“80% coverage” doesn't mean 80% of your vet bill back. We decode your Explanation of Benefits using real cost data from thousands of verified vet invoices.
Both tools free · No signup requiredPet owners are blindsided by these mechanics every day. Understanding them is the first step to a fair payout.
Exam fees, pre-existing conditions, and wellness items are removed before the reimbursement % is applied. The insurer decides what's “eligible” — not you.
Your $100–$500 deductible is subtracted before the reimbursement rate. Your first claim of the year takes the biggest hit. Future claims reimburse at the full rate.
Some insurers maintain secret fee schedules. If your vet charges $800 but the insurer says the procedure “should” cost $400, they reimburse based on their number.
No forms to fill out. No confusing calculators. Just upload your EOB and get a plain-English analysis within 24 hours.
Snap a photo or upload a PDF of your Explanation of Benefits. Optionally add your vet invoice for a complete picture.
Our pipeline reads every line item, extracts the financial math, and cross-references against our database of real vet invoices.
Receive a plain-English analysis: what happened, why the gap exists, how your vet's prices compare, and an appeal letter if the data supports it.
Breed-specific calculator compares insurance vs. self-insuring over your dog's lifetime using real vet cost data. Three scenarios show when it pays off.
Run the calculatorUpload your EOB for a free analysis. We decode the math, compare against real invoices, and generate an appeal letter if the data supports it.
Upload your EOBNo jargon. We tell you exactly what happened and why your payout was lower than expected, line by line.
See where your vet's charges fall compared to real invoices. Is your vet expensive, or is the insurer undervaluing the procedure?
If the data shows your insurer underpaid, we generate a pre-formatted appeal letter backed by real market data.
Claim denied? We read the denial codes, match them to the legend on your EOB, and explain what to do next.
We don't guess what procedures cost. Every number comes from a real bill uploaded by a real pet owner.
The three reimbursement models, how deductibles reduce your payout, and what “80% coverage” really means in practice.
Read the guideStep-by-step process, documentation checklist, common denial reasons, and how real vet cost data strengthens your appeal.
Read the guideCompare insurance vs. self-insuring for your specific breed using real vet costs. Three scenarios show when insurance pays off — and when it doesn't.
Run the calculatorUpload your EOB for a free, personalized analysis. We decode the math, compare against real costs, and draft an appeal letter if needed.
Upload your EOBUpload it. We'll decode the math, compare against real vet costs, and tell you exactly what happened — free.
Upload Your EOB for FreeNo signup · No credit card · Analysis within 24 hours