Welcome to the forum!
I've had a policy with Embrace pet insurance for about 3 years now. Prior to that, my bridge boy torn both his CCLs (knee ligaments) and his surgery was a whopping $9,000 plus money we shelled out for rehab/physical therapy. We were lucky in that the orthopedic vet who did the procedure extended to us a steep discount so we only paid around $5500 for the surgeries.
When we got our second dog, I told my husband that we were in NO WAY prepared to take on that expense again. So we got pet insurance for both of our dogs.
Our policy with Embrace was meant to be a "in case of catastrophic emergencies" type thing. So we have a $15,000 annual limit with a 90% reimbursement rate and a deductible of $1,000 (annually not per incident).
We pay about $21 per month per dog for this policy.
For us, it's been well worth the cost. My bridge boy developed an auto-immune disorder that took us about 6 months and thousands of dollars to diagnose, not to mention hundreds of dollars in medications. That happened about 2 months after we took the policy out. Once it was diagnosed and we were able to get a solid medication regimen on Bear, the costs dwindled and I didn't think we'd actually break the $1,000 deductible the next policy year. But I was wrong. He got a lipoma (fatty benign tumor) on his leg that ended up being removed. And if that hadn't pushed us over the deductible, his sudden sickness a few months later did. Between vet visits, medication, ultrasounds, biopsies, etc. Turns out he had developed cancer. It was
an aggressive immune cancer that sprouted up out of no where and from initial diagnoses to death we only got 2 weeks. BUT I truly believe that if the cancer had been more slow growing or if we had caught it sooner, having the pet insurance would have allowed us to fight it and it *might* have extended his life. We wouldn't have been able to do it without pet insurance.
On the flip side, my other dog, Gypsy, has the same policy as Bear but we've only filed claims 1 for an ulcerated lipoma that needed to be removed (cause she was bleeding everywhere) and the surgery was only about $500 bucks over my deductible.
Through all these years and claims the company was absolutely amazing. I submit all my claims at once at the end of the policy year and I have checks in hand in a few weeks. I've had a couple claims go wonky. Once got denied a prescription for pain killers cause they said arthritis was a pre-existing condition. My vet wrote a letter to them and within a week I got a letter from the underwriting manager apologizing for the oversight and a check for the reimbursement. There was another claim that I filed that was kinda confusing (cause I try to file the claims grouped by issue rather than strictly chronologically) and so only a part of the claim was covered. It was a clerical mistake and one that was corrected right away.
They were also extremely kind and sympathetic after Bear died and I was weeding through his files to get it sorted. I will always recommend them because of my experience.
But I know there are so many other options so here are some threads I found doing a quick search on the forum. You might want to take a look through the threads for additional opinions: https://www.goldenretrieverforum.com...insurance.html (Pet Insurance?) https://www.goldenretrieverforum.com...insurance.html (Should I get pet insurance?) https://www.goldenretrieverforum.com...insurance.html (Pet Insurance?) https://www.goldenretrieverforum.com...insurance.html (Pet insurance) https://www.goldenretrieverforum.com...insurance.html https://www.goldenretrieverforum.com...nce-worth.html (Is pet insurance worth it?)