5
out of 5
POSTED: | BY: Gay
Thank goodness we have EMBRACE
I have written previous great reviews and, once again, EMBRACE has come though! With 5 dogs now, we got a $1,000 deductible for each in order to have a "doable" monthly premium. BUT, we got $15,000 YEARLY coverage. If this seems like a lot, trust someone who has been through two cancer surgeries in one year for one dog!! Of note, it is rough for all (people and beloved canine) to go through this....BUT, knowing we were covered by EMBRACE has helped us get through. And, also, we aggressively have kept an eye on her developing any other bumps or lumps without worry of how we would pay for there removal. Early detection and surgery when these things are small has been the difference. And, hopefully, this good fortune will continue. She is feeling great! (We are lucky to have board certified surgeon and oncologist...so skilled at dealing with cancer...) Many of the negative reviews stem from EMBRACE not covering "pre-existing" conditions. To this I say 2 things. Get your dog (or cat) insured NOW before things happen. Also, having had one small portion of one claim denied (less than $100 lab work), I can speak to that. The lab determined that one of her bumps was a "hair folicle cyst" so that lab work on that one thing was not covered. This was because before we insured her 2 years ago, she had had a "bump" removed previously that proved to be one of these and, thus, any further cysts of this kind are not covered as they are likely to reoccur. But, EMBRACE has covered every other item for this particular dog over the past almost 2 years and the reimbursements (we have 90%) have been in the thousands. This year we have had over $7,000 paid out for the two surgeries and all that goes with that (diagnostics such as CT scan, ultrasound, chest x-rays, liver and spleen aspirations....) in addition to some bladder stone issues which required X-rays as well. This company can be trusted to cover things that are not "pre-existing" conditions. SO, if you have any questions as you research policies and companies, ask them to review your dog's / cat's records and find out if any exist. They can also be trusted to cover any care your vet thinks necessary. For example, in August this dog had a soft tissue sarcoma. The surgeon said it would increase his ability to precisely remove it and get "clean margins" if we had a CT scan to show exactly where its boundaries were. The scan also was helpful in determining that the cancer had not spread. We were able to have this