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2dogsandachick · 10-21-2009, 08:36 AM

I had VPI for a year. They took forever to reimburse, and the schedule they used was so outdated and under priced that it wasn't worth it.

I now have Embrace (just renewed for year 2). I have submitted multiple claims for both my boys (poison ingestion, 2 animal attacks, illness) all were reimbursed as expected. I chose Embrace because they cover LP and genetic conditions, and offer continuing care coverage, which most others do not. Embrace does not use a schedule to reimbuse, which I love - they reimburse the cost, less your deductible and co-insurance.

I disgaree that having insurance makes you spend more. The poision incident alone would have bankrupted me. It only takes one ER visit a year to make you (me) thankful for the policy.

10-21-2009, 08:36 AM	#2
2dogsandachick Yorkie Yakker Join Date: Jul 2009 Location: Orlando, FL Posts: 55	I had VPI for a year. They took forever to reimburse, and the schedule they used was so outdated and under priced that it wasn't worth it. I now have Embrace (just renewed for year 2). I have submitted multiple claims for both my boys (poison ingestion, 2 animal attacks, illness) all were reimbursed as expected. I chose Embrace because they cover LP and genetic conditions, and offer continuing care coverage, which most others do not. Embrace does not use a schedule to reimbuse, which I love - they reimburse the cost, less your deductible and co-insurance. I disgaree that having insurance makes you spend more. The poision incident alone would have bankrupted me. It only takes one ER visit a year to make you (me) thankful for the policy.