165
165
165
165
165
165
$––
––
––
––
––
––
––
––
––
—
––
—
—
––
—
––
––
––
––
$199
91
105
67
121
480
116
377
685
146
192
506
1016
890
221
470
141
134
346
438
690
350
110
127
198
$105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
$85 $300/1200* $139
––
—
64
––
—
74
––
—
47
––
—
85
100
—
236
80
—
81
84
—
264
86
—
480
––
—
102
––
—
134
100
—
354
120
—
711
110
—
623
90
—
142
110
—
329
80
—
99
80
—
94
––
––
242
100
—
307
100
—
310
110 300/1200* 276
––
—
77
80
—
89
––
—
139
Kidney
REPRODUCTIVE SYSTEM (1500)
Vaginitis
Vaginal Foreign Body Surgical
Trauma
Neoplasia Surgical
588
163
304
120
310
132
189
URINARY SYSTEM (1700)
1701
1703
1706
1707
1709
1715
1716
1717
1718
1501
1504
1505
1506
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
(Pr lum
Te ima n B
stin ry
g A Diag
llow no
an stic
C
ce*
(Prolum
*)
All ima n C
ow ry
an An
ce) est
h
esi
C
a
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
th e
rap
(S olum
y/
All econ n E
ow da
an ry
ces Dia
)
gn
osi
s
Code Diagnosis
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
l
(Pr um
n
Te ima B
stin ry
g A Diag
llow no
an stic
Co
ce*
(Pr lum
*)
All ima n C
ow ry
an An
ce) est
he
C
sia
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
th e
rap
(S olum
y/
All econ n E
ow da
an ry
ces Dia
)
gn
osi
s
Continued from page 1
1801
1802
1803
1804
1805
1806
1809
Nephrolithiasis Medical
Nephrotic Syndrome/Uremia
Neoplasia Surgical Biopsy
Nephrectomy
Glomerulonephritis (Biopsy required)
Kidney Transplant
Chronic Renal Failure/Pyelonephritis
Hypertension
Acute Renal Failure
Urolithiasis Surgical
Cystitis
Trauma (Ruptured Bladder)
Neoplasia
Feline Lower Urinary Tract Disease
Urinary Incontinence/Atonic Bladder
Urolithiasis Medical
Urethra
1901
1902
1903
1905
Urethrolithiasis Surgical
Trauma/Urethritis
Perineal Urethrostomy
Neoplasia
INFECTIOUS DISEASES (2000)
2001
2002
2003
2005
2006
2007
2008
2009
2010
2013
2014
2015
2016
2017
2019
2020
2021
2023
2039
Papillomatosis
Salmonellosis/Clostridiasis
Parvovirus
Canine Coronavirus
Feline Upper Respiratory Infection
FIP
Hemobartonella
Panleukopenia
Canine Distemper
Brucellosis/Tuberculosis
Leptospirosis
Tetanus
Botulism
Systemic Mycosis/Valley Fever
Feline Leukemia/FIV
Fever (Unknown Origin)
Rickettsial
Lyme Disease
Herpes Virus
$—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
––
$86
62
328
119
71
250
127
198
192
89
270
247
195
195
248
79
88
61
116
OPHTHALMOLOGY (2100)
2102
2105
2106
2107
2108
2109
2110
2111
2112
2114
2115
2116
2117
2118
2119
2120
2121
2122
2123
2126
2127
2129
2131
2132
2134
Eyelid Neoplasia Surgical
Plugged Tear Duct
Corneal Edema
Conjunctivitis
Keratitis Sicca Medical
Keratitis Sicca Surgical
Corneal Ulcer Medical
Corneal Ulcer Surgical
Descemetocele Surgical
Iritis/Uveitis Or Retinitis
Glaucoma Medical
Glaucoma Surgical
Cataract Surgical
Lens Luxation Surgical
Retrobulbar Abscess
Iris Prolapse Surgical
Foreign Body
Meibomian Cyst
Proptosed Eye
Enucleation
Keratectomy
Neoplasia Surgical
Blepharitis/Episcleritis
Trauma
Retinal Detachment Medical
Continued
*Chemotherapy/radiation treatment(s) may be eligible for coverage at a rate of $300 per treatment up to a maximum of $1200. Histopathology report required.
**Specialized Diagnostic Test allowances as listed on this schedule may also be eligible for additional benefits. This allowance is in addition to the maximum Diagnostic Allowances as listed for each diagnosis.
