Ruth's Story: Six Years of Care for Cooper with Pet Insurance
Have you ever wished dogs came with warning labels? Warning: drools generously Caution: serial counter surfer But Cooper? His would read, “Turbocharged dog. Frequent maintenance required.”
Ruth Nelson has been caring for Cooper, her energetic German Shorthair Pointer, since he was a puppy. Her veterinarian describes him perfectly as "turbocharged with four-wheel drive," capturing the spirit of this soon-to-be eight-year-old dog who brings endless joy to Ruth's life. Since 2018, Ruth has relied on Embrace Pet Insurance to help manage Cooper's various health challenges, a decision that has proven invaluable through multiple medical situations.
Cooper's health issues started small but quickly added up. His first major problem involved a dewclaw that hadn't been properly clipped as a puppy. The nail began growing incorrectly and would get caught on things, leaving blood trails on the carpet whenever Cooper came inside. This initial experience with veterinary costs was just the beginning. Over the years, Cooper has needed two lipomas surgically removed and has battled severe allergies that caused significant discomfort.
The allergy problem became particularly challenging. Cooper developed sores all over his body and couldn't stop licking and scratching. Ruth watched him suffer, feeling helpless as he remained miserable despite her efforts. She refused to give up, taking Cooper to multiple veterinarians searching for the right treatment. "There wasn't anything I could do except keep going to doctors," she recalls. The journey required extensive testing and visits to different specialists before finally finding a solution that worked.
Throughout these medical challenges, Embrace Pet Insurance consistently covered Cooper's care. Ruth never had to choose between getting Cooper the help he needed and managing her finances. "No matter what I did or who I saw, they paid the bill," she says gratefully. The coverage allowed her to focus entirely on finding answers for Cooper's health problems rather than worrying about mounting veterinary expenses.
After six years with Embrace, Ruth knows the value of pet insurance. While she acknowledges that premiums increase as Cooper ages, she also knows more health issues are likely ahead. The peace of mind alone makes it worthwhile for her. She actively encourages other pet parents to get coverage, understanding that unexpected health problems can arise at any time.
Looking back at all the money saved through Cooper's various treatments, Ruth remains deeply appreciative. Her experience has taught her that pet insurance isn't just about financial protection. It’s the comfort of knowing that your four-legged best buddy can always get the care they need. As she puts it simply, "I am so thankful I have Embrace."
No warning label could have prepared Ruth for her life with Cooper, and yet she wouldn’t change a single chapter of their journey together.
Claim reimbursement & claim reimbursement is based on actual policyholder claims from 2018-2025. Claim example illustrates reimbursement based on an accident and illness policy at $200/84/month, 90% reimbursement, and $10,000 annual benefit for a 4-6 year old MP dog. Individual reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.