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Embrace Pet Insurance

Thursday, August 19, 2010

Embrace Continuing Care Sublimits have gone!

No more sublimit on the Embrace continuing care benefit for those Embrace policies with RLI as underwriter (see Embrace has a new insurance partner - A+ rated RLI Corp).

Yesterday, I talked about cleaning up some niggling things about the Embrace Pet Insurance product, specifically the Embrace dental illness coverage.

Today, we talk about the old Embrace continuing care sublimit of 25% of the annual limit in the second year of the condition.

I've never liked the sublimit but it was something that Lloyd's felt strongly about so that is what we offered. Now that we have some claims experience under our belts, RLI agreed with us that we could remove the sublimit if we added a lifetime limit of $50,000, so we agreed - woohoo! I'm thinking that a $50,000 lifetime limit is more than enough for any one dog or cat, don't you think?

So, what does mean for those of you with Lloyd's policies. To set the stage, there are 23 RLI states at the moment, with more coming every week (see Lloyd's and RLI states here). I can't guarantee when all the states will convert over but we're working hard to make it ASAP with a little fairy dust and Department of Insurance good will (please please please DOI ...)

[as an aside to those of you not in the insurance industry - you have no idea how inefficient the process of filing in 51 jurisdictions is (I'm being polite since I really want our policies to get approved!)]

But I digress...

In summary:

If you bought a Lloyd's policy recently, likely you will renew into an RLI policy. The good news for you is that the continuing care sublimit will have no impact on you since it only comes into effect in the second year (and you'll be cozy with RLI by then)
If your renewal is coming up and you are in one of the RLI states, you also will have no continuing care sublimit (list of RLI states)
If your renewal is coming up and you are in a Lloyd's state, chances are you are going to renew into a Lloyd's state and continue on with your policy as it is now (list of LLoyd's states). But when you renew in 2011, you will move to RLI at that time.

The interesting thing about the continuing care sublimit is that is had very little claims impact in the grand scheme of things but people felt it very restrictive (can't blame them - I agree!) so I'm glad we got rid of it.

Any questions?

Posted by Laura on Thursday, August 19, 2010 at 07:45 AM in Embrace Pet Insurance, Embrace products, pet insurance , pet insurance news, RLI Corp | Permalink | Comments (2)

Monday, August 16, 2010

PennHIP Pet Insurance Discount now available at Embrace Pet Insurance

Embrace has always been proud to be one of the very few companies that covers hip dysplasia, but now, as part of our move to RLI as our new insurance underwriter, we’re excited to offer a 5% discount as an additional incentive for pet parents that utilize the PennHIP (University of Pennsylvania Hip Improvement Program) test.

PennHIP testing is offered in hopes to help reduce the frequency of hip dysplasia. Once a pet parent has a series of hip x-rays completed, the films are screened and graded by a certified vet and entered into a veterinary database to help analyze dysplasia severity and frequency.

PennHIP testing is valuable for breeders that want to ensure that their puppies are not likely to develop hip dysplasia, and should be considered necessary for anyone looking for a healthy puppy, if that breed is likely to develop hip dysplasia.

In order to qualify for the Embrace PennHIP discount, your pet must have received a score of 0.3 or less. If your pet qualifies, fax (800-238-1042) or e-mail (claims@embracepetinsurance.com) his/her test scores to us and we’ll take care of the rest.

[Note that this discount applies to RLI policies only, so if you currently have a Lloyd's policy with Embrace, send in the information in advance for when your policy renews to an RLI policy.]

Posted by Laura on Monday, August 16, 2010 at 05:02 AM in Embrace Pet Insurance, pet insurance , pet insurance news, RLI Corp | Permalink | Comments (0)

What the new Embrace / RLI partnership means for you - new terms and conditions

As you may know, we have a new partnership with RLI Corp who is underwriting the Embrace Pet Insurance policies in certain states at present (for an up-to-date list, see the Embrace Pet Insurance website.)

As part of that transition, we have updated the Embrace Pet Insurance terms and conditions. I have summarized the RLI differences below - I think you will find these to your liking.

