Elbow Dysplasia Surgery

German Shepherd Dog, Nala, has elbow surgery after limping.

Vet Bill: $1,733

Nala-German-Shepherd-Dog

Background

Nala’s mom, Kim, got her Memorial Day Weekend in 2008 at 14 weeks old, and the following January, she took out a policy with Embrace. Unfortunately, Nala is a bit of a problem child and has had health issues since Kim got her. In August, Kim and her husband noticed Nala limping, and she would cry when she applied any weight to her front right leg. Kim was able to get her an appointment immediately at Countryside Veterinary Hospital in Chelmsford, Mass., and the vet discovered that Nala had an ununited anconeal process, a condition prevalent in German Shepherds. The only treatment for this form of elbow dysplasia is a costly surgery.

That day, Kim submitted a pre-certification to Embrace, and within a week Nala was in surgery and Kim knew exactly how much of the vet bill would be covered by Embrace and how much she would be responsible for. Nala's right elbow is healing nicely but Kim recently found out that Nala now needs surgery on her left elbow for an ununited anconeal process. Reassured by the ease of the first claim, Kim sent in the precertification and scheduled the surgery for November 2009.

Kim says:

"My husband, like so many others, was laid off and we are struggling. Embrace helped take that pressure off of my family. I was able to provide the best treatment for Nala without hesitation, and because Embrace really does care, I was able to get her in for the surgery quickly. All I can say is thank you."

Nala's Claim Refund

Claim Details Amount
Actual Vet Bill $1,733.81
Covered Charges $1,667.21
Annual Deductible -$200.00
20% Co-pay -$293.44
Total Embrace Reimbursement $1,173.77
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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.