Intervertebral Disc Disease

Dobie-Mixed BreedDobie - Mixed Breed Dog

A Mixed Breed Dog with IVDD
Vet Bill: $6,505.64
Location: Chandler, Arizona
Date: February 2009
View Claim Refund


Dobie's rear leg pain began after a trip to the groomer, where he began crying in distress. His veterinarian performed x-rays and a CT scan and found that his case of Intervertebral Disc Disease (IVDD) was serious. Dobie underwent surgery on his spine a few days later in order to repair the damage to his disc and give him a fair chance at recovery.

Dobie's mom writes:

"Dobie needed back/spinal surgery and you just can't go to the doc down the street for that. We ended up at the Vet Neuro Center......and of course the best and most expensive place in town. Dobie has a puppy mill rescue sister and breaking in a new buddy was just not in our plan so we got Dobie fixed, and they did an excellent job. The "Embracers" checked on us via email regularly (which is right up my busy alley) and did an outstanding job in caring for us and paying our claim. Dobie is out of claim money for the year, but promises to behave until at least next year."

Dobie's Policy

Dobie's claim used up his entire annual payout limit of $5,000 for this policy term but his coverage will renew next year. Unlike other pet insurance plans, Embrace does not have per-incident limits that in this case would have kicked in and capped future reimbursements for anything related to Dobie's IVDD.

Dobie's Claim Refund

Dobie's Intervertebral Disc Disease Claim Details Amount
Actual Vet Bill $6,505.64
Annual Deductible -$200.00
10% Co-pay -$630.56
Total Embrace Reimbursement $5,000.00
* This plan's reimbursement hit the annual maximum.