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Embrace Medical Insurance
#8130434
01/15/21 04:39 PM
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Joined: Aug 2012
Posts: 2,776
nak
OP
Veteran Tracker
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OP
Veteran Tracker
Joined: Aug 2012
Posts: 2,776 |
After a GSP that broke a knee a few years ago, plus constant worry about a dog getting snake bit, I decided to get insurance on my Brittany. After some research and talking to some friends, I went with Embrace. It's started out at $24/month and has increase to a little over $30/month at 4 years old.
He has had a couple of trips to the vet for staples and stiches, but nothing high enough to meet the $350/ year deductible...until the day before we were supposed to leave for a Kansas hunt.
My wife though that Christmas tree ornaments that looked like half-size dove and partridge would be cute. The dove had outstretched wings, with very life-like feathers (maybe real) . You can guess where this is going.
He acquired and ate one of the dove. The wing feathers were affixed to the body by dozens of 1 3/4" - 2 1/2" stiff wires, about the size of a sewing needles. Not something you want going through and not something you want to induce vomiting to get back out...so off to the emergency vet we go.
Including the follow-up, the total was about $3300 to pull the wires out with an endoscope. The insurance claim processed without issue (less than two weeks after I filed it) and Embrace paid $2280 (80% after the deductible) .
Bird dogs will be bird dogs....but the wife is still getting partial blame for us missing our Kansas hunt.
We all need to practice Whoa more.
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Re: Embrace Medical Insurance
[Re: nak]
#8130685
01/15/21 07:30 PM
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Joined: Oct 2008
Posts: 16,733
68rustbucket
THF Celebrity
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THF Celebrity
Joined: Oct 2008
Posts: 16,733 |
Bummer, glad it all worked out.
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Re: Embrace Medical Insurance
[Re: nak]
#8158318
02/06/21 04:01 PM
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Joined: Aug 2009
Posts: 4,365
kindall
Extreme Tracker
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Extreme Tracker
Joined: Aug 2009
Posts: 4,365 |
After some rather expensive vet bills with my past dogs, I took out insurance on my last one. Good thing I did. They have paid out around $4000 in the last 2 1/2 years.
Shopping with your husband is like hunting with the game warden. Experience is what you get, when you didn't get what you wanted.
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Re: Embrace Medical Insurance
[Re: nak]
#8171861
02/16/21 11:03 AM
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Joined: Dec 2006
Posts: 551
huntsetter1
Tracker
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Tracker
Joined: Dec 2006
Posts: 551 |
Best money I’ve ever spent!
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Re: Embrace Medical Insurance
[Re: nak]
#8172172
02/16/21 04:39 PM
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Joined: Aug 2012
Posts: 340
WatersFowler
Bird Dog
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Bird Dog
Joined: Aug 2012
Posts: 340 |
I use Petplan (not trying to sell anyone) and have had similar results. I always thought I'd rather pay $30-40 / month to make sure I didn't have an emergency that put me in the poor house or made me have to decide on whether to put a dog down. Several years ago our lab ate a sock that had another sock stuffed inside. Same story but it was on a weekend and we had to go to the emergency Vet in Plano, TX. That surgery combined with some needed plasma infusion to keep him alive rang a total of $6400. After I submitted the bill to Petplan they sent me a check for $5,000. A few years later he got ahold of a pool noodle (I don't even own a pool) and shredded it. Since 18" of his intestines had already been removed, the Vet couldn't remove any more and he died on the table. One of the saddest days of my life. Good news was that Petplan stepped up and sent me a check for $1000 for the death benefit that I put towards my current lab.
I know there are many reputable pet insurance plans out there. If you don't have one, find one because these animals can get expensive really fast. Glad your story was a good one!
Go ------------>
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Re: Embrace Medical Insurance
[Re: nak]
#8172509
02/16/21 09:53 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Better to have it and not need it than to need it and not have it.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Embrace Medical Insurance
[Re: nak]
#8194251
03/06/21 03:16 PM
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Joined: Nov 2009
Posts: 3,909
leswad
Extreme Tracker
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Extreme Tracker
Joined: Nov 2009
Posts: 3,909 |
Our childhood dog once ate a treble hook with stink bait on it. The monofilament on the hook kept it pointed in the correct position for the complete trip through the digestive tract. No surgery required.
FJB
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Re: Embrace Medical Insurance
[Re: leswad]
#8195244
03/07/21 04:14 PM
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Joined: Nov 2017
Posts: 19,243
Biscuit
THF Celebrity
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THF Celebrity
Joined: Nov 2017
Posts: 19,243 |
Our childhood dog once ate a treble hook with stink bait on it. The monofilament on the hook kept it pointed in the correct position for the complete trip through the digestive tract. No surgery required. Wow - that sounds horrible
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Re: Embrace Medical Insurance
[Re: nak]
#8198139
03/10/21 11:46 AM
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Joined: Dec 2006
Posts: 551
huntsetter1
Tracker
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Tracker
Joined: Dec 2006
Posts: 551 |
I have healthy paws insurance and it’s more than paid for itself with my current dog. It took three trips to the 24 hour vet and a holiday visit before I realized this dog would need insurance.
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Re: Embrace Medical Insurance
[Re: Biscuit]
#8199671
03/11/21 08:57 PM
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Joined: Nov 2010
Posts: 6,287
scalebuster
THF Trophy Hunter
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THF Trophy Hunter
Joined: Nov 2010
Posts: 6,287 |
Our childhood dog once ate a treble hook with stink bait on it. The monofilament on the hook kept it pointed in the correct position for the complete trip through the digestive tract. No surgery required. Wow - that sounds horrible I had a dog get a treble hook stuck in his mouth, 2 in the top and one in the bottom. He sat there like a good boy while I pulled them out. A dogs lip stretches a long way. Slow pull is a no go. You have to pull out with pliers like your starting a lawn mower.
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Re: Embrace Medical Insurance
[Re: scalebuster]
#8211603
03/23/21 06:51 AM
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Joined: Mar 2021
Posts: 90
brassattack
Outdoorsman
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Outdoorsman
Joined: Mar 2021
Posts: 90 |
Will have to look into this, 4 month old golden that wants to be a squirrel dog.Who's a good boy, Beau is. !!0
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