VS- 20 (8-02)
SUPERIOR PLAN BENEFIT SCHEDULE – PAGE 2
2135 Retinal Degeneration
2136 Cataract Medical
2137 Retinal Detachment Surgical
139
117
315
105
105
105
Coon Dog Paralysis
$422
Degenerative Myelopathy
254
Encephalitis-Meningitis
473
Epilepsy
116
Intervertebral Disc Disease Medical
161
Intervertebral Disc Disease Fenestration 975
Intervertebral Disc Disease
1875
Trauma
290
Stroke
310
Neuritis (Peripheral Nerve/Horner’s Syndrome)188
Neoplasia Medical
477
Cauda Equina Syndrome Surgical
1489
Diskospondylitis/Cauda Equina Medical 225
Fibrocartilagenous Emboli
561
Vestibular Syndrome
283
Myasthenia Gravis
796
Neoplasia Surgical
1299
Progressive Ataxia
135
Degenerative Encephalopathy
125
$210
210
210
210
210
210
210
210
210
210
210
210
210
210
210
210
210
210
210
––
––
85
—
—
—
97
82
178
NEUROLOGY (2200)
2202
2203
2204
2205
2206
2207
2208
2210
2211
2213
2215
2216
2217
2220
2221
2222
2223
2227
2228
$—
$—
$253
––
—
178
––
—
331
––
—
81
––
—
113
154
—
682
253
—
1312
90
—
203
––
—
217
––
—
132
–– 300/1200* 334
126
—
893
80
—
158
90
—
268
––
—
198
––
—
168
201 300/1200* 909
––
—
94
––
—
88
Auricular Hematoma
Solar Dermatitis
Trauma
Neoplasia Surgical
Otitis Externa
Otitis Media/Interna Medical
Otitis Media/Interna Surgical
Foreign Body
Lateral Ear Resection
Ablation
Neoplasia Internal Ear Canal Surgical
Hearing Aid
$268
116
167
175
94
187
300
115
624
1056
300
310
$79
79
79
79
79
79
79
79
79
79
79
79
$90
$—
$188
––
—
54
80
—
117
85 300/1200* 122
80
—
66
80
—
131
85
—
210
80
—
80
100
—
437
151
—
739
90 300/1200* 210
89
—
226
Rhinitis/Sinusitis
Foreign Bodies
Trauma
Neoplasia Surgical
$103
137
135
481
$126
126
126
126
$74
$—
90
—
75
—
100 300/1200*
$72
96
94
337
$108
176
246
147
98
161
157
245
111
502
263
92
210
94
186
$126
126
126
126
126
126
126
126
126
126
126
126
126
126
126
$75
$—
85
—
90 300/1200*
80
—
75
—
75
—
75
—
75
—
––
—
110
—
95
—
––
––
89
––
75
––
80
––
$76
123
172
103
69
113
110
111
78
351
184
64
147
66
130
ORAL CAVITY (2500)
2502
2503
2504
2505
2506
2507
2508
2509
2510
2511
2512
2513
2514
2520
2521
Tooth Abscess
Carnassial Abscess/Canine Tooth
Neoplasia
Trauma
Foreign Body
Tongue Laceration
Retropharyngeal Foreign Body
Mandible Luxation
Ulcerative Stomatitis
Root Canal
Oronasal Fistula
Periodontitis Medical
Periodontitis Surgical
Feline Odontoclastic Disease
Benign Oral Neoplasia
SALIVARY GLAND (2600)
2601
2602
2604
2605
Sialocele Medical
Sialocele Surgical
Neoplasia Surgical
Abscess
$113
430
614
247
$158
158
158
158
$––
$—
95
—
120 300/1200*
86
—
$79
257
289
94
Cruciate Rupture Medical
Cruciate Rupture Surgical
Luxation-Elbow Closed Reduction
Luxation-Elbow Surgical
Luxation-Hip Closed Reduction
Luxation-Hip Surgical
Myositis
Osteoarthritis
Osteomyelitis Medical
Osteomyelitis Surgical
Spondylosis
290
849
356
952
76
173
144
92
513
95
909
158
304
380
111
124
424
810
1100
155
400
880
411
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
152
100
110
––
120
––
––
75
––
100
––
110
80
75
90
75
––
97
120
120
––
95
141
100
—
—
300/1200*
300/1200*
—
—
—
—
300/1200*
—
—
—
—
—
—
—
—
300/1200*
300/1200*
—
—
300/1200*
