Found a mistake, or have a question about something we published? Email us at contact@thepawbill.com.
General information about costs, insurance and the rules, not veterinary, legal, insurance, tax or financial advice. Your vet decides what care is right for your pet; your policy’s wording and your insurer decide what a claim pays; your card or loan agreement decides what credit costs.
We can’t answer questions about your pet, your bill or your policy
We are not a vet, an insurer, an agent, a lender or a law firm, and we can’t answer questions about individual cases. That means we can’t review an estimate, a bill, a policy, a claim or a credit offer. We can’t answer questions about a pet’s care: what it needs, which treatment is right, or whether something can wait. We can’t say what your policy will pay, whether a denial was right, what your state’s law means for you, or whether you should insure or borrow. We can’t recommend a vet, a clinic, an insurer or a lender, and we don’t refer anyone to one. We don’t contact clinics, insurers, agencies or lenders for anyone.
For your own situation, these can help:
- Your vet: for anything about your pet’s care. For the money side, ask the clinic for a written, itemized estimate, what it includes and what is billed apart, and what deposit and payment terms apply. If you think your pet needs urgent care, contact a vet or an emergency animal hospital.
- Your insurer: ask in writing what the policy pays for the treatment on the estimate, how much of the deductible and the limit is left, and whether a waiting period or an exclusion applies. Our guide to how pet insurance works explains the terms, and how a claim works covers denials.
- A dispute with an insurer: your state insurance department takes complaints. NAIC’s directory of state insurance departments lists them all, and our state-by-state table gives each state’s law.
- A problem with a credit card or loan: the lender first, in writing, and the Consumer Financial Protection Bureau’s complaint page.
- If you can’t afford a bill: our page on help with vet bills explains where help comes from. We can’t apply for it or arrange it for anyone.
- A legal question: an attorney licensed in your state.
Reporting an error
Please include the address of the page, the figure, rule, section number, calculator result or sentence you think is wrong, and a link to the statute, agency page, policy document or publisher’s own page for the right information if you have one. We check every report against the source. State laws, lenders’ terms and clinics’ posted fees change, so a report that something has changed is especially welcome. Our corrections page explains what happens next.
Vets, insurers, lenders and advertisers
We don’t sell sponsored posts, links, reviews, listings or placements, and we don’t take affiliate deals, sell leads or make referrals. If you publish a fee list, a figure, a policy document or terms we cite, or a fact on our page about your organization is wrong or out of date, send a source and we will check it like any other report.
What not to send
Please don’t send estimates, invoices, medical records, x-rays, photos of your pet’s condition, policies, claim letters, policy or claim numbers, card or account numbers, Social Security numbers or other personal information, yours or anyone else’s. We don’t need them to check a page, and we won’t review them. Our privacy policy explains how we handle what you send us.