Embrace Pet Insurance reviews

[kval07]

I am looking for reviews from anyone here who has Embrace pet insurance. I am ready to get insurance on Chester my yorkie. I want something for accidents and such.

The plan I am looking at (after narrowing it to Embrace) covers accidents and illnesses, AND genetic and breed specific conditions. I did my research before I bought Chester, so I know the many types of genetic conditions I could run in to down the line, though he is perfectly healthy right now. I would get accident and illness coverage only, skipping the dental and wellness stuff.

So, does anyone out there have Embrace, or know anyone who does? I want to hear all things, good and bad about this company.

Thanks!

[NIGHTB1022]

I don't know about Embrace but I do know first hand what not having per insurance can cost you, like 5,000 for a broken leg on a Weimaraner. been there done that. IF it's not Embrace you get, get some kind of pet insurance. When Buddy broke his leg in '04, it ended up costing us 5 grand to fix him. There is nothing worse than being in an animal hospital at 11 PM on a Friday night and having them tell you, "okay, here is our estimate, between 4800 - 5400. We need atleast half right now to do the surgery". We left in such a hurry when it happened, we didnt even think to grab any credit cards, so we filled out the application right there and got the Care card for the surgery. Horrible experience to go through with an animal, but even more horrible if you don't have the credit or the cash to get the surgery. Then your animal gets put to sleep if you can't pay for it. I would not wish that on anyone ever in a lifetime. So make sure the indurance you get covers accidents and surgeries, you might want to think about the teeth coverage as well. Having teeth cleaned on an animal is like having surgery too. They have to sedate them to clean their teeth and it can run close to a grand or more if they have to have extractions done.

[kval07]

I don't know about Embrace but I do know first hand what not having per insurance can cost you, like 5,000 for a broken leg on a Weimaraner. been there done that. IF it's not Embrace you get, get some kind of pet insurance. When Buddy broke his leg in '04, it ended up costing us 5 grand to fix him. There is nothing worse than being in an animal hospital at 11 PM on a Friday night and having them tell you, "okay, here is our estimate, between 4800 - 5400. We need atleast half right now to do the surgery". We left in such a hurry when it happened, we didnt even think to grab any credit cards, so we filled out the application right there and got the Care card for the surgery. Horrible experience to go through with an animal, but even more horrible if you don't have the credit or the cash to get the surgery. Then your animal gets put to sleep if you can't pay for it. I would not wish that on anyone ever in a lifetime. So make sure the indurance you get covers accidents and surgeries, you might want to think about the teeth coverage as well. Having teeth cleaned on an animal is like having surgery too. They have to sedate them to clean their teeth and it can run close to a grand or more if they have to have extractions done.

Oh my. I'm sorry to hear that. :sad: That is exactly why I want insurance. I don't have 5K laying around, and don't anticipate having it laying around until I hit the Mega Millions. :wink7: The Embrace plan I am looking at will cover accidents like you mentioned and surgeries. One of the best things about Embrace is they cover genetic conditions, which most insurance companies will not cover. Yorkies have their fair share of genetic issues, so that is what is pulling me in.

I'm not worried about the teeth right now. Chester is a year and a half old and just had a dental done about a month ago. He will get that done every year. I also started him on Oravet, which is this stuff you put on their teeth to help with tartar and such. I did both of those, plus a year's worth of heartworm meds for $250. I plan on doing that every year. His teeth are VERY important to me since I know small dogs often have mouth issues.

[kval07]

up

[Rene S]

I don't have Embrace, but here's something to consider. I have my own form of "insurance." Each week, I have some mone--direct deposit--put into savings (into a special pet savings account). This money is only used for vet visits or pet emergencies, not things like food/medication.

It's like paying a premium to myself, except that I earn interest on the money, and I have full access to it at any time.

We've had emergencies and this account has sure come in handy.

[kval07]

I get what you are saying Rene. I've thought of that. But I will not have any significant amount of savings for years to come should an emergency happen. I can cover routine things, like dentals, heartworm meds, checkups, vaccines, etc. I don't have thousands of dollars should something major happen to my dogs.

