---
title: Mastiff Tears Cruciate Ligament - Pet Insurance Claim
description: Bane the Neapolitan Mastiff needed surgery when he started limping and they found he tore his ACL. A big dog means big bills, but he had Embrace to help.
lastUpdated: 2025-10-02T19:06:22.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/cruciate-ligament-tear-mastiff
  md: https://www.embracepetinsurance.com/coverage/cruciate-ligament-tear-mastiff.md
---

# Bane's Story

![The Neopolitan Mastiff in the image posing against a background of flowers, had an ACL, or cruciant ligament tear after having too much fun and games.](//images.ctfassets.net/cy68knbg9g5b/YM6kPyV4POupCHuwpyS1t/ca357b675209052911617a822f349f74/bane_4eff7116-766b-4bc7-92e8-81abd5d0b1cd.webp?)
Fun and games leads to a torn ACL for Bane.

### Vet Bill: $3,125

#### Background

Young Neapolitan Mastiff, Bane, was on vacation, loving life and playing with another family dog when his trip took a turn. After a game of chase, Bane began limping. With big dogs come big problems: Bane's poor mom had to drive 2 hours to find a veterinary hospital that could fit all 160 lbs of cuddlebug into its x-ray machine! The result: a torn ACL. Bane's knee would need to be [surgically repaired by a specialist](https://www.embracepetinsurance.com/coverage/er-specialist-care). After a $3,125.41 knee surgery, Bane is on the mend. We're certainly glad we could help pay for his medical and surgical bills and get this handsome guy back into the game.

#### A note from Bane’s Mom:

"As stressful as it was driving two hours to a hospital that could fit him into an x-ray machine, and getting the surgery that he needed, Embrace was there every step of the way and made the process very fast and easy. The claim form is a breeze to fill out and send back, and within a few days, I received my reimbursement. They also reimbursed me for Bane's follow-up x-ray. No questions asked! I even got a personal email from them checking up on Bane during his recovery. Thank you Embrace for making Bane's surgery possible! We are all very happy with the outcome and will be lifetime customers!"

## Bane's Claim Refund

| **Claim Details** | **Amount** |
| --- | --- |
| Actual Vet Bill | $3,125.41 |
| Covered Charges | $3,049.99 |
| Annual Deductible | $200.00 |
| Copay | $570.06 |
| Total Embrace Reimbursement | $2,280.23 |