—
203
594
249
488
53
121
101
64
359
66
636
111
213
266
78
87
297
567
770
108
315
616
288
$355
210
247
$225
225
225
$––
––
—
$—
—
—
$––
147
100
$487
598
774
640
$225
225
225
225
$90
100
110
94
—
—
—
—
$341
394
542
420
$149
245
251
$225
225
225
$75
75
80
$—
—
—
$104
172
176
$797
1425
1325
1105
—
$225
225
225
225
225
$110
202
151
110
—
$—
—
—
—
—
$558
998
546
430
210
$279
$225
$––
$—
$––
$700
1800
1190
$225
225
225
$103
130
100
$—
—
—
$490
704
609
FRACTURES (2800)
2801 Cage Rest
2802 Bandage
2803 Sling
Surgical
2811
2812
2813
2814
Wire
Pin or K Wire
Plate
Kirshner Apparatus
2820 Bandage (Rbt Jones/Temporary)
2821 Splint
2822 Cast
Surgical
2830
2831
2832
2833
2834
IM Pin
Plate
Kirshner Apparatus
Radius Curvus Surgical
Bone Graft
Pelvis & Vertebrae
Non-Surgical
2840 Cage Rest
Surgical
2850 IM Pins/Wire/Screws
2851 Plate
2852 Kirshner Apparatus
Carpus, Metacarpus, Tarsus, Metatarsus, Phalanges
Non-Surgical
2860 Bandage
2861 Cast or Splint
$117
209
$225
225
$––
75
$—
—
$82
146
$956
1140
$225
225
$110
131
$—
—
$669
798
$322
746
$268
268
Surgical
MUSCULOSKELETAL (2700)
2701
2702
2704
2705
2706
2708
2710
2711
2715
2716
2717
Tendon Rupture (Cast)
Tendon Rupture Surgical
Osteogenic Sarcoma Medical
Osteogenic Sarcoma Surgical
Sprain
Bone Cyst Medical
Foreign Body-Foot
Panosteitis/HOD
Neoplasia-Muscle Surgical
Soft Tissue Trauma
Femoral Head Ostectomy
Dewclaw Amputation (non-elective)
Tail Amputation
Toe Amputation
Torn Nail
Hygroma Medical
Hygroma Surgical
Fore Leg Amputation
Rear Leg Amputation
Synovitis
Shoulder Luxation Surgical
Neoplasia Jaw (Mandibulectomy)
Bone Fragment Joint Surgical
Humerus, Femur, Radius, Ulna, Tibia
Non-Surgical
NASAL CAVITY (2400)
2401
2403
2404
2406
2720
2721
2722
2723
2724
2725
2726
2727
2728
2729
2730
2731
2732
2733
2734
2735
2736
2737
2738
2739
2740
2741
2742
Skull, Jaw, Scapula, Rib, Patella
Non-Surgical
EAR (2300)
2301
2302
2303
2304
2305
2306
2307
2308
2309
2310
2311
2313
Code Diagnosis
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
l
u
(Pr m
n
i
Te ma B
stin ry
g A Diag
llow no
an stic
Co
ce*
l
u
(Pr m
*)
n
All ima C
ow ry
an An
ce) est
he
C
sia
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
th e
rap
(Seolum
y/
All con n E
ow da
an ry
ces Dia
)
gn
osi
s
Code Diagnosis
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
l
u
(Pr m
n
Te ima B
stin ry
g A Diag
llow no
an stic
Co
ce*
l
(Pr um
*)
n
All ima C
ow ry
an An
ce) est
he
C
sia
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
th e
rap
(S olum
y/
All econ n E
ow da
an ry
ces Dia
)
gn
osi
s
Continued from page 2
$110
1207
312
525
252
900
159
132
250
571
138
$152
152
152
152
152
152
152
152
152
152
152
$75
125
75
100
85
123
––
––
––
101
––
$—
—
—
—
—
—
—
—
—
—
—
$77
845
218
176
176
630
111
92
175
400
97
2870 Pins/Wires/Screws
2871 Plate Arthrodesis
ENDOCRINOLOGY (2900)
Adrenal
2902 Addison's Disease
2903 Neoplasia Surgical
$––
$—
$225
110 300/1200* 522
Continued
*Chemotherapy/radiation treatment(s) may be eligible for coverage at a rate of $300 per treatment up to a maximum of $1200. Histopathology report required.
