Atrial Premature Complex (APC)

Cavalier King Charles Spaniel with heart condition.

Vet Bill: $460

Penny-Cavalier-King-Charles-Spaniel

Background

Penny had been a champion show dog and had bred 2 litters of beautiful, healthy puppies. After her last litter was born in 2007, when Penny was 6 years old, Susan adopted her. Soon after, Susan did some research on pet insurance and decided to insure Penny with Embrace. Penny had a complete physical right away at Carlsbad Animal Hospital in California, and the vet found her completely healthy. In fact, both of her purebred parents were still living with healthy hearts.

However, Susan soon learned that just because a dog's parents are cleared of heart conditions, that doesn't always mean the offspring are safe. During a routine physical in August 2009, Penny's vet found a slight heart murmur, so Susan took her to a cardiologist at UC Davis. With an echocardiogram, the vet found a slight atrial premature complex (APC). He recommended a regular follow up and echochardiogram in 3 months. At this point the vet has not recommended any treatment unless the APC worsens, and Penny continues to be healthy in all other respects and still shows no physical symptoms of APC.

Penny's Claim Refund

Claim Details Amount
Actual Vet Bill $460.00
Covered Charges $460.00
Annual Deductible -$0.00
10% Co-pay -$46.00
Total Embrace Reimbursement $414.00
Penny's annual deductible had been met on a previous claim.
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Copyright 2005-2018

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.