Just so you know exactly what some of the terms in my prior post on Embrace Pet Insurance's pre-existing conditions mean:
A chronic condition is a detectible condition that, once developed, is deemed incurable or likely to continue for the remainder of a pet’s life.
Clinical signs are changes in a pet's normal healthy state, bodily function or behavior.
The effective date means the date on which your coverage begins as stated on the Declaration. (the start date of the current policy period.
Sorry to bore you with these legal looking terms, but I wanted to point something out. If you read these definitions carefully, you'll see that your pet's pre-existing conditions get reset every time your policy renews, which, for most of you, not exactly what you'd want in your pet insurance policy.
So, we offer our optional Continuing Care coverage:
Continuing Care Coverage Extension: We will reimburse you for the cost of treatment your pet receives in the current period of insurance for a) an illness that first showed clinical signs in a prior period of insurance, or b) for an Injury that occurred in a prior period of insurance, with benefits totaling no more than the continuing care maximum shown on the schedule page(s).
This way, you get to see exactly what this benefit costs and if it's worth it to you to add it to your policy.
BTW, this just shows that you need to ask other pet insurers what they cover because when continuing care is not explicitly mentioned in policies, it might not be covered. Don't assume it is covered.
Related Posts: Pre-Existing Condition Part 1, Pre-Existing Condition Part 2