Improvement:
The RLI terms and conditions document is only 8 pages long so it is much more readable than our previous that was 20+ pages long!
Clarification of our current practice:
We removed the term UCR (usual, customary and reasonably payments) regarding our claim payments and clarified that we pay based on the actual vet bill the pet parent paid - since this is what we actually do. No point confusing things unnecessarily.
Clarification of our current practice:
The claims appeals process has been added – pretty much what we do now with the addition of a second appeal determined by an impartial veterinarian.
Relaxation of terms:
We removed the arbitration clause - RLI's legal group prefer it that way
Relaxation of terms:
The claims submission period has been increased to 90 days, up from 60 days it used to be
Moving some coverage pieces around:
We used to cover dental illness in the Drugs & Dental optional coverage but many people found it expensive and hard to understand. So, we moved the dental illness coverage to our new Dental Rewards coverage, which is packaged with dental cleanings (more on this new coverage later this week). As a result, the Drugs & Dental optional coverage has been renamed by Prescription Drug optional coverage with a corresponding decrease in cost.
Coverage increase:
This is a biggie - we have removed the annual sublimit for continuing care issues. Now, any conditions, new or ongoing, comes under the full annual limit you've picked. We have added a new $50,000 lifetime limit. This is a wonderful improvement for our pet parents.
Clarification of our coverage:
We have now clarified that preventative sterilization surgery is excluded, such as for treatment for cryptorchidism, chimerism, or chromasonal abnormalities. We do not cover spay or neuter in our insurance coverage (it is covered in our Wellness Rewards coverage) but it was unclear what we do for preventative sterilizations surgery. While it's not covered in the insurance coverage, it is covered in our wellness coverage.

In addition to these insurance policy changes, we have also updated the Wellness Rewards coverage and added another coverage level - Wellness Rewards Plus. More details on the wellness coverage tomorrow.

I am really excited about all these changes. Most of them come in response to your comments and suggestions about our policy terms.

So you can thank your fellow Embraced pet parents for these delicious changes that will make your Embrace experience all the more better.

Download RLI terms and conditions 05.10
Download Declaration Page and Schedule of Insured Pets sample (these would be specific to you and your pets)

Posted by Laura on Monday, August 16, 2010 at 05:01 AM in Embrace Pet Insurance, Embrace products, passion for pets, pet insurance , pet insurance news, RLI Corp | Permalink | Comments (2)

Embrace has a new insurance partner - A+ rated RLI Corp

Woohoo! Drum roll please - a big moment for Embrace...

As of today, Embrace is selling RLI Corporation pet insurance policies in 23 states (see the list at the bottom of the post). We are in the process of rolling out all 51 jurisdicitions we work in, so if your state isn't in the list below, it will be soon.

Why are we changing insurance underwriters?
Our current underwriter, Lloyd's of London, has been wonderful for Embrace but we have outgrown them here in the US. This is not a surprise and we knew it was going to happen at some point and now the time has come.

We are very grateful and appreciative of the support and help our Lloyd's syndicate Brit has given us since well before we sold our first policy in 2006. We would not be here without their support.

Who is RLI?
I am absolutely delighted to partner with RLI Corp. Here are my top 5 reasons for partnering with RLI, from the most obvious down to the most important:

RLI is A+rated by AM Best, meaning that RLI has a superior ability to meet its ongoing insurance obligations - a most important characteristic if you want a company that is going to be there in the future when you need it the most.
RLI has been named as one of the insurance industry's top performing companies by the Ward Group for the 20th consecutive year. RLI is one of only five property and casualty insurers to have been recognized for excellence among 3,000 property and casualty insurers every year since the inception of the Ward's 50® Top P&C Performers in 1991.
RLI is a specialty insurance company serving niche or underserved markets. So they know how to handle nice marketplaces and knows what it takes to succeed.
RLI had an entrepreneurial start in contact lens insurance and still cultivates its entrepreneurial culture. This is very important to me because I want and need an insurance partner that is going to understand the entpreneurial culture at Embrace.
RLI has an amazing culture with strong people who are wonderful to work with. The people we are dealing with is the most important aspect of the Embrace partnership with RLI since these are the people we are "married" to in this partnership. Two separate companies working together as one is not as simple as it seems. Trust in, and respect for, one another is key and there is no shortage of trust and respect between us. That's such a relief for me on behalf of our Embrace pet parents.

Check out "What the new Embrace RLI partnership means for you" where I talk about the policy terms and conditions changes. We have a lot of policy enhancements I know you are going to like.

States that have converted over to RLI policies (for an up-to-date list, see the Embrace Pet Insurance website):

Alabama	Illinois	Maine	New Jersey	Texas
Arizona	Indiana	Michigan	Ohio	Utah
Arkansas	Iowa	Mississippi	Oregon	Wisconsin
Colorado	Kansas	Montana	Pennsylvania
District of Columbia	Kentucky	Nebraska	South Dakota

Posted by Laura on Monday, August 16, 2010 at 04:59 AM in Embrace Pet Insurance, Embrace products, pet insurance , pet insurance news, RLI Corp | Permalink | Comments (0)

Friday, July 16, 2010

Claim Example: Cherry Eye in Koa, a Bulldog puppy

The English Bulldog is instantly recognizable by their wrinkly faces and barrel-chested physique. But, in the veterinary world, Bulldogs are notorious for their eye problems.

