FOSTORIA | Owner saves life of his cat with $14,300 in Vet ER charges, 90% paid by insurance.
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By Josh Tolento, The Mindful Beekeeper LLC
On May 12th 2025 I woke up to find one of my best friends on the floor covered in urine and barely moving. After rushing him to Tri-County Vet in Fostoria I was told that he needs a lifesaving PU (Perineal Urethrostomy) surgery permanently widens a male cat’s urethral opening. It is performed to prevent life-threatening, recurring urinary blockages. The procedure lowers the risk of future obstructions and allows cats to live normal, comfortable lives, though they typically require lifelong prescription diets.
The choice was to make the 1 1/2 hour drive to Columbus Med Vet or say goodbye. Since I pay for pet insurance for Albert with a $20,000 annual max payout the decision was easy. After Tri-County Vet got him somewhat stable they loaded hot water bottles around him inside his crate because his temperature was dangerously low.
I grabbed a friend and made the drive to Columbus at 6PM.
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30 minutes from arriving to MedVet Albert began crashing with rapid shallow breathing and unresponsiveness.
Once I arrived I was swarmed by 4 people who quickly took him from me and rushed him back to the ICU.
Since I use Ai for note taking with my pets I was able to provide a 7-day history to the doctors in a matter of a few minutes. This was critical for the team to provide the best lifesaving care.
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Once Albert was stable I met with the ER doctor who explained to me that he was extremely sick and that a PU surgery would cost upwards of $10,000. She was relieved when I told her that I have insurance with a $20K limit and only a 10% copay on my end.
She explained to me that many insurance companies do not like to payout but I had ZERO concern as Lemonade Insurance has ALWAYS paid out without problems.
THE ROAD BLOCK FOR MOST PET OWNERS WITH INSURANCE:
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MedVet Columbus requires a deposit for the low end range of the estimate which amounted to $12,500. This is where maintaining a good credit score and decent line of credit comes into play. I whipped out my AMEX card, paid the $12,500 and the ER team began their work on Albert. Without credit, a cash deposit was the only alternative. This is why some people call insurance a scam, but Lemonade is the farthest thing from it.
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After daily trips down to Columbus over a week to visit and keep Albert’s hopes up the fear and stress slowly diminished as the 24 hour communication from MedVet was on par. I can not talk enough about how great Dr. Emily Hill handled overseeing the situation.
With multiple blood transfusions, fluids, and bladder flushes; Albert went through A LOT. My daily trips to Columbus meant the world to him as every day he was happier to see me.
The PU surgery went perfect and his kidney levels all returned to normal after hitting critical levels points away from death.
After discharge he was provided 2 pain medications that had to be given every 8 hours for 7-10 days. Once we arrived back home Albert was loving on me non-stop for hours, a cat so happy to be alive. Sleeping and working around his medication schedule was not easy but I made it work.
SO IS PET INSURANCE A SCAM?
Within 2 weeks the insurance company deposited 90% of the bill ($12,500) into my account hassle free.

100% NOT a scam thru Lemonade.
One thing I will leave you with as I conclude this story is: Making decisions for your furry friends is EASY when money is not a problem. The guilt of me not making the effort and spending the time to use the insurance I pay for would have ate at me for life. I will always do every thing I possibly can to support my family members.
Avoid the alternative and consider signing up for a cheap monthly pet insurance plan for your animals with my referral link: https://lemonade.com/r/joshuatolento