---
title: Flat-Coated Retriever Pet Insurance Claim
description: Shadow the Flat-Coated Retriever was tested for many things after being seen for a temperature and low white blood cell count, but a diagnosis was never found.
lastUpdated: 2025-10-02T19:06:18.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/flat-coated-retriever-mystery-illness
  md: https://www.embracepetinsurance.com/coverage/flat-coated-retriever-mystery-illness.md
---

# Shadow's Story

![A flat coated retriever named shadow looking all cute at the camera unexpectedly got a mystery illness.](//images.ctfassets.net/cy68knbg9g5b/61UranAxNs5wumyRmQSOZu/6e7faffb8be800e7276347e97e68d710/shadow---flat-coated-retriever_a509f2b9-daac-4c2d-9013-07a62b60f874.webp?)
Shadow's unexplained high temperature and low white blood cell count boggled his vets.

### Vet Bill: $3,000

#### Background

Shadow, a 7 year old Flat-Coated Retriever, first showed signs of illness on Mother's Day. When it happened again, just six weeks later, they had to be more aggressive with his treatment.

#### Shadow's pet parent, Laura P., shares his story:

"Shadow refused his Jillcookies treat the night before Mother's Day. I knew something was really wrong by the next morning. The ER vet said his temperature was 106 and white blood cell count was almost nonexistent. After spending the night there, he came home with antibiotics.

About six weeks later, the same thing happened. A full tick panel, blood tests, sonograms, and x-rays were done. We were told it was a possible bone marrow disease or autoimmune-mediated disease and the vet wanted his bone marrow to test. Another vet we saw recommended a stronger antibiotic and a longer dosage (three weeks). He felt it may be a hard-to-kill infection or a false-negative tick panel.

We are happy to report, four months later, Shadow is doing great. He is back to his happy-go-lucky Flat-Coated self. I can't begin to express how comforted we were to have Embrace Pet Insurance. We could focus on our sweet boy and not on how much his care was costing or how we would pay for it. Once I filed his claims, the money was directly deposited in my checking account in about a week. They were very quick with emails along the way to keep me informed. Each employee I have ever dealt with at Embrace is always very caring, helpful, and friendly. Thank you Embrace!"

## Shadow's Claim Refund

| **Claim Details** | **Amount** |
| --- | --- |
| Actual Vet Bill | $3,000.23 |
| Covered Charges | $3,000.23 |
| Annual Deductible | $500.00 |
| Copay | $500.05 |
| Total Embrace Reimbursement | $2,000.18 |