Pet Insurance Q&A from a potential policyholder, part 3

The final part of a 3 part series of questions and answers we at Embrace put together for a 20 question pet insurance Q&A sheet
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The questionaire is for a mixed breed (Border Collie features & traits), born Feb. 3, 2008, adopted w/microchip.  

1. Are there restrictions on surgeries? (actually question 12 but my numbering likes to restart - bah!) 
   I do not understand this question. I apologize. Typically if the actual condition or accident is covered, then the treatment surrounding it is also covered, aka the whole surgery.
2. Are there restrictions on chronic conditions?
   The Continuing Care guidelines that I mentioned above would apply. AKA 25% of your annual maximum.
3. What are the bases for the insurer to cancel, or decline to renew the pet’s insurance?
   We can only cancel based on nonpayment of premium or fraud on the pet parent’s part. You can cancel at any time though without penalty or fee.
4. Are there lifetime payout limits? If so, explain.
   No, just the annual max each year.
5. Are there restrictions on selection of licensed veterinarians?
   No as long as the vet is licensed in the US.
6. Is our pet covered for life, as long as policy is renewed on time each year?
   Yes.
7. We would like to pay annually, by credit card. Is there a discount for annual payment?
   Yes, 5%.
8. Is there any other discount available, for retired citizens, or other?
   That would depend on if you belong to specific organizations that receive a discount from us. Just let us know what you’re a part of and we can see.

Extra info from Kate who wrote the answers: We are one of the few insurance companies that do offer coverage for hereditary, genetic and congenital conditions.

Please don’t hesitate to call me if you have any more questions at 800-511-9172.

Related posts:
Pet Insurance Q&A from a potential policyholder, part 1
Pet Insurance Q&A from a potential policyholder, part 2

In the meantime, got any questions of your own for us?

PS. The answers were written up by Kate, one of our Customer Care Embracers in our Contact Center. Kate is also tweeting over at @embracepetins if you'd like to ask her a question.