[Ellie May]

That is really good to know about Trupanion. I Hate bad customer service. Better things to do with my day than to deal with companies like that.

Their plan looked good, but the lowest copay they had was 10% and every exam had to be paid by the policyholder. I hope it's not that way with Petplan. So I go in 5 times in a year for the same thing. I want to pay the $50 per year, per incident thing once and not pay an exam fee every time. That's what we're paying an insurance bill for.

I was so close to getting Embrace. I think it was a combination of their chronic condition policy (didn't know that had changed), the need to purchase the extra coverage for prescriptions, and the no 0% copay option that made me hesitate.

Yup, Petplan caps at 80% at specialty hospitals and vet schools and also if an ER is used for non emergency purposes. For us though, we only use the ER for life threatening things, so that wasn't a problem. And our vet's office does a ton of stuff onsite, so I rarely use specialists, and they would still pay 80% anyway. So that seemed okay to me. Another thing I like about them (not sure if Embrace in the same) is that if dentals are done when recommended by a vet, medically necessary tooth extractions are covered.

I think I'll be watching both companies this year to see which one we go with next year.