**Specialized Diagnostic Test allowances as listed on this schedule may also be eligible for additional benefits. This allowance is in addition to the maximum Diagnostic Allowances as listed for each diagnosis.
VS-20 (8-02)
SUPERIOR PLAN BENEFIT SCHEDULE – PAGE 3
Code Diagnosis
C
(P olum
All rima n A
ow ry
an Dia
ces gn
osi
)
s
Co
l
u
(Pr m
n
i
Te ma B
stin ry
g A Diag
llow no
an stic
Co
ce*
l
u
(Pr m
*)
n
All ima C
ow ry
an An
ce) est
he
C
sia
(P olum
Ra rima n D
dia ry C
tion he
*) mo
C
th e
rap
(Seolum
y/
All con n E
ow da
an ry
ces Dia
)
gn
osi
s
Continued from page 3
Thyroid
2920
2921
2922
2923
Hypothyroidism
Hyperthyroidism
Neoplasia Surgical
Hyperthyroidism (I-131)
$72
129
442
880
$268
268
268
268
$––
$—
––
—
90 300/1200*
100
—
$50
90
309
348
$300
193
614
$268
268
268
$––
$—
$210
––
—
135
98 300/1200* 350
$300
797
$268
268
$––
$—
$210
100 300/1200* 558
$196
193
$268
268
$––
––
Parathyroid
2940 Hyperparathyroidism
2942 Hypoparathyroidism
2943 Parathyroid Neoplasia
Pancreas (Endocrine)
2950 Diabetes Mellitus
2951 Islet Cell Tumor Surgical
Pituitary
2960 Diabetes Insipidus
2961 Cushing's Disease
$—
—
$137
135
BLOOD DISORDERS (3000)
Blood Cell Disorders
3001
3003
3004
3005
3006
3007
3008
3009
3010
3011
3014
Immune Mediated Hemolytic Anemia
Heinz-Body Anemia
Anemia of Chronic Disease
Aplastic - Hypoplastic Anemia
Drug Induced Anemia
Myeloproliferative Disorders
Lymphocytic Leukemia
Septicemia
Immune Mediated Neutropenia
Transfusion
Multiple Myeloma
$692
210
139
366
240
442
385
362
409
—
378
$200
200
200
200
200
200
200
200
200
200
200
$––
$—
$484
—
—
157
––
—
97
74
—
256
—
—
136
179
—
309
74 300/1200* 270
––
—
253
74
—
200
—
—
190
74 300/1200* 265
$325
331
242
$200
188
200
$––
––
––
$159
188
528
1400
$200
200
200
200
$74
$—
$111
74
$—
132
100 300/1200* 370
74 300/1200* 980
$807
807
890
154
801
$160
160
160
160
160
$120
$—
$336
100
—
565
112
––
623
––
—
108
100 300/1200* 561
$166
240
264
$90
90
90
$79
––
––
$—
—
—
$116
168
185
$—
$––
$—
$—
$74
Fluid Analysis
Fungal Culture
Histopathology
Immune Panel
Ionized Calcium
Nerve Conduction Velocity/EMG
Parvovirus/Distemper Serum Titer
Polymerase Chain Reaction (PCR)
Reticulocyte Count / Platelet Count/Buffy Coat
Serial Glucose Curve
Serum Protein Electrophoresis
Single Chemistry Test
Special Tissue Staining (Gram, Acid )
T3-T4 or T4 Pre & Post TSH
Tonometry
Tryglycerides/Cholesterol
Urinalysis
Western Blot
Fructosamine/Glycosylated HGB
Fungal/Rickettsial Titer
Hormones (ACTH, PTH, Progesterone, Etc.)
