See the pre-existing condition guidelines for a more detailed explaination.
The best thing is, you never have to sacrifice coverage and you get to choose how much you want to pay out of every veterinary bill and how much you want Embrace to pay.Īre there any “gotchas”? Well, not really, although pre-existing conditions are not covered – some may not be covered permanently while others may be covered in your second policy year onwards. On the other hand, if you’re a student or a senior on a budget and you want to minimize your out-of-pocket costs then you can modify your pet insurance coverage to have a lower deductible and a lower co-pay. So if you choose a $500 deductible with a $10,000 maximum, you have excellent major medical pet insurance that won’t pay for the small incidents but is there to really protect you from the big stuff. For example, one of the best ways to keep your premium low but still provide maximum protection is to choose a policy with a high-deductible and a high annual maximum. Continuing Care Coverage: Choose whether you want this or notĪ customizable policy gives you a choice on how you want to split your veterinary bills with the insurance company.
Prescription Drug and Dental Illness Coverage: Choose whether you want this or not.Annual Deductible: Choose from $100, $200, or $500 per year.For example, if you have a young, healthy dog and an older, indoor cat then you could customize pet insurance coverages for each pet to get just the right level of protection. Each pet on your policy can have different maximums, deductibles, and optional coverages. This means that as a pet parent you decide how much and what type of coverage you want. Drugs administered during your pet’s stay in a veterinary clinicĮmbrace Pet Insurance offers a customizable policy unlike any other on the market.Laboratory Work and Diagnostic Tests including blood, urine, fecal, ultrasound, MRI, and CT scans.Alternative and Complementary Therapies such as hydrotherapy and acupuncture.Embrace Pet Insurance ranked highest or tied for highest in every category including price, benefits, network availability, and customer satisfaction – easily convincing us to use Embrace as our preferred pet insurance provider.Įvery Embrace policy protects your pet against: Illinois Health Agents independently reviewed the 12 most popular pet insurance companies in July 2008. The increased popularity in pet insurance has caused a surge in companies to enter the US market in recent years and each pet insurance company offers slightly different plans, making it difficult for pet owners to choose among the different plans. Illinois Health Insurance Laws & Regulationsįor most pet owners, pet insurance is the best way to protect themselves from financial hardship caused by a pet’s injury or sickness.
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However, they are free of charge and available to anyone who has a policy. It’s important to note that we don’t automatically do these medical history reviews, you must request one. If you’d like, you can request that we do a Medical History Review, which involves one of our claims adjusters reviewing your pet’s medical records to let you know what – if any – conditions would be considered pre-existing. We define what conditions are pre-existing for your pet by requesting their medical records for the 12 months (or less, if they are a new addition) prior to the purchase of the policy. As these issues can be completely cleared up, they could be covered moving forward if the pet goes 12 months symptom free.
Curable pre-existing conditions include things like ear infections and undiagnosed vomiting or diarrhea. Examples of incurable pre-existing conditions include diabetes, allergies, etc. However, Embrace does distinguish between curable and incurable pre-existing conditions. No pet insurance company covers pre-existing conditions.
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