Cat's Leg Broken in Freak Accident

Poor Gilbert got himself into a heap of trouble.

Vet Bill: $4,061

Gilbert breaks his leg


Accidents happen. That much we can be sure of and we've seen our fair share of random accidents here at Embrace. Gilbert, a gorgeous cat from Seattle, Washington knows all too well that if it could potentially happen, it probably will unfortunately.

Gilbert's owner Patti shares her story:

"At 2am, I woke to my cat, Gilbert, screaming from the kitchen. I found him dangling by a kitchen drawer handle from his rear, left foot. Needless to say, it was an unexpected, freak accident. One for which I wasn't sure how I would pay. I brought Gilbert to the emergency vet where he was given pain meds. The radiographs indicated a clean break across all four metatarsals. He would need surgery to save the foot. Estimated cost was $4000.

Did I have pet insurance, the vet asked? At that point I may or may not have jumped up and down, "Price is Right" style. Yes! I'd nearly forgotten! I did have pet insurance! The folks at Embrace were prompt, professional, helpful and friendly. The insurance covered nearly $2900! The insurance was painless enough to pay for that I'd nearly forgotten about it, and it saved Gilbert's foot! I now encourage all of my pet-parent friends to get insurance - and I can't recommend Embrace highly enough!"

According to Patti, Gilbert is doing great and recovering nicely.

Gilbert's Claim Refund

Claim Details Amount
Actual Vet Bill $4,061.04
Annual Deductible -$450
20% Co-pay -$716.99
Total Embrace Reimbursement $2,867.97
*Gilbert's annual deductible is $500 but, thanks to the Healthy Pet Deductible, it went down automatically by $50 because he did not receive a claim reimbursement in the prior policy year.
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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.