Cat with Back Injury and Pancreatitis

Within just 2 months, Andy suffered both a debilitating back injury and a bout of pancreatitis.

Vet Bill: $6,060

Andy- Domestic Shorthair


One health scare is bad enough but two issues in as many months can be devastating, mentally, emotionally, and financially. Andy, an 11 year old domestic shorthair, was recovering from a back injury when he ended up with pancreatitis.

Donn L., Andy's pet parent, tells the story:

"Andy, our marmalade and white tabby, began exhibiting aggressive behavior and reluctance to jump up on and down from anything in March. Our amazing vet, Sara Ford, concerned about an underlying neurological problem, referred us to a neurologist. The referral would allow us to rule out neurological problems but required a very costly ($2,500) MRI. We were more than a little concerned about the cost. Embrace was amazing in expediting a pre-approval for the costs of the MRI, which reassured us, and we moved forward with Andy's procedure.

Andy began prednisone treatment in early April and seemed to be doing well until May when he began vomiting and refused food. Andy never refused food so this was a huge red flag. He was diagnosed with pancreatitis and began supportive treatment with medication and administration of sub-cutaneous fluids at home. He is doing better and his treatment is ongoing.

Andy's illness required many vet visits and several expensive lab tests. Embrace uses such an easy and streamlined claims reimbursement process that we never felt any confusion you'd expect with medical insurance. Embrace has never questioned the tests or procedures required by the doctors and we have received the maximum reimbursement allowed by our policy. Most amazing of all, Embrace has a very caring staff and the best customer service of any company we have experienced. We are Embrace customers for life!"

Andy's Claim Refund

Claim Details Amount
Actual Vet Bill $6,060.90
Covered Charges $6,060.90
Annual Deductible -$200.00
20% Co-pay -$1,132.18
Total Embrace Reimbursement $4,728.72
Mind if we pay your vet bills?

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.