Oral Mast Cell Tumor

Cadence-PugCadence - Pug

Pug undergoes surgery and radiation
Vet Bill: $3,739.70
Location: Denville, NJ
Date: Summer 2009
View Claim Refund

Background

In 2005, Cadence's mom, Christine, brought her home from Cordova Pugs, a breeder in Minnesota. It wasn't until September 2008 that Christine insured Cadence with Embrace. Then in April, 2009, Christine noticed a pinkish tint under the fur on her face, and upon closer inspection, she saw that it was swollen as well. She immediately scheduled an appointment at Whippany Veterinary Hospital in New Jersey.

The following morning a mass was removed and the biopsy determined it was cancerous. While Cadence's cancer is a common one that can be cured by radiation, it is very rare in the oral cavity. Nevertheless, Christine was referred to an oncologist at Animal Emergency and Referral Associates in Fairfield, NJ, who recommended radiation treatment.

Cadence completed radiation treatment at the Veterinary MRI & Radiotherapy Center NJ and is now being checked every 3 months for signs of recurrence. The total vet bill for diagnosis, surgery and radiation therapy was well over $7,000. We've highlighted a couple of the claims that led to that total vet bill below.

Christine was very impressed by the claim process at Embrace. She says:

"Embrace has absolutely outstanding customer service and has promptly taken care of all my claims through Cadence's ordeal. I can't recommend them enough to anyone who is looking to have insurance for their pet."

Cadence's Policy

For a higher monthly premium, Christine has a lower deductible ($200) and co-pay (10%). This allows her to recover a high percentage of covered vet fees, up to $10,000 per year.

Cadence's Claim Refund


Surgery and Biopsy 1 Round of Radiation
Actual Vet Bill $1,167.70 $2,572.00
Covered Charges
$1,167.70 $2,572.00
Annual Deductible Remaining
-$131.09 -$0.00
10% Co-pay -$103.66 -$257.20
Embrace Reimbursement $932.95 $2,314.80