Pet Insurance.....again???

I went the self-insured route for years. Always thought it was the "smart" thing to do. Until my "heart" dog became catastrophically ill. In one afternoon my entire pet savings account, intended to cover three dogs' care, was wiped out and then some. The day after he passed to the Bridge, I began researching policies on my remaining two dogs. I finally decided on a policy with a moderate deductible, but rather high annual limits. In other words, an "ah *#(#(@!!!!" policy, not one to cover every sniffle. The premium was about the same amount that I was putting in the savings account every month, but has that added coverage for if something goes horribly wrong that my pocketbook couldn't otherwise handle.

I found the best deal for my situation in a company called Embrace. The deductible is per year, as opposed to per condition, which is how some of the lower-priced plans get you. It also comes with optional Wellness coverage that is quite affordable.