---
title: Tracheal Collapse Pet Insurance Claim
description: Baloo was having trouble breathing due to an elongated soft palate. Embrace Pet Insurance helped pay the vet bills for his soft palate resection.
lastUpdated: 2025-10-02T19:05:52.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/customer-stories/genetic-conditions/soft-palate-resection-bernese-mountain-dog
  md: https://www.embracepetinsurance.com/coverage/customer-stories/genetic-conditions/soft-palate-resection-bernese-mountain-dog.md
---

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# Customer Stories



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[Customer Stories](/coverage/customer-stories)
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[Pet Insurance Claims Involving Genetic Conditions Claim Stories](/coverage/customer-stories/genetic-conditions)
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[Tracheal Collapse](about:blank#)
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# Baloo's Story

![Baloo, a bernese mountain dog smiling happily on the dock of a lake has a genetic condition of a soft palate resection.](//images.ctfassets.net/cy68knbg9g5b/2u3wgM496pYEUbfVx88P4y/b70a1a6fa23d9f8e65fb3d29c5799816/baloo---bernese-mountain-dog_bb167a49-4b55-46ea-add8-1bc6d868cc49.webp?)
Baloo was having breathing problems due to an elongated soft palate.

### Vet Bill: $5,444

#### Background

Two year old Baloo's owner, James Z., took him to the vet when he started experiencing extended periods of labored breathing and wheezing. An examination of his larynx indicated he had an elongated soft palate and laryngeal paralysis, [genetic conditions](https://www.embracepetinsurance.com/coverage/genetic-breed-specific-conditions), and a soft palate resection was recommended.

#### James tells us more of Baloo's story:

"This is the second time we've rushed Baloo to the emergency vet with a mystery ailment. Thankfully, this time, we had the peace of mind that Embrace would back us. Baloo was immediately put into an oxygen tank as possible diagnoses were discussed. Several days of turning blue, an endoscopy, soft palate surgery and a halted larynx tie back later, Baloo was released and on his way home.

The vet sent the paperwork to Embrace and all we had to do was watch the updates come through. Within a few weeks, the majority of Baloo's bill was reimbursed. It could not have been easier to work with Embrace - it was no work at all! "

## James Z.'s Claim Refund

| **Claim Details** | **Amount** |
| --- | --- |
| Actual Vet Bill | $5,444.13 |
| Covered Charges | $5,444.13 |
| Annual Deductible | $150.00 |
| Copay | $1,058.83 |
| Total Embrace Reimbursement | $4,235.30 |



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