Dog Insurance
What Is Dog Insurance?
Dog insurance helps protect your dog from large, unexpected veterinary bills. Modern veterinary care can be very expensive. For example, a trip to the veterinary ER can could easily cost $1,000.
Dog insurance pays 80% or 90% of your veterinary bills so you never have to decide between digging deep into savings to treat your dog or putting him down.
What Dog Insurance Covers
Dog insurance will reimburse you for veterinary costs associated with diagnostics, surgery, hospitalization, cancer and chemotherapy treatment, and even alternative and homeopathic therapies. You can visit any veterinarian you like and there are no networks. Read about what Embrace's dog insurance covers but remember that no plan covers your dog for pre-existing conditions.
How Dog Insurance Works
It's very simple to use your insurance. You:
- Visit any veterinary hospital, there are no networks
- Pay for treatment
- Fax or mail a claim form with your itemized invoice
- Receive your claim refund in 10 to 15 business days, even sooner with direct deposit
What If I Have a Purebred Dog?
Purebred dogs are more susceptible to genetic and breed-specific health issues such as hip dysplasia, cherry eye, or luxating patella. Many of these conditions can be debilitating or life-threatening. They cost thousands of dollars to diagnose and treat as well. In these cases having insurance for your dog lets you focus on his care without worrying about the cost.
To learn more about your specific dog breed we encourage you to visit our pet health center.
Choosing a Dog Insurance Plan
If buying dog insurance is the right thing to do, how do you choose a plan? You should know that Embrace Pet Insurance is one of the few companies that covers genetic and breed-specific conditions. This way, you're not stuck guessing what conditions might be covered.
Also find out if the plan you're looking at has per-incident or lifetime limits. Some companies use benefit schedules that can drastically limit the amount of your reimbursement. Embrace Pet Insurance has no per-incident limits and does not use a benefit schedule. Instead we pay based on your actual veterinary bill so you get more back.
How Much Does Dog Insurance Cost?
Dog insurance costs on average around $30 per month although the premium varies by the breed and age of your dog and the amount of coverage you choose. You can keep your premiums low by opting for a major medical dog insurance plan with a high deductible.This keeps your premium affordable without sacrificing coverage.
Don't forget, you can get up to 25% in discounts on your dog's health insurance including a discount if your dog is altered or if you have a multiple-pet policy.
When Is the Best Time to Buy Insurance for my Dog?
The best time to buy your dog insurance is when your dog is a young and healthy puppy, before any conditions develop. It's important to get insurance before you actually need it because pet insurance is the one thing you can't get when you need it the most.