Embrace Pet Insurance

[heide210]

I talked with my vet today about Embrace saying Gabby's luxating petallas would not be covered.First of all it was only one of her petallas not both.He is going to send Embrace a email to try to clear this up and i am hoping they will cover luxating petallas in the future if Gabby ever has problems. Gabby has a grade 1,which is within normal limits for a yorkie. So if normal,why would they exclude her luxating petallas

[Teegy]

I can't imagine it's anything I said, I haven't seen anything offensive except I had to sacrifice wine

[Teegy]

I hope they accept that it's not pre-existing, my policy actually stated they clearly didn't take care of it whether pre-ex or not

[yorkietalkjilly]

Originally Posted by Teegy

That poor dog how awful. Jesus that's a bill and then some.
I guess its something we have to think about when getting a pet. I've had to give up a bottle or two of wine a week for a while to save and get Teegy his wee brother.
It was tough but I survived

Being tolerant of others' faith, gender, ethnicity, etc., in a public forum without using hurtful terms or slang is just a kinder, gentler way to exchange ideas.

[GeorgiesMomma]

Originally Posted by CouversMom

I have the same opinion when it comes to insurance for the pups. It sounds like they deny a lot, and the majority of people don't get much out of it. We have a carecredit account, credit card and savings for the dogs should something happen. They would not go without vet care because we can afford it.

However, I wanted to correct you... While LP seems to be a huge issue with yorkies, there are a lot more things that can happen that will cost a LOT more. My friend had a yorkie mix that was run over by a truck. Thankfully, she survived... But she lived at the local university vet hospital for a couple months while they put her back together... It cost my friend over 8k. I don't know if insurance would cover this, but it is something that would be a LOT bigger issue than LP. BTW, my friend paid for this using Carecredit and her dog is again a healthy happy girl

I considered pet insurance for Georgie but never got it. I really don't think it would have covered his luxating patella surgery or his surgery for Atlanto-axial luxation as both would probably be considered pre-existing. We decided to pay out of pocket for the luxating patella surgery and use care credit for the AAL surgery which cost 6k (not including the initial visit and vet visits prior to). You can't go wrong with 6 months interest free using care credit.

[dlaureanonw]

Originally Posted by Teegy

I had pet insurance for 2 1/2 years. That's a lot of money. When I finally got to submit something it was oh that isn't covered and that and that. So I cancelled it and opened a tax free savings account putting the same as my monthly insurance cost in the account.
At the end of a year if you don't use the money you at least get interest on it and a nice little doggy bank account for health or "doggy shopping" emergencies. Or money for a second dog

Great Idea i should have done that from day 1!

[Teegy]

Is care credit just a credit card you use strictly for pets?

I don't believe anyone's faith has been offended I would certainly hope people in public forums participate with a thick skin.
I most certainly do.

[CouversMom]

Originally Posted by Teegy

Is care credit just a credit card you use strictly for pets?

No, Care Credit can be used for yourself as well if it is needed. I had a *ahem* unnecessary procedure done that wasn't covered by insurance, and I used Care Credit to pay for it. I paid off the balance within 6 months and accrued no interest

[dlaureanonw]

No it's not Care credit is a credit card people use to pay medical bills and you can also apply to pay your vet bill if paid before 6 months you pay no interest

[GeorgiesMomma]

Originally Posted by Teegy

Is care credit just a credit card you use strictly for pets?

I don't believe anyone's faith has been offended I would certainly hope people in public forums participate with a thick skin.
I most certainly do.

Nope it can be used for medical procedures such as plastic surgery, dental procedures etc...

[Teegy]

Is credit care an American thing, Couvers mum I like your "ahem"

[CouversMom]

Originally Posted by Teegy

Is credit care an American thing, Couvers mum I like your "ahem"

Thanks...

From my google search, it appears as though Care Credit is in Canada... But I'm not positive. It's something that would be good to apply for now and have available should something happen. The last thing you want to worry about is getting approved for CC while your dog is sick or hurt

[heide210]

Originally Posted by Teegy

I hope they accept that it's not pre-existing, my policy actually stated they clearly didn't take care of it whether pre-ex or not

Thanks Teegy. Just waiting on my vet to send Embrace a email then i'll contact them to see what they have to say. That sucks that your policy states they will not cover luxating petallas.

[heide210]

Originally Posted by GeorgiesMomma

I considered pet insurance for Georgie but never got it. I really don't think it would have covered his luxating patella surgery or his surgery for Atlanto-axial luxation as both would probably be considered pre-existing. We decided to pay out of pocket for the luxating patella surgery and use care credit for the AAL surgery which cost 6k (not including the initial visit and vet visits prior to). You can't go wrong with 6 months interest free using care credit.

Ouch... 6 grand!!!! what is axial luxation?