Dockdiving Labrador Retriever has Shoulder Surgery

Kiara the canine athlete is diagnosed with Biceps Tendinopathy.

Vet Bill: $3,818

Kiara-Labrador Retriever

Background

Sheri, Kiara mom, knew Kiara was the puppy for her when at her breeder's Kiara climbed into her nephew's lap, curled up, and went to sleep. They brought her home Memorial Day Weekend in 2005. In February 2008, Sheri took out a policy for Kiara, and shortly thereafter, she noticed that Kiara no longer wanted to walk on slippery surfaces and would yelp in pain when playing with her sister, Kaiya. A local veterinarian diagnosed her with tendonitis and prescribed Deramaxx and 6 weeks of rest.

However, by the summer of 2009, Kiara was still experiencing pain and was sore after jumping off their dock, a frequent event given that Kiara competed in Dockdiving. Sheri took Kiara to the Veterinary Orthopedic & Sports Medicine Group in Annapolis Junction, MD, to get a second opinion. Kiara had biceps tendonopathy caused by repetitive motion, in her case from Dockdiving, though biceps tendinopathy is not common in Labs.

Kiara underwent a bilateral shoulder arthroscopy and radio-frequency treatment in September 2009. She is recovering nicely with the help of a physical therapist. Knowing Kiara needed shoulder surgery, Sheri went through the pre-certification process and got a response very quickly from Embrace.

Sheri explains:

"Embrace makes the claims process so easy, which is great when you are already so stressed over your pet's condition. Embrace is more than an insurance company to me. It means a lot to me as a pet owner that the staff always inquired about my girls. In all my correspondence everyone puts a note in saying they hope the girls are doing well or to give the girls a scratch from them. It may seem like a small gesture, but to me, it means the world. The care and consideration that Embrace gives to me as a customer is outstanding."

Kiara's Claim Refund

Claim Details Amount
Actual Vet Bill $3,818.92
Covered Charges $3,750.00
Annual Deductible -$0.00
10% Co-pay -$375.00
Total Embrace Reimbursement $3,375.00
*Kiara had already met her deductible for the year with a prior claim.
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Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.