Ok I just got off the phone with vpi and here's the update:
I feel that two urinalysis and the xray that discovered the stone should be covered under the urinary tract infection testing allowance. The testing that was related to the surgery should be covered under the surgery allowance.
They feel that the xray (and the urinalysis done on the same day) that discoverd the stone should be covered under the surgery testing.
I guess the problem is in the wording of the benefits schedule which lists separate allowances for the procedure, the gas and the testing. Apparently that includes the tests that lead up to discovering the need for the procedure as well as the tests for the actual procedure.
Anyway, I can refile for one of the urinalysis and some meds... about $35 all up.
Interestingly enough I found out that the amounts listed in the benefits schedule are the total they will pay out for the year, not for the incident as I thought. I knew that vpi had a max payout overall for the year but thought that if Quinn had an infection at the beginning of the term, got better and had another one at the end that I would be dealing with the full amounts listed in the schedule each time.
The girl urged me to not refile because I will have nearly exhausted the funds allowed for uti for the year and will have nothing if she gets sick again. I greeted this with silence and then told her I'd take the money now and if she gets sick again I'll pay out of pocket then. The amounts available refresh at the renewal of the policy.
So the end is somewhat satisfactory. I didn't get everything that I thought I should but I did pay off the credit card charge and got about $100 of the cash I paid back. Also I think if it wouldn't have been such a complicated claim I would have been entirely happy. They did exactly as I expected for the vet visits, meds and most of the urinalysis. It only got tricky after the surgery came into play.
Sorry for being so long winded but I occasionally see posts asking about pet insurance and wanted to share my experience.