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Embrace's Prescription Drug Coverage

Veterinary medicine has advanced rapidly in recent years and nowhere is this more obvious than with pet meds. As well as the usual medications designed specifically for cats and dogs, veterinarians are in many cases also able to prescribe human medications for your pet.

Is Embrace's Prescription Drug Coverage Optional?

Yes. You are under no obligation to purchase this coverage. However if you choose not to add this coverage to your policy initially then you may not be able to add it on later.

Does Prescription Drug Coverage Cost Extra?

Yes, it does cost a little extra. If you purchase a policy online this option is not selected so you must manually choose if you want this coverage.

Why Do I Need Prescription Drug Coverage?

Many, many illnesses and some congenital conditions are treatable with drugs. Some of these drugs can be expensive when you realize that your pet has to take them for a long time, perhaps even the rest of her life. For example,

• Osteoarthritis can be treated with Rimadyl, Deramaxx, Etogesic, or Previcox costing $1 to $2 or more per tablet
• Congenital heart disease and high blood pressure can be treated with Lasix or Enalapril costing 20 to 50 cents per tablet
• Diabetes can be treated with insulin such as Vetsulin costing $1 or more per day
• Cognitive dysfunction can be treated with Selegiline costing 40 to 50 cents per tablet
• Skin allergies and canine dermatitis can be treated with Cyclosporine costing $1.50 or more per tablet

Multiply these figures by the number of times per day and the number of days of treatment and you could easily be looking at hundreds or in some cases thousands of dollars a year.

Am I Restricted to Generics?

When there is a bioequivalent generic we require that your veterinarian prescribe this, it costs less and keeps everyone's pet insurance affordable. For example, Atopica and Cyclosporine are bioequivalent yet Cyclosporine can be 35% cheaper.

What Drugs Are Not Covered?

We do not cover non-prescription or over-the-counter (OTC) items including:

• Flea, tick, and worm medications
• Heartworm medications
• Shampoos
• Nutraceuticals like Cosequin or Glyco Flex
• Prescription food

Do You Cover Drugs Not Purchased from a Veterinarian?

Absolutely, you can purchase your pet meds online and submit the receipt to us for reimbursement.