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How does pet insurance work?

By Kara Bednarik

How does pet insurance work?

Insurance gets a bad rap, there’s no doubt about it. Calling your insurance company is usually likened to pulling teeth. It is true that there are many layers to pet insurance, but once you get the hang of it everything is actually really simple. Follow along to become an expert in no time.

Pet Insurance is for the Unexpected

Every year, you know that your pets are supposed to go to the vet for an annual checkup. And each month you know that they’re supposed to get their flea, tick, and heartworm medication. These things are not unexpected. What you don’t plan for is finding a lump while rubbing your dog’s belly or your cat’s eye swelling shut. Pet insurance is here for those times. Embrace covers exam fees, diagnostic testing, alternative therapy, and more for those unanticipated expenses.

Pre-existing Conditions

Pet insurance does not cover pre-existing conditions. If you decide to call for pet insurance while in the waiting room of the emergency clinic because your dog just broke her leg, that’s too late to get it covered. But, just because your pet has a pre-existing condition doesn’t mean pet insurance won’t cover them at all. If your cat has allergies before he’s insured, pet insurance won’t cover allergies, but if he gets cancer after he’s insured that would be covered.

Purchasing Your Policy

You can purchase your pet insurance policy online or over the phone. With Embrace, you personalize the deductible, annual maximum, and reimbursement percentage to get a policy that fits your budget and your coverage needs. Pet insurance has waiting periods to be aware of – coverage doesn’t always start the day you purchase your policy.

How Your Pet’s Medical Records are Used

Your pet’s medical records are reviewed at the time of the first claim. If you’d rather know ahead of time, Embrace gives you the opportunity to have your pet’s medical records reviewed at the beginning of your policy by requesting a medical history review.

How to use Pet Insurance

Most pet insurance is reimbursement based. When you go to the vet, you pay the bill at the time of service and submit the claim. The claim is processed according to the deductible and reimbursement percentage you chose when you purchased your policy. Once it’s been processed, a check or direct deposit will be issued for the insurance’s share of the bill.

What vets accept pet insurance?

This is a trick question! Because pet insurance works on a reimbursement model, the vet doesn’t need to “accept” it. Use any licensed veterinarian in the United States, there are no networks like in human insurance.

Now that you’re an expert, what’s holding you back from finding your perfect plan? Get your free quote today.

While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.

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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.