Dog Insurance · Pet Health Insurance Policies

Dog insurance to the rescue! Pets enhance our lives with their quirky ways, unconditional love and amusing antics. But just like humans, animals sometimes get sick and just like humans, healthcare can really mount up.

Of course if your pet pal gets sick, you as a responsible owner would see to it that your animal receives the medical help it needs, but a random bite to your dog or cat could end up in vet bills that are unmanageable.

It’s worth bearing in mind that insurance for dogs, cats or other pets can be a valuable investment to ensure your vets’ bills stay affordable. Some insurers even cover liability for dog bites, and that could come in handy.

Embrace Pet Insurance is one of a small group of pet insurers, all of whom will allow you to take your pet to any animal doctor in the USA, and some of whom will cover you in Canada, Mexico and other places you might be on vacation.

The advantage of taking out a health care policy for your canine pal with Embrace is that not only is it affordable, it is also flexible. You can customize your own policy, deciding everything from how much coverage you want, how much you want your premium to be and how much deductible you wish to pay with each claim.

In addition many insurers only cover standard issues such as non-elective surgery, anesthesia, blood tests, hospitalization, medication prescribed by a vet and visits to the clinic. Aspects which may not be covered are as minor as vaccinations, worming and complementary therapies, but they also may include serious considerations such as genetic and chronic disease.

Embrace aims to offer a superior package where health care for your pet comes first, as the terms are simple and claims are usually promptly and fairly dealt with.

Pet insurance is really popular in the UK with 20% of pets insured, compared to less than one per cent in the US. Vets enjoy offering these products to their clients as they know they are great value for the money, and will result in better health for the animal.

Insured pets tend to visit the clinic more often as their owners know they won’t get stung with a huge bill, so they tend to deal with problems when they are minor rather than leaving them to get bigger. The benefits of this do not need to be spelled out.

Embrace also looks for the cheapest option for pet insurance for their clients. They don’t recommend routine cover because they state the premiums would cost more than the treatment. Routine cover usually entails yearly check-ups, de-worming, spaying and neutering and so on. That’s not to say they don’t support routine care – they just want the cheapest and most affordable deal for the customer.

Of course, there are a few things to bear in mind…

Pre-existing conditions are unlikely to be covered unless there has been a year of no evidence of the condition. Also there is a waiting period before you can claim on your insurance. This is to prevent people rushing to buy insurance after their pet has gotten sick.

Homeowners would be mad to consider leaving their house uninsured, well the same has to be said for pet owners too. It’s easy to be complacent, thinking nothing would ever happen, but who wants to be in a situation where they cannot afford the vital care to save their pet’s life? The choice is yours…