Cat Recovers from Car Accident

Squiggy-Mixed-Breed-CatSquiggy, Mixed Breed Cat

Squiggy is hit by a car
Vet Bill: $12,169.50
Location: Amityville, NY
Date: September 2009
View Claim Refund


Tracy adopted Squiggy from a shelter in 2006 when he was two months old. From the get-go, Squiggy acted more like a puppy than a kitten; he liked to play, fetch, hide, and surprise his parents. Initially, Tracy had insured her puppy, Murphy, with another insurance provider, but was talked out of it. She cancelled and found Embrace in the summer of 2009, when she insured both Murphy and Squiggy.

Then, in September, a woman knocked on Tracy’s door, saying she hit Squiggy with her car and thought she broke his leg. She said “Sorry” and promptly left. Tracy found Squiggy in the bushes where he dragged himself after the accident. It took her 15 minutes to get him to Veterinary Surgical Specialists of Long Island, but during the car ride Squiggy went into shock.

A preliminary exam showed several fractures (his back was broken in two places) and internal bleeding. Initially, the vets told Tracy that Squiggy would be paralyzed with no neurologic function since they couldn’t detect a pulse in his lower extremities. Once they stabilized his breathing, they were able to get faint pulses back. Squiggy was put on pain medication and made comfortable for the night.

The next morning, Squiggy licked Tracy’s hand and looked at her, and she knew she had to do everything she could to save him. Squiggy went into surgery shortly after. The neurosurgeon explained to Tracy that Squiggy would have a long recovery, with pins in his toes, legs and pelvis on one side of his body and no bladder or bowel function. It was unknown if he would ever walk again.

Nine weeks later, Squiggy's progress was remarkable; he was walking and climbing and regained bladder and bowel function.

Unfortunately in November 2009, when Squiggy had nearly recovered from the car accident, he developed a very bad bladder infection and could not be saved. Tracy is heartbroken at the loss of her precious cat. She laid him to rest in the bushes in front of her house where he loved to hang out. He was truly loved and will be missed by all.

This is an unfortunate example of the fact that pets cannot always be saved. Nevertheless, Embrace will be there to help during difficult, emotional situations, taking the financial stress off the pet parent.

Tracy was impressed by Embrace’s concern throughout Squiggy's ordeal. She said:

"I was very distraught when Squiggy was injured and every person I spoke to at Embrace treated me like family with kind words of encouragement and lots of help submitting my claim."

Squiggy's Policy

Squiggy's policy covers accidents. Therefore, he was covered for the unexpected injuries caused by the car accident.

Tracy made sure she had the maximum annual coverage for Squiggy, $10,000. It helped Tracy care for her beloved cat when the vet fees added up to over $12,000.

Squiggy's Claim Refund

Squiggy's car accident claim
Actual Vet Bill $12,169.50
Covered Charges
Annual Deductible Remaining
10% Co-pay -$1,196.25
Potential Refund $10,766.45
Embrace Reimbursed Annual Max $10,000.00


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