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  • I had Embrace coverage for my labrador from the time she was 7 until she passed last year at 12.5. Yes you have to get your dog insured before they turn 7 or it may be 8 but frankly that was better than the other companies I looked at who would open a new policy one the dog hit age 6. Once you have a policy age did not affect the ability to keep the policy. However just like human insurance cost rises with age. My first experience filing a claim came when my dog was 11.5 and it was for a doozy of a situation, pancreatic insulinoma, which needed to be addressed asap. Embrace provided pre-authorizations same day for ultrasounds and major inpatient pancreatic and liver surgery at the facility of my choice. My claims were paid in 14 days of submittal with an apology after 7 days for not being more prompt. Given i pay about 25x more for my BCBS and it took them 4 months to send a reimbursement 14 days seemed pretty respectable. In addition there were multiple phone calls to see how the pooch was recovering and to make sure I was getting all my smaller follow up appointment bills submitted. In the end Siena's total bills came to approximately $7500.00 for everything related to the insulinoma and eventually her succumbing to the disease a year later. Out of pocket I paid right around $600.00. The biggest benefit for me was that in a stressful time where decisions needed to be made quickly I didn't have to weigh my best friend's life against the cost. I was able to focus soley on quality of life issues. In the end over all of my years paying premiums its possible I just broke even but that $7500 could have easily stretched into $15,000. Insurance to in my mind is to cover the truly catastrophic but to also help manage cash flow which is exactly how it worked out for me. My new dog Timo is 2 years old and I made sure to cover him with Embrace starting the day we adopted him. As with any insurance policy be it auto, home, human, etc. It is imperative to set aside the time (generally hours) needed to fully read through all policy documents and follow up on any questions with a company representative or even better an insurance broker. And when updates to documents are sent be sure to read those in detail as well. When you need your insurance is not the time to truly discover what is or is not covered. For the record I do not work in insurance but over years of helping others with human resource issues related to insurance and 401k's I've been dismayed at how few people really learn about or understand these types of products they have.
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