I can't afford an emergency for myself OR my dogs. So it is insurance for all of us. :smile:

[trekkieinsc]

I haven't looked into this, but judging from what I see on their website, you would still need to pay for treatment up front, then file the claim for reimbursement. This would be tough for us, as we don't have any CCs, and have no way of getting them (credit is too shot).

[kval07]

I haven't looked into this, but judging from what I see on their website, you would still need to pay for treatment up front, then file the claim for reimbursement. This would be tough for us, as we don't have any CCs, and have no way of getting them (credit is too shot).

Yep, that is fine with me. I have the room to spare on my CCs. I can afford to put the treatment on my card, just can't afford to pay off $5k for a broken leg or something.

[katey66]

Thank you for bringing this up. I have been thinking of getting insurance for Tyson. He's a boxer, and they are prone to cancer as well as some other stuff. I know I couldn't afford chemo and what not. I am on a forum for boxers and they were talking about insurance there and which were the best and such. I'll look for it, and post it when I find it. Perhaps this evening if not sooner :wink7:

Kathy

[katey66]

ok, finally had a chance to find it. Here is what they are saying is really good insurance. HTH
There is PetSecure. It is a division of PetPlan which is really good. Also there is Trupanion which is also very good.
Here is a website which lists the different plans and their reviews. I personally haven't looked at the site, but am wanting to get insurance also.
Kathy

[kval07]

I went with Embrace. I purchased Chester's plan yesterday for $26.xx a month. The main draw is they pay for genetic illnesses, which yorkies have plenty of, and they pay a percentage of your claim, not a set amount. My savings will be greater that way. Most insurance companies will only pay a set amount, regardless of how much you pay for treatment for your pet. Embrace will pay a percentage. I chose the plan where they pay 90% and I pay 10% after my deductible.

[katey66]

Forgot to post the site yesterday. Sorry. Here it is if anyone is interested.Pet Insurance Review - comparison of VPI, ASPCA, etc. (http://www.petinsurancereview.com/)

Kathy

[kval07]

Forgot to post the site yesterday. Sorry. Here it is if anyone is interested.Pet Insurance Review - comparison of VPI, ASPCA, etc. (http://www.petinsurancereview.com/)

Kathy

I looked at this site to read reviews. I was looking between Embrace and Petplan. On my yorkie site, those two were the most highly talked about.

[tarita]

Please get pet insurance...we had our puppy for less than 3 weeeks and he broke his leg...on a sunday also :) The bill for the er visit, to reset his leg and cast it was $550...and many follow up visits, r meds, additional xrays, and now an infected paw from a result of the break / cast...we are over the $1200 mark.

I can not get him pet insurance now until his paw heals and we have to be very careful so that he doesn't rebreak it...and broken paws are common with both types of breeds that he is (toy italian greyhound / rat terrior)...

My bf and I had to give up our plans of going on vacation to as a result of his medical bills. :(

[NIGHTB1022]

Please get pet insurance...we had our puppy for less than 3 weeeks and he broke his leg...on a sunday also :) The bill for the er visit, to reset his leg and cast it was $550...and many follow up visits, r meds, additional xrays, and now an infected paw from a result of the break / cast...we are over the $1200 mark.

I can not get him pet insurance now until his paw heals and we have to be very careful so that he doesn't rebreak it...and broken paws are common with both types of breeds that he is (toy italian greyhound / rat terrior)...

My bf and I had to give up our plans of going on vacation to as a result of his medical bills. :(

Yep, been there done that, but we love our pets don't we? The things we do for our "kids" LOL.

Kval, so glad you got pet insurance, believe me it is a cheap investment.

I am just dreading this winter because Bud is getting older and the winters are not too kind in Illinois. I know what I will be doing every morning at 5 AM! Cleaning off the patio and using a pet safe salt to make sure he doesn't slip and fall because if he does, nevermind, I don't want to think about that!