 Barked: Wed Apr 14, '10 11:35pm PST |
 | |  | | Go look at Pet Insurance Review. They're an independent site, and you can read customer reviews along with all the other information.
Not every company writes insurance in every state, and you can check on whether a particular company is available in your state, too.
I have Embrace insurance for Addy. You can choose your maximum coverage, your deductible, and your copay within certain ranges. There are discounts for multiple pets, for pets who are microchipped, for pets who are spayed/neutered. They will bill you either annually or monthly, and they'll switch from one to the other if your circumstances change. They cover genetic conditions and breed-specific conditions, as long as they haven't already been diagnosed when you sign up. Your reimbursement is based on your actual vet bill, not on a set "reasonable and customary" benefit schedule as with VPI (which can make a huge difference in the amount you actually get back.)
If something major is happening, and you have enough flexibility to do it in terms of how fast the treatment needs to be, you can contact them beforehand and get the treatment/costs pre-approved, so that you know beforehand what your reimbursement will be. That's optional, though, and you don't need to do that in order to collect.
Since they reimburse to you directly, it doesn't matter whether your vet is "willing to work with" Embrace. It will obviously make things easier if your vet will cooperate with them and with you, but even if your vet refuses, you can still go ahead with treatment knowing what you can expect for reimbursement.
And Embrace has fantastic customer service.
No, I don't work for them; I've just become a bit of a fan over the last couple of years.
Edited by author Thu Apr 15, '10 7:03am PST
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