Embrace Pet Insurance is a cut above the rest. That's in part because they pay for the procedure your vet thinks is necessary, and pays the fee your vet charges — they don't have any pre-determined costs or limits on any procedure. They also pay for holistic care and physical therapy as long as it's veterinarian supervised, which is reasonable and even wise of them.
Our AmStaff tore her cranial cruciate ligament in October, and we had planned to do TPLO after Thanksgiving, so we could be in town during her recovery. The vet thought that was okay, and Embrace pre-authorized her TPLO, meaning they can pay the vet directly, instead of having us put the $5,000 charge on our credit card. When I called for the pre-authorization, the phone representative recommended we do physical therapy in advance of surgery, just to make sure she stays strong and healthy while waiting for her surgery date. The vet-supervised PT was so much more thorough and professional than the other PT we'd been going to, so I was glad this was a requirement. It has worked out so well, in fact, that all the doctors have come to agree that our dog is healing without TPLO, and may not need surgery at all.
Embrace has reimbursed us promptly for each PT appointment, including Adequan shots, hydrotherapy, acupuncture and laser treatments. It's just wonderful coverage, and I'm so glad we signed the dogs up with this coverage. I would highly recommend Embrace to anyone considering pet health insurance.
American Staffordshire Terrier