6 Tips for Buying the Best Pet Insurance

Choosing the best pet insurance plan for your pet means asking the right questions. To help, we've prepared a list of the most important pet insurance questions to ask when comparing plans for your dog or cat.

Does the plan use a benefit schedule?

Tip 1: A benefit schedule is a list of diagnoses with the maximum amount that the pet insurance plan will pay if your pet requires treatment for that diagnosis.

In large metropolitan areas like Los Angeles the benefit schedule payout can be much less than the actual price of treatment. As a result, you may be left paying a large portion of the bill yourself even though you have pet insurance.

Plans that pay a percentage of the actual veterinary bill are easier to understand because the calculation method is transparent – you can usually figure out your reimbursement before you send the claim in.

Learn more about how Embrace calculates your claim refund.

Does the pet insurance plan cover genetic conditions?

Tip 2: This is one of the most important pet insurance questions to ask before you buy a policy. Many people love purebred dogs and cats but purebreds can harbor genetic and hereditary illnesses. For example, Labrador Retrievers are more prone to getting hip dysplasia, Poodles to progressive retinal atrophy, and Chihuahuas to luxating patellas. Even mixed breed dogs and cats are susceptible to genetic conditions.

The surgery and treatment options for these genetic conditions can be very expensive and only certain pet insurance plans cover them. Make sure the plan you choose fully covers your dog or cat. 

Read about Embrace's genetic condition coverage.

What is and is not covered?

Tip 3: Is it clearly stated on the company's website exactly what you're getting? The last thing you want is to make a claim and find out afterwards that the company won't cover your pet's condition for one reason or another.

Read what our pet insurance plan covers in detail.

Are there per-incident limits?

Tip 4: An incident is any given accident or illness. Per-incident limits restrict the overall amount you can be reimbursed.

For example, let's say your dog is hit by a car and requires surgery and follow-ups that add up to $5,500 over the period of a year. If there is a per-incident limit of $3,000 then the pet insurance company will reimburse you only up to the per-incident limit. In this case you would have to pay $2,500 out of pocket (that is, $5,500 minus $3,000).

Embrace only has annual limits. If you pick a competing plan with per-incident limits, make sure you know exactly how they work so you won't be surprised when you make a claim.

What are the rules around pre-existing conditions?

Tip 5: You'll want to know if the pet insurance company excludes pre-existing conditions permanently or temporarily. Some plans exclude all pre-existing conditions while others (including Embrace) differentiate between pre-existing conditions that are "curable" and "incurable" so that you may get coverage in the future for curable conditions.

Learn about Embrace's pre-existing condition guidelines.

What do customers say about them?

Tip 6: Read customer reviews to help guarantee you buy the right pet insurance. Visit PetInsuranceReview.com to read candid customer feedback on all the major pet insurance plans in one place.

To learn more about getting a policy for your pet, get a free pet insurance quote now.

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Copyright 2005-2019

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.