Our 5 year old German Shepherd Otto was diagnosed with adenocarcinoma in August 2013. Just the initial surgery to remove the tumor and submit it for a histopathology and then follow up xrays, blood and ultrasounds when it came back positive ran us over $1000. This did not include the cost of the evaluation with a specialist and subsequent chemo treatments at nearly $900 a visit. Two things made this possible-a special credit card for medical expenses that includes pet expenses and our Embrace pet insurance. As an insurance agent, I am familiar with the jargon, exclusions, and the need to jump through hoops for a claim to be paid. However, with Embrace, it was simple--1 form completed by the vet and the receipt with details of the services. That was IT! Embrace allowed us to use a credit card (something we try to avoid) to pay the initial bills and then with the reimbursements, we are paying that balance down in significant payments. It has meant everything to us to be able to treat Otto without having to stress about how we're going to pay for it. Sure, it's not 100% but its enough that we can manage it. He is worth every penny we've spent and we're hopeful that with continued treatment and management, we'll have him with us a few more years.
Additionally, the staff that handle the claim respond quickly to inquiries and we are regularly kept informed of the claim process. I'm so glad we chose Embrace for our pups.