So I had never thought we needed pet insurance per se as our black lab is a former Guide Dogs for the Blind career change dog at just 4 years old. He's fussed over, taken care of and has been the model of health. But being a former coverage attorney and current realtor who always advises people to get insurance 'because you never know,' we signed up for Embrace nonetheless 2 years ago.
Premium payments were easy and we kind of forgot about it as it was on auto pay. Well 'you never know' is really maxim more than a thought as our pup had an acute case of pretty intense pancreatitis that doubled him over quickly. We rushed him to our nearest emergency hospital for tests, then to our vet and then back to the pet hospital for the 2 overnights he needed (for IV fluids, tests, ultra sound and more tests). After the intense TLC and professional medical care our pup is back and his happy, quizzical and regal self after about a week of scariness.
While that was scary the prospect of having to pay all those bills by ourselves (he racked up to about $7000+ worth of care) wasn't as much of a concern as it would have been if we didn't have the peace of mind that we'd be able to count on Embrace. So when they reviewed and processed our claims with reimbursement checks being sent out less than 2 weeks after our vets submitted our claims we were very (and are still) pleased with Embrace. It works and really does provide peace of mind that when push comes to shove that you really do have an insurer ready to back you and your beloved four-legged family member when it counts the most.