One more HP tidbit: they covered a second follow-up $2,000 surgery that was needed in my dog's eye this summer, and they're covering the new DNA-based melanoma "cancer vaccine." It costs $700-800 per injection (which are needed every 2 weeks for 4 shots, then every 6 months). It's still in clinical trials for people, but it's approved for dogs. It teaches the immune system to recognize and target melanoma cells.
When I called HP to ask about coverage, I was worried that the word "vaccine" would give them an "out" (since "vaccines" are excluded per the contract). They put me on hold, checked on it, and confirmed it's definitely covered as a chemo alternative. She made a note in the dog's file about our conversation, and once I sent in the vet clinic receipt, it was approved for payment the next business day.
We're now approaching $9,000 in the past 12 months -- all paid without any hassle whatsoever.
Aside from the magnitude of the bills, the way they handled the cancer "vaccine" approval really impressed me. I'll pay exam fees all day long to get bills like this covered!