Introducing the new Embrace Dental Rewards Plan, which covers the prevention and treatment of cat and dog dental disease!
Since Embrace launched in 2006, a few small things have been niggling me about our Embrace Pet Insurance policies, one being the way we covered dental illnesses:
- Dental accidents are covered in the base Embrace health insurance product, just like in the human world, but our dental illness treatment coverage was lumped in with our prescription drug coverage - many people wanted to buy them separately
- our dental illness treatment did not cover teeth cleaning, which disappointed pet parents :(
- and dental illness is generally preventable so it felt odd to have coverage for the illness without the prevention (the teeth cleaning)
So, when we worked on moving our policies over to our new insurance partner, RLI (see Embrace has a new insurance partner - A+ rated RLI Corp), we decided to do the whole thing over and the Embrace Dental Rewards Plan came about.
Here's what it covers:
Dental Rewards is just like the Wellness Rewards Program in that it is not insurance but something more akin to a health spending account for the prevention and treatment of pet dental illnesses.
- There are no sublimits on each procedure - you get to chose how you spend your money.
- There are no deductibles, no copays, and no waiting periods so you can use it right away.
- If you pay upfront for the year, you pay $101 less than the $400 benefit you can use so if you know you are going to have your dog or cat's teeth cleaned, you would make money on it. For monthly policies, the gain is about $53. (that's why it's called a Reward :) )
Note that:
- Dental accidents are still covered in your regular Embrace Pet Insurance accident and illness policy
- if you had the Drugs & Dental extension on your Lloyd's policy, you'll still have the Prescription Drugs plan on your RLI plan
We like preventing dental illness in our dogs and cats - don't you?
Related Posts - move to RLI
Embrace pet insurance policies finally move over to RLI!
Embrace moves 12 more states to RLI
Embrace has a new insurance partner - A+ rated RLI Corp
What the new Embrace / RLI partnership means for you - new terms and conditions
PennHIP Pet Insurance Discount now available at Embrace Pet Insurance
The new and improved Embrace Wellness Rewards program
Anyone interested in some Embrace Dental Rewards? Pick me, pick me!
Embrace Continuing Care Sublimits are gone!
Other interesting changes in the Embrace Pet Insurance policies
