Our latest press release titled Embrace Pet Insurance Now Covers Chronic and Recurring Illnesses draws attention to the fact that it is important to have chronic and recurring illness coverage in your pet insurance policy as not every company does (and they aren't very upfront about that fact so you don't want to get caught out - always check).
"Owners of dogs and cats can be in for a shock when faced with a large vet bill after their pet is ill or gets in an accident. Many vets now offer diagnostic techniques, treatments and surgical procedures that used to be only available for humans -- but the costs can be in the thousands of dollars.
"Treatment for an incurable condition such as epilepsy, diabetes or hyperthyroidism can extend over the life of the pet, so pet owner needs to make sure their pet's insurance covers treatment over the course of many years," recommends Bennett."
At Embrace, we cover ongoing chronic conditions in our policy under our Continuing Care benefit and if you include our prescription drug and dental illness coverage, those are also included in your continuing coverage.
Currently, our maximum for continuing care claims is the same as whatever you chose for your policy maximum for the first year of the illness and then it drops to 25% of the maximum for years two and onwards (the drop only occurs for continuing conditions, not new conditions) but we are working on our underwriter, Lloyd's of London, to remove the 25% restriction. We shall see if we are successful on that - wish us luck :)
So with Embrace Pet Insurance, you don't need to worry that when your dog or cat gets sick while insured, the condition will become pre-existing after you've been insured for a while. Who'd want insurance that does that?