Scenario
A specialist visit after a primary-vet referral
Keep in mind: Actual coverage depends on the policy, eligibility, medical history, exclusions and provider documents.
First visitPrimary vet
Next stepSpecialist
DiagnosticsAdditional testing
Key issueEligible specialist costs
A referral to a specialist may create several separate charges, making it important to understand how the policy treats consultations, diagnostics and follow-up care.
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