My cat got stung by a bee to his upper lip and had severe facial swelling. Pet was taken to local veterinary hospital after hours. Pet was treated accordingly and picked up early the following morning. Facial swelling was reduced significantly but not resolved completely. Pet was taken to his primary DVM and no further treatment was needed. Claim for accidental injury filled out and submitted. Partial reimbursement received within 2 weeks and I was somewhat content with amount of reimbursement but did not feel I received 80% of total costs.