"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.

We rushed Storm to the emergency clinic. His poor little leg was barely attached and when the people at the clinic saw it, their first thought was to try to save his life. The bone was shattered and he Storm after forelimb surgerywas just barely alive. They managed to stabilize him and found that the main artery going to his foot was still intact. Our Hero, Dr.Paul Moss, did surgery on him for hours and Storm came through it. He had an external metal brace with pins that kept the bones in place and Dr Moss adjusted it for his growing leg about once a month.

Storm had a number of other surgeries over the next year and a half. He is now 6yrs old and weighs about 150lbs and limps a little, but other than that he is doing pretty well.

Now for Embrace. A few days before the accident, I was on the net looking at Pet Insurance… I checked with a number of the companies, but when I spoke with the person at Embrace (I think it was Laura), she was so nice and caring that I decided the take out a policy right there and then. I paid the insurance premium.

DSC00460ALittle did I know how soon we would need it. Storm's accident happened just a few days later …we didn’t even have a copy of the policy yet. I call Embrace and told them what had happened and they were wonderful. There was never a question about their paying the bills and to top it off they stayed with us by phone and email the whole way. They were rooting for Storm as much as we were.

We have been with Embrace since that time and had other claims and they have been just great. They pay more quickly than our own health insurance! And we feel as though they are a part of our family. They are always there when we need them and I recommend them to anyone who has a pet.


I've written about Storm's claim details before but an update on all Storm's claims over the six years insured by Embrace is as follows:

Diagnosis Claimed Covered Paid
Dog attacked - fracture left radius and ulna 1,927.92 1,797.14 1,277.71
Follow up visits and removal of ring fixator 1,251.42 918.62 734.90
Follow up care, right rear leg patella luxation 185.81 119.99 95.99
Rebandage leg 100.00 100.00 80.00
Recheck ulnar ostectomy 100.00 100.00 80.00
Recheck ulnar ostectomy 25.00 25.00 20.00
Follow up reck on ulnar ostectomy 75.00 75.00 60.00
Follow up radiograph on Ulnar Ostectomy 25.00 25.00 20.00
Ulnar Osteotomy 766.93 727.73 582.18
Recheck Ostectomy 50.00 50.00 40.00
Bilateral Medial Luxating Patellas 1,377.52 1,266.72 853.38
Re-stabilze Tibial Crest 545.33 461.05 368.84
Medial Patella Luxation, Losing Weight 463.33 394.89 315.91
recheck x2 50.00 50.00 40.00
re-operate left medial patella luxation 192.00 70.00 56.00
dermatitis - insect bite 89.00 33.00 26.40
dermatitis, dermatophytosis and pyoderma 315.82 48.00 38.40
dermatitis, alopecia, trauma or insect bite 89.98 33.00 26.40
Upper Resp Infection, Conjunctivitis 55.70 33.00 0.00
Lick Granuloma, Dermatitis 104.95 33.00 0.00
Dermatitis, Allergies 130.45 48.00 0.00
Forelimb lameness and Diarrhea 235.62 207.42 5.94
Diarrhea 235.36 211.10 168.88
Total 8,392.14 6,827.66 4,890.93

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