Ten Things You Can Do to Enhance Your Embrace Pet Insurance Experience

Yay! You have your pet insurance policy in hand. Now what? Here are 10points we like to share onhow to havethebest experience possible in using that policy.

  1. Store the Embrace phone number on your cell phone800-511-9172 You never know when youll want to call in with questions about your coverage. Weve had people call in while drivingto the emergency clinic to check on their policy.
  2. Update your email friend listAdd Embrace to your friend list and set itto allow anything from @embracepetinsurance.comthrough. We email pretty much everything, some of which has attachments that some email systems dont like.Dont missout on important Embrace info.
  3. Print out 2 copies of your personalized Claim Form for each petPut one in your cars glove compartment in case of emergenciesand take one to your veterinary clinicand ask them to put it in your file. They can run off copies next time you should needa claim form, so it’s one less thing to think about during a health issue.
  4. Have your Pet checked by a veterinarianNot only is it a good idea, particularly if you dont have any health history for your pet (when it is required to start your insurance), but you can have your vet complete the Orthopedic Report Card to reduce the 6 month waiting period for orthopedic issues down to 14 days (only needed for dogs).This will ensure that you’re covered in the first six monthsin the event of something like a ligament tear or a broken bone. And, you can take care of task #5 too while you are there…
  5. Fax in your pets health history800-238-1042 (its on your claim form too – the one you are going to put in your pets file, right?) Specifically, ask your vet to fax us your doctors hand written notes (aka SOAP)for every vet visit your pethas made,including routine visits and for every vet including one-off visits to other clinics. If your pet is older than a year old, start with the last years worth of history. We’ll even review your pet’s records to let you know if we find any pre-existing conditions that might affect future claims – just ask for a Medical History Review.
  6. Maximize your discountsWe offer discounts for spayed/neutered pets (5%) and microchipped pets (another 5%) so if your pet wasnt spayed or neutered and/or microchipped when you signed up for your insurance but that changes, phone in (remember the number?) and let us know. Well drop your premium immediately. Your policy has a deductible and copay component so to be financially prudent, you might want to set up a small fund to cover your annual deductible and copay. For example, if your annual deductible is $200 and your copay is 20%, you will be paying the first $200 of a claim and then 20% of the total thereafter. On a $500 claim, thats $260 out of pocket and on a $1,500 claim (about what an inexpensive cruciate repair costs), thats $460.
  7. Read your terms and conditions! I know, this is so obvious, why should I even mention it? But my experience is that only 1 in 10 pet parents actually read their policies (you can be the 1 in 10 for today, right?). At the very least, check your information is correct and your policy is what you asked for. Then read the rest of the policy;understanding your terms and conditions willmake for a much better pet insurance experience.
  8. Set up your own pet health savings accountYour policy has a deductible and copay component, so to be financially prudent, you might want to set up a small fund to cover your annual deductible and copay. For example, if your annual deductible is $200 and your copay is 20%, you will be paying the first $200 of a claim and then 20% of the total thereafter. On a $500 claim, thats $260 out of pocket and on a $1,500 claim (about what an inexpensive cruciate repair costs), thats $460.
  9. Friend Embraceon FacebookYoull find lively conversation about Embrace, the pets in our lives, and news and views on pet insurance. We’ll also keep you informed of your options and ways to save money on your pet expenses.
  10. Call us with your questionsThe number again is 800-511-9172 (of course, its already on your cell phone, right?) Now that youve read your policy, you probably have questions. Call now to get those questions answered that from the lobby of your local emergency vet clinic.
  11. And bonus points -send us photos of you and your Embraced pets. We love the cute and fuzzies and you might see them in the Embrace newsletter “Belly Rubs” one day!

Similar Posts:

Share

Leave a Reply