Insulin Level
NA+ / K+ / Glucose/BUN
Parvovirus (Elisa)
PCV/TP
Radiographs
Schirmer Tear Test
Serum Chemistry
Serum Total Iron Binding Capacity
Skin Scraping
Stone Analysis
TLI/Malabsorption/Malassimilation test
Toxicology
UCC/UPC/UUA Ratios
Urine/Plasma Osmolality
Specialized Diagnostic Tests
Allowances
Allergin Test
Contrast Radiographs
CT Scan
Endoscopy
MRI Scan
Myelogram
Nuclear Imaging/Thyroid Scan
Spinal Tap/Culture & Analysis
Ultrasound/Echocardiogram
$135
150
400
150
400
135
300
90
150
For diagnoses and tests not listed, please call our Customer Care department at
800-540-2016
Bleeding Disorders
3032 Thrombocytopenia/Platelet Disorder
3033 Drug Induced Disorders
3034 DIC (Dissem Intravascular Coag)
$—
––
––
$228
232
169
LYMPHATIC DISORDERS (3100)
3101
3102
3103
3104
Lymphadenitis
Lymphnode Hyperplasia
Lymphosarcoma
Thymoma Surgical
SPLEEN DISORDERS (3200)
3201
3202
3203
3204
3205
Splenic Rupture Surgical
Splenic Torsion Surgical
Splenectomy
Splenomegaly Medical
Neoplasia Surgical
IMMUNOLOGY (3300)
3302 Systemic Lupus Erythematosus
3303 Rheumatoid Arthritis
3304 Polyarthritis
1000 Euthanasia
STANDARD DIAGNOSTIC TESTS
ACh Receptor Antibody Titer
Adrenal Profile
Arthrocentesis
Biopsy (Skin)
Bleeding Time
Blood Pressure
Bone Marrow Aspirate
Chemistry (+ CBC + T4)
Coagulation Panel/PIVKA
Corneal Stain
Culture / Sensitivity
Drug Level (Phenobarbital, Bromide, etc.)
EEG/ERG
FIP
Activated Clotting Time (ACT)
Amylase/Lipase
Bile Acids
Biopsy (Ultrasound Guided)
Blood Gas
Blood Titer/Serology
CBC
Chemotherapy Sensitivity Testing
Coomb’s Test/ANA
Cross Match/Blood Typing
Cytology
ECG
FeLV
FIV
*Chemotherapy/radiation treatment(s) may be eligible for coverage at a rate of $300 per treatment up to a maximum of $1200. Histopathology report required.
**Specialized Diagnostic Test allowances as listed on this schedule may also be eligible for additional benefits. This allowance is in addition to the maximum Diagnostic Allowances as listed for each diagnosis.
VS-20 (8-02)
SUPERIOR PLAN BENEFIT SCHEDULE – PAGE 4
©2002 Veterinary Pet Insurance Company
1. CASE HISTORY—OTITIS EXTERNA
SIGNALMENT:
“Kessler”
2-1/2 year old M-N Labrador Retriever
Wt. 33 kg (73 lb.)
Indoors and outdoors
Eats premium dry food
Enrolled in VPI Superior Plan with Vaccination
& Routine Care Coverage at 6 months of age.
PRESENTING
COMPLAINT:
HISTORY:
MEDICAL
HISTORY:
Shaking head, pawing at ears
Trip to lake last weekend. Rained two of the three days,
but Kessler went swimming anyway.
Vaccinations are current. No prior history of ear problems.
One episode of acute gastritis when nine months old, recovered.
PE:
Both pinnae hyperemic. Some excoriation visible. Odorous discharge
in both ears. Right appears worse than left.
Skin appears dry, some flakes
Remainder of systems examination WNL
Bilateral otoscopic exam revealed intact tympanum,
inflammation and exudate.
CYTOLOGY:
No ear mites seen
Mixed bacteria and yeast
TENTATIVE
DIAGNOSIS:
TREATMENT
PLAN:
Bilateral otitis externa
Sedation
Flush and ear clean
Antimicrobial therapy
Normal recovery, no signs of otitis externa at 3 week
recheck upon completion of antimicrobial regimen.
1
KESSLER’S CLAIM
This is Kessler’s completed claim form, sent into VPI with the original itemized hospital receipt.
This is how Kessler’s claim was adjusted.
Kessler’s owner is reimbursed $112.50
* The VPI Superior Plan pays 90% of eligible expenses according to the plan’s Benefit Schedule Allowance.
2
2. CASE HISTORY—LEG FRACTURE
SIGNALMENT:
“Minnie”
4 month-old Fe DSH
Gray Tabby
Wt. 2 kg (4.4 lb.)
Indoors only
Eats premium canned and dry kitten food
Minnie was enrolled in a VPI Superior Plan with Vaccination &
Routine Care Coverage when she was eight weeks old.This is
the first term of her policy.
