Labrador Retriever Mix with Aggressive Eye Cancer

A lump on Cobalt’s eye turned out to be more than his pet parents bargained for.

Vet Bill: $2,807



Cobalt was a happy, healthy pup until one day when his owner noticed a lump forming on his eye. He was taken to the vet immediately, where his pet parent received some shocking news.

Cobalt’s pet parent, Ashley, tells us more:

"I rescued Cobalt from the middle of the Outback in Australia, where I was recently stationed in the military. He was such a happy and relaxed dog from the moment I met him. He was my best companion, so when I noticed his eye becoming irritated, soon followed by a forming lump, I was incredibly distraught.

I scheduled an appointment with his vet right away and was extremely concerned when he was diagnosed with an aggressive cancer—a mast cell tumor in his eye. The doctor told me he would need 19 weeks of chemotherapy, which would be very costly and could continue to produce problems in the future.

Luckily, I had recently purchased Embrace Pet Insurance for Cobalt. They covered most of the costs relating to chemotherapy including: ultrasounds, blood tests, specialist consultations, and the chemotherapy itself. They were very understanding and helpful regarding my situation of being stationed overseas. They also processed the claims quickly and efficiently, which really took a weight off my shoulders during this stressful time. Cobalt is now doing very well and acts like a normal dog again. I am extremely grateful for everything they have done for us!"

Cobalt's Claim Refund

Claim Details Amount
Actual Vet Bill $2,807.35
Covered Charges $2,692.88
Annual Deductible -$300
20% Co-pay -$478.58
Total Embrace Reimbursement $1,914.30
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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.