Recurring Bacterial Infection Hospitalized Young Cat

Vet Bill: $11,289

Christine G. adopted two kittens, Sugar and Spice, and insured them with Embrace Pet Insurance right away. Before Sugar’s first birthday, she wasn’t acting like herself, so Christine took her to the vet where they found she was running a very high fever.

Sugar’s veterinarians didn’t feel very optimistic about her high fever and the bacterial infection she was fighting. They didn’t think she would make it – but Christine knew that Embrace would cover the care that Sugar needed. After a few days in the hospital, Sugar’s condition improved and she was able to go home.

After her initial illness, Sugar had two additional relapses of the same diagnosis. Thankfully, Embrace doesn’t limit reimbursement per condition, so those veterinary bills were covered too. Sugar has been incident free for over a year, but Christine knows that if anything happens in the future, Embrace has their backs. 

“We used Embrace Pet Insurance for all three incidents – we wouldn’t actually have been able to save Sugar if we didn’t have insurance. Their staff is very knowledgeable about Sugar’s situation and they were very courteous and compassionate whenever I had to call,” said Christine.

Sugar's Claim Refund

Claim Details Amount
Actual Vet Bill $11,289
Covered Charges $11,289
Annual Deductible -$878*
20% Co-pay -$2,083
Total Embrace Reimbursement $8,328
*Sugar has a $300 annual deductible; claims took place over three years.
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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.