PRESENTING
COMPLAINT:
Acute non-weight bearing lameness LF
HISTORY:
Playing with 8 year-old owner, who admits he stepped on Minnie’s leg
MEDICAL
HISTORY:
Vaccinations are current (FVR-C-P and FeLV)
PE:
Left forelimb palpation: Pain and crepitation
Tachycardia
Remainder of systems examination WNL
TENTATIVE
DIAGNOSIS:
Left foreleg fracture
RADIOGRAPH:
Simple mid-shaft fracture L radius. Ulna intact
TREATMENT
PLAN:
SURGERY
PLAN:
CBC and Blood Chemistries
Temporary stabilization of the left leg for hospitalization overnight
Anesthesia, closed reduction and stabilize with cast/or splint
Minnie’s owners authorize treatment. Procedure is performed
successfully, no complications. Minnie recovers, eats and drinks
that afternoon and is discharged the following day with home
care instructions.
3
MINNIE’S CLAIM
This is Minnie’s claim for the foreleg fracture.
This is how Minnie’s claim was adjusted.
Minnie’s owner is reimbursed $342.00
* The VPI Superior Plan pays 90% of eligible expenses according to the plan’s Benefit Schedule Allowance.
4
MINNIE—PART 2
Let’s say... instead of being stepped on by her young owner, Minnie was hit by a car and
suffered a more severe hindlimb fracture and skin trauma.The fracture was suitable for an
open reduction with an IM pin. In this scenario, Minnie went into shock when she was in
the emergency room.
The cardiovascular collapse and the skin abrasions are both Secondary Diagnoses to the
Primary Diagnosis of the leg fracture.
The claim form should reflect these secondary diagnoses, as more benefits would be
available to Minnie’s owner.
5
MINNIE—PART 2
(CONTINUED)
Minnie’s HBC claim would be adjusted as follows:
(NOTE: As the fracture repair was done surgically with an IM pin, the
Treatment Allowance and Anesthesia Allowance both increase. Also note the
additional benefits from the secondary diagnoses).
Minnie’s owner would be reimbursed $944.10
* The VPI Superior Plan pays 90% of eligible expenses according to the plan’s Benefit Schedule Allowance.
6
3. CASE HISTORY—UROLITHIASIS
SIGNALMENT:
“Sara”
4 year old Fe-S DSH
Orange tabby and white
Wt. 4.5 kg (9.9 lb.)
Indoors only
Eats premium dry food ad lib
Sara was enrolled in VPI Superior Plan with Vaccination & Routine
Care Coverage when she was eight months old
PRESENTING
COMPLAINT:
Two day history of stranguria, pollakiuria, hematuria
HISTORY:
Vaccinations are current (FVR-C-P, Rabies and FeLV).
Healthy, no other incidents
PE:
Small bladder that seems uncomfortable on palpation
Remainder of systems examination WNL
Body condition score: 6 on 9 scale
DIFFERENTIAL
DIAGNOSIS:
Urinary tract disease, Renal disease, Neoplasia
DIAGNOSTIC
PLAN:
CBC and blood chemistries
Abdominal radiographs
Urinalysis (specimen via cystocentesis)
RESULTS:
CBC and chemistries: Unremarkable
UA: Color: yellow
Appearance: cloudy
Glu: 2+
Specific gravity: 1.032
Bili: neg
pH: 6.0 by dipstick
Sediment: No casts, no crystals,
Blood: 3+
no bacteria
Protein: >100
WBC: 4-8/hpf RBC:TNTC
Radiographs of abdomen show multiple
radiopaque objects in urinary bladder area
DIAGNOSIS:
Urolithiasis with LUT inflammation
Sara’s owners elect surgery to remove uroliths
TREATMENT
PLAN:
RESULTS:
Cystotomy scheduled for the following morning.
Stones submitted for quantitative and qualitative analysis
Struvite stones (magnesium, ammonium and phosphate).
Sara’s recovery from surgery was uneventful, and she was discharged
with special diet and home care instructions.
7
SARA’S CLAIM
Sara’s claim form and the hospital receipt were sent into VPI.
The reimbursement for the claim was calculated below. NOTE that the total charges for the
laboratory fees and the radiology exceed the Diagnostic Allowance for this diagnosis.
Sara’s owner would be reimbursed $779.40
* AEBSA = Amount Exceeding Benefit Schedule Allowance.
