Pet insurance can feel like another monthly expense, but when unexpected health issues arise with your beloved pets, it can be a true financial and emotional relief. For us, investing in pet insurance for our golden retriever turned out to be one of the best decisions we made. We chose Embrace Pet Insurance when our dog was already four years old, opting for a 90% coverage plan with unlimited benefits and a $500 deductible. While the monthly premium of around $65 seemed considerable, we knew golden retrievers can be prone to certain health problems, and we wanted to be prepared. Thankfully, when health issues did emerge, our decision to get insured proved invaluable.
Our Experience with Embrace Pet Insurance: A Lifesaver
About six months after getting our Embrace policy, we noticed some unusual spots in our dog’s eye. A visit to the veterinary ophthalmologist revealed calcium deposits. More concerningly, the examination also uncovered a tumor behind her other eye. The immediate peace of mind that pet insurance provided was immense. There was no hesitation about pursuing treatment; our only concern was our dog’s well-being. She underwent surgery to remove the tumor, thankfully benign. For the calcium deposits, she was prescribed lifelong eye drops to manage the condition.
Filing our first claim with Embrace took longer than expected – about six weeks to receive reimbursement. We learned that for the initial claim, Embrace needed to gather our dog’s medical history for the previous four years to confirm that the eye issues weren’t pre-existing conditions. While the initial wait was a bit frustrating given the positive reviews we had read, subsequent claims were processed and paid within a swift five business days. Embrace covered 90% of all eligible expenses, including the prescription eye drops from our local pharmacy. Knowing that her ongoing eye drop medication is covered for the rest of her life is a significant comfort. The $4000 surgery cost alone quickly justified the insurance premiums we had paid.
Key Lessons Learned About Pet Insurance
Through our experience with Embrace, we learned valuable lessons for anyone considering pet insurance:
-
Request a Pre-Existing Condition Review Early: When you enroll in a pet insurance policy, proactively ask the company to conduct the pre-existing condition review right away. This can help avoid a longer wait for your first claim payout, as it did in our case.
-
Pet Insurance is a Worthwhile Investment: Investing in pet insurance is truly a blessing. It removes the financial burden from pet healthcare decisions, allowing you to focus solely on your pet’s health and quality of life. When faced with a medical issue, the decision becomes about what is best for your pet, not what you can afford.
Conclusion: Peace of Mind with Pet Insurance
Our experience with Embrace Pet Insurance has been overwhelmingly positive. While the initial claim process had a learning curve, the subsequent efficient claims processing and comprehensive coverage have proven the immense value of pet insurance. For pet owners seeking financial security and peace of mind when it comes to their furry friends’ health, exploring pet insurance options is highly recommended. Reading Pets Best Insurance Reviews and considering different providers like Embrace can be a crucial step in responsible pet ownership.
