---
title: Luxating Patellas &amp; Hip Dysplasia Pet Insurance Claim
description: Luxating Patellas and Hip Dysplasia are debilitating and expensive to treat. Embrace Pet Insurance can help.
lastUpdated: 2025-10-02T19:06:20.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/luxating-patella-hip-dysplasia-cavalier
  md: https://www.embracepetinsurance.com/coverage/luxating-patella-hip-dysplasia-cavalier.md
---

# Rocco's Story

![A cavalier King Charles wearing a red scarf while sitting on a white couch has been diagnosed with Luxating Patellas and Hip Dysplasia.](//images.ctfassets.net/cy68knbg9g5b/20vI5BIQQ44Yl1cxH67dPS/f2f032541393e8ecfd748ee45b9da531/roccogresham_pre-surgery_455c91d9-d6bd-436b-a038-3efb2dcfc70f.webp?)
Patella Luxation, Hip Dysplasia and IVDD ... Oh My!

### Vet Bill: $2,824

#### Background

Rocco's knee issues all began with what seemed like a little lameness. The two year old Cavalier King Charles was diagnosed with Luxating Patellas and Hip Dysplasia, [genetic and breed specific conditions.](https://www.embracepetinsurance.com/coverage/genetic-breed-specific-conditions) It became clear that his little knees were so uncomfortable that his family decided to proceed with surgical correction for his right knee. $2,824.48 later and Rocco was moving in the right direction.

The summer after his first knee surgery, Rocco had a minor set-back, when he was diagnosed with Intervertebral Disc Disease. He's recovering with the use of steroids, and we're keeping fingers crossed that Rocco's back troubles are behind him. Then it came time to fix the now four year old Rocco's left knee. Rocco underwent his second knee surgery for the year, and the vet bill totaled another $2,396.76. The important thing: Rocco is running down the road to recovery!

#### A word from Rocco’s Mom, Alexandra:

"The response from my vet when I submitted Embrace's "pre-certification" form for my dog's expensive knee surgery (Medial Patella Luxation) says it all - they had never seen a pre-certification form from a pet insurance company! I can't imagine paying the $2,500+ without knowing what, if anything, would be covered.

All of my communications with the staff at Embrace has been very thorough and timely which is much appreciated as well. I find myself recommending Embrace to people at work, on the street, anyone with a pet really. Big thanks to Embrace from Rocco and me! His quality of life has improved significantly with his 2 new knees!"

## Rocco's Claim Refund

| **Claim Details** | **Amount** |
| --- | --- |
| Actual Vet Bill | $2,824.48 |
| Covered Charges | $2,824.48 |
| Annual Deductible | $68.25 |
| Copay | $551.24 |
| Total Embrace Reimbursement | $2,204.98 |