Rescue Dog with Cataracts, Skin Issues, and Cherry Eye

Buddy developed a myriad of health problems before his fourth birthday.

Vet Bill: $9,988

Buddy - Mixed Breed Dog


Cataracts are generally an issue for senior dogs, so it was quite a surprise when Buddy, a 2 1/2 years old rescue dog, was diagnosed with them in both eyes. The cost of surgery was steep - $3,000 per eye - but the alternative meant he would lose his sight at a very young age... and Buddy's health issues didn't end there.

Buddy's pet parent, Michelle, shares his story:

"Our little 'Buddy' was found in the inner-city, homeless & abandoned. He eventually made his way to our home & has enjoyed the regularity of food & constant love ever since. He was less than a year old at the time and very mischievous. After having other dogs, we knew this dog would someday “get into something” and we would end up in a pet emergency clinic with a big bill. So, after doing some research into pet insurance, we found Embrace and signed up soon after taking Buddy into our home.

At about 2 1/2 years old, Buddy was diagnosed with cataracts and would need 2 eye surgeries. At $3,000/eye, I was so glad we didn’t have to make a choice between our best friend going blind or being able to afford the care he needed. Soon after his surgeries, we took him into the vet due to constant scratching and discovered he had an allergy problem. So, back to the specialty clinic to see a dermatologist. He now has to take a medication that costs approximately $100 every month and a half, and Embrace enables us to afford the medicine that keeps him comfortable.

Now, at age 4, he developed a problem with his right eye (“cherry eye”) where the gland protrudes from the third eyelid, requiring another surgery. Thanks to Embrace he is a happy dog with 20/20 vision and we’re not 'sleeping in the doghouse' wondering how to pay the vet bills. They’ve been a real God-send."

Buddy's Claim Refund

Claim Details Amount
Actual Vet Bill $9,988.91
Covered Charges $9,854.48
Annual Deductible -$329.03
20% Co-pay -$1,970.89
Total Embrace Reimbursement $7,554.56
Buddy's annual deductible is $200. His claims took place over multiple policy years, and some of his deductible was met on claims not relating to these conditions.
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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.