"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.  

DSC00321I had never doubted the wisdom of signing Elliot Cool up with Embrace pet insurance when he joined my family at 4 months of age last year.  I have been an Embrace customer since 2008, I know the quality of customer service Embrace provides.  As a financial planner, I also know the importance of having a plan in place for unexpected financial emergencies.  For my policies with Embrace, I have chosen a higher deductible and higher co-pay, in order to keep affordable coverage for those expenses that I can't plan for.

Elliot THRI never anticipated needing to use the coverage for Elliot Cool so soon, but I am so thankful Embrace was there for us when we needed them.  Without Embrace, I would not have been able to provide Elliot Cool the surgery he needed to ensure he would be able to live a pain free life.  

Thank you, Embrace!

There were a couple of vet visits to determine the diagnosis and then an initial specialist visit at Tufts University but then the main surgery details are as follows:

ITEM BILLED AMOUNT
Waste $10.00
Chem 25 $62.00
CBC & Platelet Count $60.00
Micro Exam Blood Smear $0.00
UA A/O $28.00
Radiograph $88.00
Rad Addl $79.00
Total Hip Series 4 views $292.00
Butorphanol 10mg/ml CIV $13.44
Atipamezole 5mg/ml x 0.31 $10.00
Atipamezole 5mg/ml x 0.15 $10.00
Dexdomitor 0.5mg/ml x 0.31 $10.00
Dexdomitor 0.5mg/ml x 0.15 $10.00
Anesthesia 2hrs $220.00
Anesthesia Pre Work Up $54.00
Anesthesia Disposables/Agents $81.00
Hospitalization $58.00
Anaerobic ID & Aerobic $174.00
Lab Accession Fee - Send Outs $3.00
Daily Professional Care $69.00
Cefazolin x 1 $18.00
Total Hip Series 4 views $292.00
Surgery Supplies $14.00
Surgery Implants $1,941.00
Total Hip Replacement Unilat $1,178.00
Cefazolin Sodium 100mg/ml $10.94
Methadone 10mg/ml C II $29.04
Hospitalization $58.00
Daily Professional Care $69.00
Cefazolin x 1 $18.00
Meloxicam 1.5mg/ml Susp x 2.60 $7.57
Hospitalization $39.00
Daily Professional Care $69.00
 TOTAL $5,074.99

Eliot Cool had a $500 annual deductible, an 80% reimbursement percentage and a $10,000 annual maximum, with prescription drug coverage not chosen, for a monthly premium of $24.91.

The surgery reimbursement was calculated as follows:

STEP 1: Calculate Potential Refund
  Billed Amount:         $5,074.99
  Covered Charges:       $5,074.99
  Annual deductible remaining     $122.00
  subtotal     $4,952.99
  Your Share of the claim (20%)     $990.60
Potential Refund          $3,962.39
           
           
STEP 2: Compare against annual maximum
     Annual Maximum       $10,000.00
     Prior refunds for this policy year     $0.00
     Coverage remaining     $10,000.00
           
Total refund is:       $3,962.39

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Guest Post: Pet Insurance Q&Amp;A from Dr Patrick Mahaney
"So Glad I had Pet Insurance" story - hip dysplasia surgery for 1 year old German Coolie
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