PET INSURANCE SYSTEM AND METHOD

• US 20140278551A1
• Filed: 03/13/2014
• Published: 09/18/2014
• Est. Priority Date: 03/15/2013
• Status: Active Grant

• Current Assignee: Trupanion, Inc.
• Original Assignee: Trupanion, Inc.
• Inventors: Marshall, Kerri, Rawlings, Darryl, Plowman, Katie, Cappelletti, Chris
• Granted Patent: US 10,891,590 B2
• Time in Patent Office: Days
• US Class Current: 705/3
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 40/20 for the management or administration of healthcare resources or facilities, e.g. managing hospital staff or surgery rooms

Abstract

A pet insurance system and method are provided. The pet insurance system provides rapid insurance enrollment and quick claim processing. In addition, the pet insurance system and method generates a pet health status identifier that is displayed to users of the system.

Claims

1. A pet insurance system, comprising:

a backend component implemented on a computer, the backend component comprising a services component that is configured to be coupled to and communicate with a pet insurance component in each veterinary practice, wherein the services component receives one or more pieces of data about one of a treatment and a procedure for a particular animal by a vetrinarian;

the backend component further comprising an enrollment processing component and a claim processing component, the enrollment processing component configured to issue an insurance certificate with an owner of the animal for insurance for the animal and the claim processing component configured to process a claim for one of the treatment and the procedure for the particular animal; and

wherein the claim processing component rapidly processes the claim so that the veterinarian is paid quickly.

2. The system of claim 1, wherein the backend component further comprises a user interface component that is configured to generate a user interface containing information about the particular animal.

3. The system of claim 1, wherein the backend component further comprises one or more databases that store the one or more pieces of data about a treatment and a procedure for a particular animal by a veterinarian.

4. The system of claim 2, wherein the user interface component is configured to generate an insurance claim form.

5. The system of claim 1, wherein the backend component further comprises one or more computing resources that host the backend component.

6. The system of claim 5, wherein the one or more computing resources further comprise a processor and wherein the backend component further comprises a plurality of lines of computer code that are executed by the processor.

7. The system of claim 5, wherein each of the one or more computing resources is one of a server computer and/or cloud computing resource(s).

8. A method of providing pet insurance using a backend component implemented on a computer, comprising:

receiving, by a services component of the backend component, in each veterinary practice, one or more pieces of data about a treatment and a procedure for a particular animal by a vetrinarian;

enrolling, by an enrollment processing component of the backend component, an owner of the animal for insurance for the animal and issuing an insurance certificate; and

processing, using a claim processing component of the backend component, a claim for one of the treatment and the procedure for the particular animal, wherein the claim processing component rapidly processes the claim so that the veterinarian is paid quickly.

9. The method of claim 8 further comprising generating a user interface containing information about the particular animal.

10. The method of claim 8 further comprising storing the one or more pieces of data about a treatment and a procedure for a particular animal by a veterinarian.

11. The method of claim 9 further comprising generating an insurance claim form.

12. The method of claim 8, wherein enrolling the owner of the animal further comprises activating the insurance certificate.

13. A method for generating pet status indicator, comprising:

obtaining a medical history of an animal;

generating one or more condition codes based on the medical history of the animal; and

generating, based on the one or more condition codes, a paw print for the animal, the paw print indicating a medical status of the animal.

14. The method of claim 13 further comprising displaying the Paw Print of the animal to a veterinarian that is treating the animal.

15. A pet insurance system, comprising:

a veterinary practice system having a pet insurance component;

a backend component implemented on a computer, the backend component comprising a services component that is configured to be coupled to and communicate with the pet insurance component in the veterinary practice system, wherein the services component receives one or more pieces of data about a treatment and a procedure for a particular animal by a vetrinarian;

the backend component further comprising an enrollment processing component and a claim processing component, the enrollment processing component configured to issue an insurance certificate with an owner of the animal for insurance for the animal and the claim processing component configured to process a claim for one of the treatment and the procedure for the particular animal; and

wherein the claim processing component rapidly processes the claim so that the veterinarian is paid quickly.

16. The system of claim 15, wherein the backend component further comprises a user interface component that is configured to generate a user interface containing information about the particular animal.

17. The system of claim 15, wherein the backend component further comprises a database that stores the one or more pieces of data about one of a treatment and a procedure for a particular animal by a veterinarian.

18. The system of claim 16, wherein the user interface component is configured to generate an insurance claim form.

19. The system of claim 15, wherein the backend component further comprises one or more computing resources that host the backend component.

20. The system of claim 19, wherein the one or more computing resources further comprise a processor and wherein the backend component further comprises a plurality of lines of computer code that are executed by the processor.

21. The system of claim 19, wherein each of the one or more computing resources is one of a server computer and/or cloud computing resource(s).

22. The system of claim 15 further comprising one or more computing devices wherein each computing device is configured to allow the owner of the particular animal to activate insurance coverage.

23. The system of claim 22, wherein each computing device further comprises a processor and a browser application executed by the processor to interact with the backend component.

24. The system of claim 15 wherein the pet insurance component further comprises a plurality of lines of computer code.