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What Happens When My Policy Renews?

Some pet insurance companies treat your renewal policy as a completely new policy and they exclude health issues that occurred in the previous year as pre-existing conditions. This might come as a surprise to you as most people do not expect an insurance policy to work this way.

For example, if your dog had an ear infection during the first year you signed up, no matter whether the infection was fixed or not, ear infections would then be excluded when the policy renewed because the condition is now labeled pre-existing. It can be very frustrating making a claim under these circumstances.

Make sure you clarify with the pet insurance company how they will reimburse you for treatments or conditions that are expected to last more than a year.

Embrace gives you the option to include or exclude these types of conditions in your policy, helping you select a policy premium the way you want it.