A few years back, one of my dogs was diagnosed with osteosarcoma. Thankfully, we were able to operate and remove the tumor from Buster’s ribcage (a very unusual place for OS to occur), follow up with chemotherapy and buy him more time – so far, four more years! At that time, I hadn’t given much thought to pet insurance, but I wish I had. We racked up bills to the tune of $8,000 (but he’s so worth it!).
Now that I have five dogs, I decided it might be a good idea to look into insurance for my pooches. After doing a good deal of research, I decided to go with Embrace. I was able to customize the policies for my dogs, which I loved. I didn’t have to fit my needs into a cookie-cutter plan. I got to choose what made sense for me – deductible, prescription coverage, co-pay, etc., and most importantly, the plans are affordable.
Buster and two of the others are too old to insure (all are 13), but my two younger dogs (6 and 1) now have policies. I recently got to test the mettle of one policy when my girl Charlie had gastritis.
Charlie ended up having to stay overnight at the vet’s for a few days. She needed multiple x-rays, an ultrasound, blood tests, IV fluids, etc., and round-the-clock care. When she finally came home, she had two prescriptions plus a 10-day prescription diet. The bill – just over $1800. I didn’t have high hopes as far as what insurance would cover (having had an AWFUL experience with ASPCA insurance), but my Charlie was worth it. My vet’s office submitte