Saturday 17th of March 2018 11:22:37 AM
In 2009, I got my first Cocker Spaniel, and shortly thereafter I joined a cocker spaniel forum to learn more about the breed, grooming tips, etc. I learned a lot from this forum, particularly that cockers are predisposed to a variety of health issues, many of which are extremely expensive to treat. The other thing that I learned was that many of the owners obtained pet insurance for their cockers, but had mixed reviews as to their reputations. One company that kept getting excellent reviews was Embrace, and that is the company that I chose for my dog when she was a couple of years old. Their reputation for paying based on actual costs, and for not having breed-specific exclusions were two positive features that I liked.Fast forward several claim-free years, and Gromit tore the ccl in her knee, requiring surgery. The cost of the surgery and follow-up exams was over $4,000. My first pleasant surprise was that since I had not filed any prior claims, my deductible was automatically reduced! Next, the claims that I submitted were not only paid quickly and without question, but the agent suggested that I set up direct deposit so that I could receive reimbursement even faster. As Gromit has gotten older, the premiums have increased. But the peace of mind that Embrace has provided is worth it to me. I didn't have to hesitate about getting Gromit the surgery that she needed regardless of the cost. And watching her run around and play, pain free and fully-healed, warms my heart.