† The VPI Superior Plan pays 90% of eligible expenses according to the plan’s Benefit Schedule Allowance.
8
4. CASE HISTORY—GI STASIS IN A RABBIT
SIGNALMENT:
“Murphy”
1 year old M-N Miniature Lop-eared rabbit
Wt. 4 lb. 15 oz.
Indoors only, in crate
Enrolled in a VPI Avian & Exotic Pet Plan at 6 months of age
PRESENTING
COMPLAINT:
Unusual behavior, urinating outside litter box, not eating, scant feces,
some mucoid in appearance
HISTORY:
Murphy lost cage mate two weeks ago. Has been seen eating fiber bed.
PE:
Hunched posture. Depressed.
Abdominal palpation: Painful, material in stomach. GI tract moderately
full, no gas or impaction noted.
Hypothermia (99.2º).
Dental exam OK
All other systems WNL
TENTATIVE
DIAGNOSIS:
GI Stasis
PLAN:
CBC, Blood Chemistries,Titers
Radiographs
RESULTS:
WBC: Leukopenia
RBC: Normal
Titers for E.cuniculi, P. multocida negative
Serum chemistries: Decreased AlkP, AST, Creat
Radiographs show ingesta in stomach, some gas filled bowel,
feces in rectum
DEFINITIVE
DIAGNOSIS:
TREATMENT
PLAN:
GI Stasis (Ileus) with secondary enteritis
Hospitalize on supplemental heat, fluid therapy, and abdominal massage
Medications: Pain management, antimicrobials and metoclopramide
Discharged for home care. Doing better at
re-check one week later. Complete recovery
9
MURPHY’S CLAIM
Murphy’s claim form and the hospital receipt were sent into VPI.
Ve t e r i n a r y P e t I n s u r a n c e C l a i m F o r m
POLICY NO:
PLAN:
NAME:
STREET:
CITY/ST/ZIP:
PHONE:
INCLUDES:
1
E-5454
AVIAN/EXOTIC/REPTILE PLAN
GEORGE MACRUDER
1 HAYMAKER DRIVE
RED BLUFF, NV 12345
(777) 555-7711
06/01/2004
06/01/2005
MURPHY
RABBIT
BROWN WHITE
MINIATURE LOP
MALE
1 YEAR
Complete all information below, and please use black or blue ink only. One form per pet, per accident or illness. SEE REVERSE SIDE
10 / 15
/ 04
Four Pets VC
Treatment Date Hospital/Clinic
10 / 15
/ 04
GI Stasis
Medical Diagnosis or Differential Diagnosis or Working Diagnosis
Attending Veterinarian or Authorized Representative sign:
X M.
$ 409.95
Medical Diagnosis or Differential Diagnosis or Working Diagnosis
Total Charges
Enteritis
Treatment Date Hospital/Clinic
2
EFFECTIVE DATE:
EXPIRATION DATE:
PET NAME:
SPECIES:
COLOR(S):
DESCR:
SEX:
AGE:
Jacobs, DVM
X G. Macruder
4
Mark only if claims payment is to go directly to the Hospital/Clinic
10 / 21 / 04
For your protection the law requires you be advised of the following:
It is a criminal act to make a false or fraudulent claim under an insurance policy
or assist in the preparation or presentation of a false or fraudulent claim under an
insurance policy. Violators of this provision may be subject to criminal prosecution.
Total Charges
3
Policyholder sign:
10 / 22 / 04
Claims payment directly to Hospital/Clinic
5
Mail completed form plus ORIGINAL itemized bills to:
CLAIM DEPARTMENT
P.O. Box 2344
Brea, CA 92922
©2004 Veterinary Pet Services Inc.
This is how the claim was adjusted.
Murphy’s owner is reimbursed $262.53
* AEBSA = Amount Exceeding Benefit Schedule Allowance.
* *The VPI Avian & Exotic Pet Plan pays 90% of eligible expenses according to the plan’s Benefit Schedule Allowance.
10
STUDENT COMMENTS FROM VPI-VBMA-NAVC CONTEST WINNERS - 2005
“Participating in the 2005 VPI/VBMA NAVC contest was all around a great
experience! Through my contest entry, I learned a lot about VPI and now
feel that I could easily explain VPI Pet Insurance to my clients.
Everyone at VPI was super nice and so excited to meet the students. They
really made us feel special! I had such a great time in Orlando and can't
wait to go back.”
