Salivary Mucocele

Sunee-Thai-RidgebackSunee, Thai Ridgeback

Swollen neck in a Thai Ridgeback
Vet Bill: $2,119.37
Location: Lindenhurst, Illinois
Date: September 2009
View Claim Refund

Background

Jessica went on one of her frequent visits to a breeder of Thai Ridgebacks in Milan, Illinois, in February, 2009. She went with the intention of finding a show-quality dog she could show to a championship in order to make the breed more visible. The breeder offered Jessica a black and tan pup, which is not the standard for Thai Ridgebacks, so Jessica had to decline. Jessica ran to her car and explained, If you've ever been offered a wrinkly cute puppy, you'll understand why I literally ran!

The entire drive home Jessica wondered what she could do to promote the breed besides conformation showing. Then she had the idea to get into obedience and agility competitions. It would add several years to her plan of becoming a breeder for the betterment of the breed, but it would make her a better handler in the conformation ring in the future. Finally she called the breeder and agreed to adopt the black and tan puppy.

First on her agenda was to give the pup a name. Jessica did some research and decided to name her Sunee, Thai for beautiful thing. The next thing on Jessica's list was pet insurance. Her three other dogs were already covered by Embrace, so that was a no-brainer. Sunee was the first Thai Ridgeback insured by Embrace.

Sunee was relatively healthy as a puppy, but in September 2009, Jessica noticed a large swelling on the side of Sunee's neck while out for their morning walk. She immediately took Sunee to Animal Emergency and Treatment Center in Grayslake, Illinois. The vet determined the swelling to be a salivary mucocele, a collection of saliva that leaked from a damaged salivary gland or duct. A few days later, the surgeon removed Sunee's mandibular and sublingual glands. The surgery went extremely well and Sunee didn't even seem to mind the stitches.

Sunee's Policy

Jessica chose Embrace for its coverage of congenital and genetic conditions. After bad experiences with two other pet insurance providers that failed to cover her bulldog's genetic conditions, she made the switch to Embrace and never looked back. Jessica purchased insurance for Sunee as soon as possible knowing she was a puppy and prone to all sorts of puppy accidents and issues, all covered by Embrace.

Sunee’s policy has an annual maximum of $10,000 and a deductible of $500. This is considered catastrophic pet insurance. Jessica has a lower monthly premium and, by absorbing a bit more of the vet bill up front, she is protected from very high vet fees.

Sunee's Claim Refund

Sunee's salivary mucocele claim
Amount
Actual Vet Bill $2,119.37
Covered Charges
$2,119.37
Annual Deductible Remaining
-$500.00
20% Co-pay -$323.87
Total Embrace Reimbursement $1,295.50

Reflections

Jessica is very satisfied with her experiences with Embrace. She says:

Having Embrace Pet Insurance was not only helpful in this situation, but it's good to know that someone out there is helping to look out for my dogs - with four of them running around, incidents are going to happen, and it's comforting to know that they're covered. My dogs are my entire life and I do everything I can to make sure they're safe. Having each of them insured gives me comfort in knowing that if I wake up one day and someone appears to have swallowed a golf ball, we can get it taken care of no matter what!