"So Glad I Had Pet Insurance" story - cats and lilies do not mix

I was chatting with an Embraced pet parent, LeAnne, a few months ago and she told me her crazy-awful story about her two cats and their adventures with lilies. I've used this situation in several conversations with journalists since; it's definitely a "glad I had pet insurance story" for pet health insurance month.

Here is LeAnne's story in her own words.


I am 33, active, not overweight, and generally healthy, yet I injured a disc in my back by sneezing and then injured it further by coughing a few weeks later. Part of my disc actually detached from the rest and the detached piece floated out and was pressing so hard on my sciatic nerve that it was causing my whole right leg to go numb. I could barely walk. I work for a large corporation that offers several options for health insurance, and since I historically only have preventative-type visits in a year, I always choose the lower monthly cost option with high copay and deductibles. This need for surgery was very unexpected and it cost me $5,000 out of pocket, and I was off work for two weeks, then restricted for another three weeks. 

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"So Glad I had Pet Insurance" story - surgery for vicious dog attack

This claim was Embrace's first big claim and I couldn't believe how perfectly it illustrates why you should get insurance - you just can't imagine a scenario like this. Poor Storm, an Akita puppy, was attacked by the dog next door. Norma Jean tells the story in her own words.


DSC00019_editedStorm was in our fenced backyard with Rich (my husband). He was running along the fence when our neighbors Malamute managed to get a part of his head under the fence and as Storm ran by he grabbed Storm's right front right leg and tried to drag him under the fence. Storm was just a few months old and the other dog was about 6-7 yrs old. My husband had to go over the 6 foot fence and beat the dog off to free Storm.

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"So Glad I had Pet Insurance" story - hip dysplasia surgery for 1 year old German Coolie

Being Pet Health Insurance Month, it's time for a "so glad I had pet insurance" story. How's this for a good one. A one year old German Coolie (yes, it's a real cool looking dog too) based in Salem, NY who unexpectedly needed hip dysplasia surgery, for a total cost of $5,417.

Here's Amy H's story in her own words: 

2012-07-01_16-07-51_500When my 1 year old German Coolie Elliot Cool came up three legged lame after a fun weekend of
running and playing, I knew something was wrong right away.  After bringing him to the vet for an exam and radiographs, my worst fears were confirmed.  Elliot Cool was diagnosed with hip dysplasia and would need hip replacement surgery if he was going to be able to live out a full, active life without constant, debilitating pain.  

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Guest Post: Pet Insurance Q&Amp;A from Dr Patrick Mahaney

Given that it's Pet Health Insurance Month this month, I asked Dr Patrick to interview me about pet insurance, asking all the questions he's wondered about from his role as a veterinarian focused on integrative medicine.

Here are some of the questions he asks me in the recording below:

  • What percentage or number of pet owners in the US have insurance for their pet?
  • What are the top canine and feline health claims?
  • What is the main reason pet owners pursue health insurance for their cat or dog?
  • Does the typical Embraced pet owner keep their pet on Embrace's pet insurance throughout the pet's life?
  • Does Embrace cover any pre-existing conditions?
  • Does Embrace cover any complementary and alternative medicine, such as acupuncture, physical therapy, chiropractic, and so on
  • plus discussion on medical history reviews and pre-certifications amongst other things

 The answers to these questions and more are discussed in the audio below.

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"Wish I'd had pet insurance" story - vet techs need pet insurance too!

Continuing the theme for Pet Health Insurance Month, here's a story from Chrissy, one of the Veterinary Account Representatives at Embrace. I love seeing Bella in the office and had no idea of this story until today.


I have worked as a technician in the Cleveland, OH area for the past 10 years.  While I always thought pet insurance was an excellent idea for clients, I never dreamed I would need it for myself.  Being in the profession, getting a hefty staff discount, and having a whole bunch of great contacts in the field, I did not foresee the cost of veterinary care ever becoming a problem.  I could not have been more wrong! 

Rewind to Christmas Eve 2007.  Bella, at the time a 2 year old pit mix, was always getting into things she wasn’t supposed to. She was obsessed with having things in her mouth so it didn’t surprise me when she vomited that morning.  However, a few hours later come breakfast time, I started getting concerned when she was not interested in her food.  She is a chow hound so that was very out of the ordinary.

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