Amber Noga
Class of 2007
College of Veterinary Medicine
North Carolina State University
“I have never appreciated more what a veterinary company has contributed
to my education (and my enjoyment!), as VPI/VBMA did through their
NAVC-sponsored trip to Orlando. The contest was a perfect combination
of effort, education and reward. I learned a great deal about VPI
through my interactions with some really great people, as well as a
broad range of veterinary related topics at NAVC. And I did it all
under the sun!! Thanks so much, VPI/VBMA!”
Collin Wolff
Class of 2007
Cornell University
“I thought the VPI/NAVC contest was a great experience. I learned a lot
about the ease and benefits of pet insurance and now feel confident that
I would be informed enough about it to discuss it with clients. The
trip to NAVC was fantastic, I attended some really great lectures, met
some wonderful people and got to soak up the Florida sun. I highly
recommend the experience.”
Megan Dorn
Class of 2007
Kansas State University
“I am so thankful for the opportunity that VPI provided to travel to the NAVC
conference. I definitely know that it was worth it too! I think the one thing
that stands out in my mind about VPI however, is what kept coming up whenever I
talked with the other award winners or employees: VPI provides clients with the
ability to pay for the kind of veterinary medicine that we are capable and
trained to do. They are able to have their pet's needs provided for without
having to worry about financial constraints. This is so crucial especially in a
society that is changing its views from the "family pet" to additional "family
member". I really appreciated the hospitality that VPI provided to us also. The
meal at the Japanese steakhouse was amazing, and it offered the atmosphere to
mingle, open tables to interact, and really get to know one another. The VPI
team was also very friendly and it was great to get to know you all! Thank you
again for this opportunity! : I found it very interesting talking with the other students
about the cases that they "filed" insurance on. It was a concrete way to see
how the VPI plans can benefit our clients--us too!”
Emilie Blough
Class of 2007
Purdue University
“I thought that entering the contest was important for us as future veterinarians to understand
what our clients have to go through to file for pet insurance. It’s always a good thing for us to
remember how much our clients invest in our expertise and their pets’ health. The conference
itself was amazing – the spectrum of topics presented and outstanding organization of the entire
week were great. I will definitely make a point of going back for CE after graduation to the
NAVC – it was well worth the trip!”
Debbie Yoon
Class of 2006
Tufts University
FACULTY COMMENTS REGARDING VPI-VBMA-NAVC CONTEST
“The USA and world are filled with continuing education conferences for veterinarians,
staff, and students. However, having served as a speaker at all of them in recent years,
none compares with NAVC for its variety of subject material and quality of speakers. It
may be because it is held in Orlando, FL in January or because of its exceptional
programming leadership. In either case, it doesn't matter. It is my opinion, that this is
currently the premier veterinary CE conference that all others are trying to duplicate.”
James F. Wilson, DVM, JD
Priority Veterinary Consultants
Yardley, PA
"The North American Veterinary Conference (NAVC) is the world's premier
source for veterinary professional continuing education. The NAVC holds
its annual conference every January in Orlando, Florida. Total
attendance in January 2005 was close to 15,000. The scientific program
covers all species and consists of didactic lectures, interactive
sessions and more than 50 hands on laboratories. The NAVC also has a
journal, NAVC Clinicians Brief, the online edition of which is made
available to all veterinary students through the NAVC student
representative program. The NAVC also regularly distributes
interactive on line cases to students through its student
representatives. The NAVC also hosts regional in-depth weekend meetings
(NAVC Veterinary Postgraduate Institute) and a week long series of
single topic, in-depth interactive courses, The NAVC Orlando
postgraduate Institute. For more information on NAVC and its activities
please go to www.tnavc.org "
Collin Burrows, DVM, PhD
Executive Director, NAVC
Orlando, FL
"The NAVC is one of the premiere continuing education events in North America if not,
the world. It is among the largest, most diverse and most interactive opportunities
available to all members of the veterinary health care team, offering over 3000
opportunities to participate in small group learning as well as special seminars, large
convocations and emerging issues sessions. The variety of learning styles, topics,
labs, Masterclasses and Meet the Professor Luncheons" make it a truly unique event. It
simply must be experienced at some point in your career!"
Richard DeBowes, DVM, MS, Dipl ACVS,
President, North American Veterinary Conference
Pullman, WA