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Claim Advo CE - Scenario #9 - Poppy

Lemonade

Created on October 16, 2025

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Transcript

Scenario #9

Poppy

Start

TL;DR + Claim Media

Claim was manually filed, so there was no claim media provided.

Next

Claim Overview

  • Policy Information:
    • Policy Started On: 9/12/2023
    • Illness Eligible From: 9/26/2023
    • Cruciate Coverage Eligible From: 3/12/2024
    • Policy Type: OG, Vet Visit Fee add-on
  • Claim Information:
    • Claim Filed On: 4/11/2025
    • Occurrence Date Per PH: 3/19/2025
    • Vet Visit Date Per PH: 3/19/2025
    • Claimed Condition: Patella Luxation (MPL or LPL)
  • MRR?:
    • MRR was completed previously
  • Pre-Existing Conditions?:
    • Otitis externa, inappropriate elimination

Next

Invoice

The submitted invoice is below (client information intentionally omitted):

How would you proceed with this claim with the information provided to you? Do we need additional medical records? Why or why not? Think about it before proceeding to the following page!

Next

Claim Investigation Determination

Done thinking? Click on the image below to see how you should proceed with this claim!

Do we need additional medical records?

Defend your reasoning!

End

Do we need MR: No Why?: Even though a patella luxation is an AHC and this breed is highly predisposed to patella luxations, an MRR was previously performed and found no orthopedic issues/patella issues. Due to that and the fact that the pet is well outside of the CCL WP, there's no reason for us to delay settling this claim.