Understanding your deductible and reimbursement rate

There are two main factors that determine your reimbursement for approved claims: your deductible and your reimbursement rate, both of which you chose when you signed up.

Deductible

Your deductible is the amount of veterinary care you need to pay for yourself each year before we can reimburse you for claims. So if your annual deductible is $300, you have to pay for $300 worth of approved veterinary care before we can start reimbursing you.

Reimbursement rate

Your reimbursement rate is the percentage of an approved claim total that we can cover. For example, if your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.

How your reimbursement is calculated

Let's say you submit a claim for $1,000 with a $300 deductible and an 80% reimbursement rate. (To keep things simple, let's also say that everything in the claim can be covered.)

$1,000 in claimed services x 80% reimbursement rate gives you a maximum possible reimbursement of $800.

If you hadn't made any progress towards your deductible yet — in other words, if your deductible was still at $300 — you would receive $500 ($800 minus $300).

Still need help?

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