The Embrace Pet Insurance phones were broken and now are fixed!

Funny-pictures-getting-connected
UPDATE: looks like things are fixed now. Let us know if you are having trouble calling in (via email of course :) )


The hamsters are working overtime behind the scenes checking every connection and we'll be up as soon as possible. In the meantime, I think the cat has found the problem...

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Guest Post: Chewbacca the cat teaches an expensive financial lesson

Nicole Fende helps her business clients reach their profit goals and learn how to effectively and enjoyably run the financial side of their business. She tell us here how she discovered that one small cat can become a costly member of the family, one that sneaks up on you and your finances one vet visit at a time.


Chewbacca mixed breed cat
Meet Chewbacca, the most expensive cat I’ve ever owned (or will own!).  Chewbacca, or Chewie as we usually call him, was adopted as a kitten from a feral cat rescue organization.  As responsible pet owners we did everything we thought we were supposed to do.

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Fluffy Sighting&How to be a Finance Rock Star!

I don't normally stray too much from pet health and pet insurance discussions in this blog, but since I passionately believe business leaders need to understand the financials of their businesses to be successful, I don't mind the sidebar in this case.

Nicole Fende
Nicole Fende helps small businesses reach their profit goals and learn how to effectively and enjoyably run the financial side of their business. Nicole also happens to be an actuary and we met when she recruited me to talk in a webinar and then panel discussion on how actuaries can follow the Society of Actuaries Code of Conduct when changing actuarial careers (I know, riveting stuff, but we were the most lively panel at the AGM - we know how to have fun)

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Update on Pancho's experience with teeth cleaning

If you had been able to listen to Dr Patrick's and my podcast on pet dental health questions, you would have heard us answering Arthur's question about his dog Pancho:

Arthur R asks "My Embraced dog, Pancho, has a small mouth and does not like having his teeth brushed. No matter how I try, he squirms and twists his way out of daily brushing. How can I get
him to look forward to daily dental hygiene?"

In Patrick's answer, we challenged Arthur to try out some of Patrick's suggestions, perhaps with a video or two for the before and after effect and he took the challenge.

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Claim Example: Tooth Fracture in a Golden Retriever

Continuing our focus on Pet Dental Health Month, here's a claim for Corona, a 6 year old Golden Retriever living in Blackwood NJ, who cracked some of his teeth. Note that dental accidents are covered in the basic accident and illness policy. Dental illness is covered in the optional Dental Rewards coverage.

I don't know exactly how the accident happened, but poor Corona was also treated for anxiety as well. Poor pup, I hope the anxiety didn't cause the broken teeth.

DATE ITEM BILLED AMOUNT COVERAGE TYPE COVERED CHARGES
10/18/2011 Emer Exam $126.00 AC $126.00
10/18/2011 Buprenorphine Inj $31.91 AC $31.91
10/18/2011 Rimadyl x 20 $42.10 PD $42.10
10/18/2011 Cephalexin x 20 $20.75 PD $20.75
10/18/2011 Tramadol x 32 $20.75 PD $20.75
10/18/2011 Fluids Set Up $104.75 AC $104.75
10/18/2011 CBC $72.40 AC $72.40
10/18/2011 Health Profile $140.80 AC $140.80
10/18/2011 Lytes Panel $65.60 AC $65.60
10/19/2011 Cefazolin Inj $22.75 AC $22.75
10/19/2011 Valium Inj $22.75 AC $22.75
10/19/2011 Propofol Inj $25.16 AC $25.16
10/19/2011 Anes- Inhalant $239.25 AC $239.25
10/19/2011 Teeth Extractions $200.00 AC $200.00
10/21/2011 Exam-Follow Up $33.00 AC $33.00
10/21/2011 Fluoxetine x 90 $15.99 PD $15.99
10/21/2011 Discount ($69.70)   ($69.70)
10/21/2011 Tax $5.85   $5.85
Total   $1,120.11   $1,120.11

Corona pays a monthly premium of $26.90 for a $500 annual deductible (that had already been met from prior claims), a $5,000 annual maximum, an 80% reimbursement percentage and prescription drug (PD) coverage so the payout went like this:

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