Labrador Retriever Receives Shocking Hepatitis Diagnosis

Vet Bill: $7,277

Nancy A. had her dock-diving Labrador Retriever Peaches insured from puppyhood in case her otherwise healthy girl had an accident. And even though Peaches had a great physical exam when she was four years old, her bloodwork showed trouble. Nancy shared her experience with us.

“I have a black Labrador Retriever, she’s five years old. Her name is Peaches. She’s a competitive athlete and a therapy dog and just the happiest dog you’ll ever meet.

Last year, I took her in for a routine checkup, and even though her physical exam looked great, her bloodwork showed that she had elevated liver values. The vet recommended that she take medication and get rechecked after some time, but the levels kept elevating higher and higher.

With the levels elevating without explanation, we needed to do a biopsy. It showed that Peaches had chronic active hepatitis.

Peaches required a massive dose of another medication that the vet called “bringing in the big guns." But I watched her go from a happy, sweet, energetic dog to a sad lump on the floor. She lost all interest in doing her favorite activities and lost all of her muscle mass. After six weeks of waiting, we went back to the vet to recheck, but nothing had improved.

It turned out that her hepatitis was better, but the medication was causing a bad reaction, so it was decided to taper down the prescription while going through physical therapy. I took her back in while we were reducing the dose, and the vet came out showed us that her liver values were almost normal.

I watched her gain her muscle mass back and the spark come back to life in her eyes. Because of Embrace Pet Insurance, I’m able to look at her vet and say, ‘Do whatever it takes, I have insurance.’”

Peaches' Claim Refund

Claim Details Amount
Actual Vet Bill $7,277,67
Covered Charges $7,269.67
Annual Deductible -$800*
20% Copay -$1,294.47
Total Embrace Reimbursement $5,175.20

* Peaches has a $300 annual deductible. These claims took place over 3 policy years, one in which her deductible was reduced to $200 thanks to Embrace’s Healthy Pet Deductible.

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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.