Here's a question that was posted for me over at the Invisible Voices discussion about pet insurance.
Question:
Let’s say in the year 1 I don’t get “continuing care” coverage and my cat gets sick. Embrace covers the vet bills. In the year two when I’m renewing my policy, do I then have an option of still purchasing continuing care, or not? If I do, that means that in the first year of insuring you don’t need to purchase continuing care. Jane
Answer:
Jane,
In the scenario you describe, you can pick up the continuing care option in year 2 but any illnesses in the first year would be considered pre-existing for the continuing care option going forward. In other words, you have to get continuing care now to have it apply to illnesses that occur in the first year.
Laura
