My previous dog, a bichon frise, had to have back surgery twice in less than a year, when he was around 7, ruptured discs. $5000 per event. My previous pet insurance paid nothing, because my baby had had back pain when he was 2, prior to purchasing the insurance policy.When I got my current bichon, Scarlett, I essentially purchased Embrace insurance for her before I brought her home. And I'm so glad I did! 2 years ago, she scratched her neck raw, due to allergies. Over the course of the past 2 years, she has been treated by a holistic vet approximately 2x per month; Accupuncture and Chinese herbs. (Embrace covers the Accupuncture but not the herbs.) She also had complete allergy testing done, by a veterinary allergist/dermatologist, and she now takes daily antihistamines and monthly injections. Poor baby is still scratching, and Embrace is still paying 80%. Bless them, they have paid a lot more than I have paid for premiums for the past 4 years! I recommend them to everyone. If only I could get such good coverage for myself!
(Note, the first claim submitted took a couple of weeks for them to process, collecting all kinds of info. Subsequent claims have been paid in under 2 weeks!)