Pet insurance system and method

  • US 10,255,993 B2
  • Filed: 08/28/2018
  • Issued: 04/09/2019
  • Est. Priority Date: 03/15/2013
  • Status: Active Grant
First Claim
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1. A pet medical insurance system, comprising:

  • a backend component comprising a database system;

    one or more user computing devices coupled to the backend component over a communication path, each user computing device being configured for use by an owner of a patient and having a processor, memory and a plurality of lines of computer code;

    a computer system at a veterinary practice connected to the backend component over the communication path, the computer system comprising;

    a processor;

    memory; and

    a first practice information management system of the veterinary practice having one or more modules for managing the veterinary practice; and

    a client being in communication with the first practice information management system;

    a plug-and-play express system connected to the first practice information management system of the computer system and configured for electronic communication with the backend component, wherein the plug-and-play express system retrieves data from the first practice information management system, maps the data according to the database system of the backend component and sends the mapped data to the backend component, thereby limiting the data traffic between the backend component and the first practice information management system, the plug-and-play express system being plug-and-play integratable with a second or more different practice information management systems for connection thereto;

    the backend component comprising;

    a processor,memory, anda plurality of lines of computer code configured to;

    communicate with the plug-and-play express system to request data from the first practice information management system, the plug-and-play express system accessing data from the first practice information management system of each veterinary practice,retrieve via the plug-and-play express system one or more pieces of data about a patient from the first practice information management system, andstore the one or more pieces of data about the patient;

    each of the one or more user computing devices further configured to;

    communicate with the backend component to request insurance coverage for a particular patient, andreceive an insurance offer from the backend component and allow activation of the insurance offer; and

    the backend component further configured to;

    receive the request for insurance coverage for the patient, generate an insurance coverage for the patient that is stored in the database when the insurance offer has been activated, andcommunicate the insurance coverage for the patient to the veterinary practice computer system through the plug-and-play express system;

    the veterinary practice computer system further configured to display the communicated insurance coverage as a patient insurance coverage status to the veterinary practice; and

    the backend component further configured to;

    programmatically process a claim for one or more treatments and procedures for the particular patient based on the insurance coverage status of the patient, andelectronically pay an amount to the veterinary practice for the one or more provided treatments and procedures at the time of completion of the one or more provided treatments and procedures.

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