PET INSURANCE - by EMBRACE

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.  

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.

• 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.