One of our Customer Care Embracers, Lea, very kindly offered to do a guest blog for me as I catch up from my 2 weeks away from the office.
Lea is well experienced at blogging as she also writes the Embrace Pet Community blog and has several personal blogs as well.
Thanks Lea for the excellent post!
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In the course of a day, we Customer Care Embracers get the opportunity to talk with pet parents across the country, each of them looking for something different. I hear many of you looking to avoid some of the 'sting' of vet expenses. Even a $300 bill can hurt the budget if it comes up at the wrong time.
Some of our callers are looking for help in reducing the costs of their routine or wellness care. No doubt, these items can be expensive too, but since you know they're going to come up each year, you can plan and budget for these things.
But you don't have to plan for your human wellness care, right? 
The best explanation as to why we don't cover wellness care is to compare pet insurance to auto insurance. (I know as well as you do that pets and cars are very different, but hear me out.)
If your auto insurance were to cover your oil changes, they'd cut you a check for, say, $30 three or four times a year. But since they know they have to give you this $30 every 3,000 miles, they would have charge you that same $30 in your premiums, plus the claims costs. So now instead of you saving money, you've just given the insurance company maybe $40 in premium, to get back $30.
Think of a vaccination like your car's oil change - it's something that is recommended for the long-term benefit, but it's also a smaller, more budget-able expense.
But if you're in a major auto accident, your insurance company helps you repair the car. This was not something you could have planned for, wouldn't likely have been able to save up for, and therefore would have put you in a pretty tough spot financially, right? Your auto insurance helps you manage the risks associated with driving, just as Embrace helps you manage the risks associated with pet ownerships.
We're here for your pet's little ‘fender benders’ and catastrophic ‘collisions’.
