K9 Pup-in-training Diagnosed with Bad Growing Pains

Vet Bill: $1,166.55

German Shepherd experienced extreme growing pain 

When the Lopez family welcomed Benz, a German Shepherd puppy, into their home, they knew pet insurance was necessary. However, they had no idea how soon they would need it. Benz’ dad, Omar L., shared his experience with Embrace.

“The reason we decided to get pet insurance was to offset the cost of vet bills. Plus, Benz is training to be a Search and Rescue K9 and we wanted to cover any emergency if need be.

As a small puppy, Benz started having pain that was later diagnosed as panosteitis. It’s a painful condition, characterized by limping and lameness, that affects the long bones in the legs of young dogs between the ages of five and eighteen months. He was given medicine to help manage that pain.

He then developed oral calcinosis circumscripta which is an excess deposit of calcium in his tongue. Benz had surgery to remove that when he was nine months old.

The claim process with Embrace was seamless. You just download the claim form, have someone from the vet’s office fill it out, and upload it online. Within a few days I had the case closed and a refund issued. The customer service agents helped explain the claims process and answered my questions about Benz’ insurance coverage.”

Benz' Claim Refund

Claim Details Amount
Actual Vet Bill $1,166.55
Covered Charges $1,071.20*
Annual Deductible -$200
20% Copay -$174.24
Total Embrace Reimbursement $696.96
* Omar did not have prescription drug coverage for Benz.
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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. © 2019 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island as of 1/1/20