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Originally Posted by 2dogsandachick  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 They took forever to reimburse, and the schedule they used was so outdated and under priced that it wasn't worth it.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. |
I signed up with Embrace about 6 weeks ago for the exact reasons listed above, plus the fact that I could customize my coverage. I've haven't needed to use them yet, but I hope they are as good as their customer service was during enrollment. I'm so glad to see someone who's had a good experience with them. Having 5 yorkies, I'm more comfortable paying a set amount per month and knowing I have coverage, than I am worrying what would happen financially if more than one were to get sick or injured at the same time.
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