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    • Home
    • Welcome
      • About Us
      • Our Mission
      • TESTIMONIALS
      • News Letters
      • Blog
    • U65 & Ancillary
      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
      • Accident
      • Critical Illness
      • Disability
      • Final Expense
      • Pet Insurance
    • MEDICARE
      • Medicare
      • PARTS OF MEDICARE
      • Medicare Costs
      • Meet IRMAA
      • Enroll in MEDICARE
      • Medicare 101 Videos
      • Medicare Supplements
      • Medicare Advantage
      • Part D - Prescription
      • Wellness & Physical Exams
      • Quotes for Medicare
      • Medicare DOESN'T Cover
      • Extra HELP
      • Penalties/Appeals
      • Social Security
      • Medicaid
      • Home Health Care
      • Help / Gov Sites
      • Senior Websites
      • WellBe Health Asst
      • LINKS
      • AARP Membership
      • Away from USA
      • Medicare Mentor Program
    • National General Life
      • RETIREMENT
      • NLG
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • Annuities
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
  • Home
  • Welcome
    • About Us
    • Our Mission
    • TESTIMONIALS
    • News Letters
    • Blog
  • U65 & Ancillary
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Pet Insurance
  • MEDICARE
    • Medicare
    • PARTS OF MEDICARE
    • Medicare Costs
    • Meet IRMAA
    • Enroll in MEDICARE
    • Medicare 101 Videos
    • Medicare Supplements
    • Medicare Advantage
    • Part D - Prescription
    • Wellness & Physical Exams
    • Quotes for Medicare
    • Medicare DOESN'T Cover
    • Extra HELP
    • Penalties/Appeals
    • Social Security
    • Medicaid
    • Home Health Care
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
    • Medicare Mentor Program
  • National General Life
    • RETIREMENT
    • NLG
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • Annuities
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up

PET INSURANCE - by EMBRACE

What Our Dog Insurance Plan Includes

Waiting Periods for Pet Health Insurance

What Our Dog Insurance Plan Includes

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What our Cat Insurance Plan Includes

Waiting Periods for Pet Health Insurance

What Our Dog Insurance Plan Includes

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Waiting Periods for Pet Health Insurance

Waiting Periods for Pet Health Insurance

Waiting Periods for Pet Health Insurance

Pet insurance waiting periods exist to prevent fraud and are required for all newly enrolling pets or new pets being added to an existing policy.

What is a waiting period? The waiting period is a short period of time at the beginning of the policy when coverage is restricted.  

How the Healthy Pet Deductible Works

How the Healthy Pet Deductible Works

Waiting Periods for Pet Health Insurance

Let’s say your cat has a $200 annual deductible:  Year 1: You don’t receive a claim reimbursement for an accident or illness = $50 credit  Year 2: Still no claim reimbursement = $50 credit ($100 total)  Year 3: Your cat gets sick and you submit a claim for $1,200. Your $200 deductible is reduced to $100 because of the Healthy Pet Deductible credit.  Year 4: Your deductible resets to $200 because the credit was used  When your pet’s annual deductible is decreased to $0, that’s as low as it can go. Your Healthy Pet Deductible credit is automatically applied when you’re eligible for reimbursement.

Reimbursable Items

How the Healthy Pet Deductible Works

Reimbursable Items

  • Wellness exam fees  
  • Vaccinations & titers  
  • Flea, tick, & heartworm preventatives  
  • Spay/neuter surgery  
  • Fecal & routine blood tests  
  • Microchipping  
  • Nutritional supplements  
  • Grooming  
  • Medicated shampoos  
  • Toe nail trimming  
  • Routine anal gland expression  
  • Wearable pet activity monitors  
  • Cremation or burial  
  • Gastropexy  
  • Preventative teeth cleaning  
  • Prescription diet food
  • Training  Routine chiropractic care 
  • Reiki, massage therapy, acupuncture 
  • Hip dysplasia exams, radiographs, or other OFA testing.

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