Pet insurance reimbursement arithmetic calculator

Calculate calculated reimbursement and invoice less reimbursement with your own figures.

Your numbers

Use the units shown. Results update as you change valid inputs.

Choose the currency for these amounts. Changing it keeps your numbers and does not convert exchange rates.

Use calculated reimbursement and invoice less reimbursement to compare changes to your inputs. The method and limits below explain the scope.

Examples

Examples

Try the starting example

Invoice items: name, invoiced $, eligible $
Consult,200,150 Procedure,800,800
Remaining deductible ($)
100
Reimbursement rate (%)
80
Remaining benefit cap ($)
500
Order: deductible-first or percentage-first
deductible-first
Calculated reimbursement ($)
$500.00
Invoice less reimbursement ($)
$500.00
Deductible applied ($)
$100.00
Reimbursement before benefit cap ($)
$680.00
Invoiced amount marked ineligible ($)
$50.00

Try another scenario

Invoice items: name, invoiced $, eligible $
Consult,200,150 Procedure,800,800
Remaining deductible ($)
100
Reimbursement rate (%)
80
Remaining benefit cap ($)
1000
Order: deductible-first or percentage-first
percentage-first
Calculated reimbursement ($)
$660.00
Invoice less reimbursement ($)
$340.00
Deductible applied ($)
$100.00
Reimbursement before benefit cap ($)
$660.00
Invoiced amount marked ineligible ($)
$50.00
Calculation method

Calculation method

Calculated reimbursement ($)

Deductible-first: max(0,eligible−deductible)×rate. Percentage-first: max(0,eligible×rate−deductible). Then apply the supplied remaining benefit cap.

Invoice less reimbursement ($)

Total invoiced − capped reimbursement.

Deductible applied ($)

Deductible limited to the amount available at its selected deduction stage.

Reimbursement before benefit cap ($)

Non-negative result before applying remaining benefit cap.

Invoiced amount marked ineligible ($)

Total invoiced − supplied eligible amounts.

Symbols and units
a
Invoice items: name, invoiced $, eligible $
b
Remaining deductible ($)
c
Reimbursement rate (%)
d
Remaining benefit cap ($)
e
Order: deductible-first or percentage-first

Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.

Assumptions & limits

Assumptions & limits

  • Mechanical arithmetic using amounts and calculation order you enter. It does not decide eligibility, interpret policy wording, apply unentered exclusions or predict an insurer’s settlement.
Are these inputs private?

These calculations run in your browser. A shared link contains the values you choose to share. Only questions submitted to the separate AI finder are sent to OpenAI.

Further reading

OpenStax: arithmetic and geometry ↗

Background reading; this does not imply endorsement or independent review of SumFizz.

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