The Paw Bill

What will the vet bill cost, and what will insurance pay?

Vet bills and pet insurance in plain English: what each line on an estimate is for, who published each price and when, and how a policy turns a bill into a payout, worked out with your own numbers. We sell nothing: no insurer rankings, no loans, no quotes.

Where one bill goesSample bills and policy

Bill$900

  • Not covered (exam fee, this policy)$70
  • Deductible$250
  • Your 20% of the rest$116
  • Policy pays$464
  • You pay$436

Bill$3,000

  • Not covered (exam fee, this policy)$95
  • Deductible$250
  • Your 20% of the rest$531
  • Policy pays$2,124
  • You pay$876

Bill$5,600

  • Not covered (exam fee, this policy)$95
  • Deductible$250
  • Your 20% of the rest$1,051
  • Policy pays$4,204
  • You pay$1,396

Sample policy: $250 yearly deductible, 80% back, deductible taken first. A policy that takes the 80% first pays $50 less on any of these bills. Your policy’s wording decides.

Put your own bill and policy in the payout calculator

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How we check.

Every price names who published it and when; every rule quotes the state statute or the federal regulation, with the date we read it. We sell nothing, rank no insurer or lender and refer no one.

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