Dog with Bite Wounds

Timber was bit by a neighbor’s dog through a fence.

Vet Bill: $1,402

Dog Bite Wounds


Timber the Siberian Husky was just a little puppy when his pet parent, Thomas P. of Linden, NJ, signed him up for Embrace Pet Insurance at Westfield Veterinary Group. At the time, no one could have known that Timber would need that coverage just a few short weeks later.

Thomas tells Timber’s story:

"Timber was just ten weeks old and running along the fence in our backyard being his playful, puppy self with our neighbor’s dog. Timber jumped and stuck his paw through the slat in the fence, which the neighbor’s dog apparently took as a sign of aggression. The dog bit Timber in several spots on his paw, causing bleeding and several open wounds. We rushed Timber to the Westfield Veterinary Group, where he had emergency surgery to stitch up the many wounds on his paw and paw pads. He wore a surgical cone for a good three weeks beyond the surgery, but it didn’t dampen his puppy spirit. Embrace was just wonderful in helping cover the costs of Timber’s surgery as well as several post-op check-ups."

Timber's Claim Refund

Claim Details Amount
Actual Vet Bill $1,402.83
Covered Charges $1,314.83
Annual Deductible -$300.00
20% Co-pay -$202.88
Total Embrace Reimbursement $811.95
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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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.