Question: does Embrace Pet Insurance cover ongoing illnesses such as diabetes?

Here's an excellent question that a pet parent asked us recently.

If I have a policy and then my cat develops a condition like diabetes, would coverage for that be excluded when I renew each year after that?

Answer: It depends on the policy choice you make. If you take the Continuing Care endorsement, the diabetes is covered as long as you pay your premiums (up to a maximum that is one quarter of your total annual maximum); however, if you do not choose the Continuing Care endorsement, the diabetes would become a pre-existing condition at renewal.

We do highly recommend taking the Continuing Care endorsement but we offer the choice as the endorsement adds more cost to the policy.



Embrace Pet Insurance covers genetic and congenital conditions for cats and dogs

Kayla_and_neilVeterinary costs vary greatly by dog and cat breed.

For example, Labrador Retrievers are more prone to arthritis, hip dysplasia, and progressive retinal atrophy (PRA) than mixed breed dogs. And Himalayan and Bengal cats are more prone to having Feline Infectious Peritonitis (FIP).

Because we cover these hereditary conditions, Embrace Pet Insurance premiums are higher for pure bred cats and dogs than for mixed breed pets.

Coverage for genetic or congenital conditions is not offered in very many pet insurance products. If a pet insurer brags that they don't increase the premiums for different breeds, read the fine print carefully. That's because they don't cover the very conditions you are likely looking to cover.

Related Post: Help For Dogs With Arthritis - Sasha's Blend

BTW, special thanks to Bodie for the gorgeous picture of Kayla, the Labrador puppy, and Neil, a loving husband. Hard to think that such a cute pup could possibly face hip dysplasia or PRA.



EWomen Network presentation information

Ewomennetwork Right now (yes right at the time when this was posted), I'm presenting at the Cleveland eWomenNetwork lunch on blogging, my first official presentation on blogging (although I'm always talking about it all the time to anyone who'll listen).

I promised some information on what I talked about so we didn't have to kill a number of trees to print them out. Besides, now I have a couple new blog readers I hope!

Local blogs

Blogs you really really should read as a small business (see also left hand side menu item Other Blogs)

  • Seth Godin, my marketing god
  • Guy Kawasaki, guru on start ups and what makes companies successful
  • Church of the Customer, Jackie Huba and Ben McConnell write about word of mouth for businesses
  • Learned on Women - Andrea Learned on marketing to women (there are a number of good blogs on marketing to women - if you want more on marketing to women or any other topic, email me)

Top 5 Reasons to Blog for a small business:

  1. You want to make money don’t you?
    More interested eyeballs on your site means more money in your pocket.
  2. Become known as an expert
    Show people what you know, become the recognized expert on a topic.
  3. Stand out in a crowded space
    People searching for people and businesses like yours will find you out if you are blogging about their problems.
  4. Show your customers how you think and work
    Let them get to know you before they call.
  5. Bloggers blog about other bloggers, driving even more traffic your way.

And #6, the final bonus reason and the biggest of them all is

If you aren’t doing it, your competitors will. In fact your competitors are likely already doing it.

Email me if you'd like more info on any of my presentation.



Embrace Pet Insurance premiums vary by location

Rural_road_1Veterinary costs vary greatly by location.

For example, a few weeks ago, a veterinarian friend told me that she saw a $4,000 bill for a blocked cat that had perineal urethrostomy surgery at a referral hospital in Colorado. The same treatment and surgery at a clinic in Vermont cost $1,200 - less than a third!Manhattan

This variation is why we vary the premiums by location. Why should you pay New York City prices if you live in Buffalo, NY?



Embrace Pet Insurance 30-day money-back guarantee

Hello_human_2When I got my new car a few years ago, I was very nervous about making such a big decision because I had never bought a car before. I would have loved to have had a 30-day trial period where I got to drive my new car to work every day, check out the real gas mileage, and make sure I could really fit in two car seats and all the baby gear needed for a week's trip. I'm sure I would have felt much more comfortable about such an important purchase in my life.

Well, I might not have had that for my new car but you can have the 30-day money-back guarantee with Embrace Pet Insurance policies. If you buy an Embrace policy and change your mind later, we'll refund all your money assuming you haven't made a claim. And if you have made a claim, I'd say you got your money's worth too.

It's nice to know you can feel comfortable with such an important purchase for your pets.