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My dog just went through chemo, multiple blood transfusions, etc. total bill was over 30k. For smaller stuff in the past, I would just fill out a claim form and email it to the insurance company and they would reimburse me 80%. For this recent issue, they requested clinical notes and records, detailed invoices, etc. Still ended up paying despite taking longer than usual. I still would have spent the money regardless of whether I had a policy or not.
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