I have had Embrace for both dogs for over 2-1/2 years.
Taylor's Osteo care in 2015 was reimbursed to me in the amount of $10,000.00 and per my policy, that was 80% of the vet bills.
Every test and every procedure and every office visit and all medications were covered.
That was at a premium cost of $500.00 a year.
That's $1.37 a day. Still less than the cost of a gallon of gas. Way less than a cup of something at Starbucks.
Your husband's argument of setting premium money aside would mean that it would take around 8 years of saving to cover 4 chemo treatments. One year of savings might cover around 2/3 of ONE radiation treatment.
One year of savings would pay for maybe one day's stay at a hospital after a catastrophic injury or a surgery.
All of my claims were completed within 1 week, and I would have a check a few days later. Last winter and spring, Taylor and Face and I were going to the bank all the time to cash or deposit the checks (they have cookies there).
I am a firm believer in pet insurance. So are the vets (many were specialists), too.
Embrace also has additional coverage called Wellness. Available in 3 different levels. Covers a LOT of routine annual costs. Even nail trimming!! Basically, you're paying up front for "credit" to be used in claims, and you get a discounted price on that amount. So if you're going to pay for the stuff anyway, might as well save a little money.