---
title: Invertebral Disc Rupture Pet Insurance Claim
description: An invertebral disc rupture caused Muggsy to lose the use of his hind legs. Thankfully, the expensive surgery to correct it was covered by Embrace Pet Insurance.
lastUpdated: 2025-10-02T19:06:12.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/intervertebral-disc-rupture
  md: https://www.embracepetinsurance.com/coverage/intervertebral-disc-rupture.md
---

# Mugsy's Story

![A black French Bulldog lounging in the couch while looking lovingly at the camera.](//images.ctfassets.net/cy68knbg9g5b/3Iv8LvHydkKIBllK0kCUlE/ec4fadc414a633918bef429d829681eb/muggsy---french-bulldog_135d90b5-bd61-4f24-a1e3-24f0b3a8574c.webp?)
Muggsy's hind limb lameness is diagnosed as an invertebral disc rupture.

### Vet Bill: $7,794

#### Background

Having your pet suddenly lose the use of his legs is a profoundly scary experience. That is the situation Christina V. recently found herself in with her 3 year old French Bulldog, Muggsy. Thankfully, she didn't have to worry about how she would pay for the expensive surgery because Muggsy has an Embrace Pet Insurance policy.

#### Christina shares more of Muggsy's story:

"On February 5th, Muggsy started seeming under the weather, and by that night he lost the ability to use his hind legs. We took him to the emergency vet where they diagnosed him with a disc rupture and told us he would need surgery immediately. The unexpected surgery ended up costing almost $8,000, and we're so grateful that we did not have to make a hard decision about whether we could afford to get him the treatment he needed. The claims process was 100% hassle-free and we were reimbursed within two weeks. Muggsy is getting stronger again by the day, and we're so glad that Embrace enabled us to give him many more full and happy years to look forward to!"

## Muggsy's Claim Refund

| **Claim Details** | **Amount** |
| --- | --- |
| Actual Vet Bill | $7,793.71 |
| Covered Charges | $7,793.71 |
| Annual Deductible | $79.19 |
| Copay | $1,542.91 |
| Total Embrace Reimbursement | $6,171.61 |