Dewey and Koa, both English Bulldogs in Newcastle, DE, were no exception. Starting out with a corneal ulcer in March 2009, Dewey was the first to have troubles. By May, he underwent surgery to correct Cherry Eye (also known by the convoluted name of prolapsed gland of the third eyelid), a painful condition in which the third eye lid is prolapsed, forming a red bubble in front of the eye.

Later that year, Dewey became a big brother when Koa came home. But poor Koa wasn’t even four months old when he was diagnosed with his own case of cherry eye. So, in he went for his own corrective cherry eye surgery, and follow up treatments.

Dewey and Koa are now back to normal, happy and healthy bulldogs again.

Dewey: Total cost for Cherry Eye Surgery: $524.07
Annual Deductible remaining: $0.00*
10 % Co-pay: 52.41
Reimbursement: $471.66
*Dewey had already met his annual deductible with prior claims for illnesses

Koa: Total cost for Cherry Eye Surgery: $626.22
Annual Deductible remaining: $200.00
10 % Co-pay: 42.62
Reimbursement: $383.60

Details on Koa's claim:
This claim is pretty typical of many Cherry Eye correction surgeries in that the correction was done at the same time Koa was neutered. Since Koa's insurance policy does not cover neutering (but our optional wellness plan does), the anesthesia was proportioned to 75% cherry eye correction and 25% neutering and covered accordingly (highlighted below).

ITEM	BILLED AMOUNT	ALLOWABLE CHARGES	COVERAGE TYPE	COVERED IN POLICY?	COVERED CHARGES
Triple Antibiotic Eye Ointment	$ 13.44	$ 13.44	IL	Y	$ 13.44
Additional Anesth. Maintenance/30 min.	$ 41.16	$ 30.87	IL	Y	$ 30.87
Neuter Canine 21-40 lbs	$ 195.00	$ 195.00	RC	N	$ 0.00
Hardarian Gland Tack	$ 276.86	$ 276.86	IL	Y	$ 276.86
Surgical Ophthalmic Pack	$ 30.76	$ 30.76	IL	Y	$ 30.76
Inhalation Anesthetic Maintenance	$ 64.68	$ 48.51	IL	Y	$ 48.51
Intravenous Induction	$ 25.87	$ 25.87	IL	Y	$ 25.87
IV Catheterization-Surgical	$ 26.00	$ 26.00	IL	Y	$ 26.00
Pain Management Injection	$ 19.93	$ 19.93	IL	Y	$ 19.93
Pre Anesthetic Medication	$ 25.87	$ 25.87	IL	Y	$ 25.87
Examination (Pre-Anesthesia)	$ 0.00	$ 0.00	IL	Y	$ 0.00
2.5 Novox 75 mg.	$ 17.55	$ 17.55	DD	Y	$ 17.55
5 Tramadol 50 mg.	$ 17.55	$ 17.55	DD	Y	$ 17.55
Soft Recovery Collar Canine 17 cm	$ 15.64	$ 15.64	IL	Y	$ 15.64
Canine H3N8 Influenza Vaccine, 1st	$ 25.00	$ 25.00	RC	N	$ 0.00
Tobramycin 0.3% Ophthalmic Soln 5 ml	$ 13.82	$ 13.82	DD	Y	$ 13.82
Recheck Visit-Brief	$ 32.66	$ 32.66	IL	Y	$ 32.66
14 Clavamox (Antibiotic) 125 mg.	$ 30.89	$ 30.89	DD	Y	$ 30.89
	$ 872.68	$ 846.22			$ 626.22

So the total claim reimbursement was $383.60, which is calculated below (this is the detail we send out in our explanation of benefits):

STEP 1: Calculate Potential Refund
Billed Amount:		$ 872.68
Covered Charges:		$ 626.22
Annual deductible remaining		$ 200.00
	subtotal	$ 426.22
Copay 10%	(your copayment)	$ 42.62
Potential Refund		$ 383.60


STEP 2: Compare potential refund against your annual maximums
Annual Maximum		$ 10,000.00
Prior refunds for this policy year		$ 0.00
Coverage remaining		$ 10,000.00

Your total refund is:		$ 383.60

Koa's policy ($200 annual deductible, 10% copay, $10,000 annual maximum, drugs and dental extension, no wellness coverage) costs $63.65 a month. Koa's premium is higher than many dogs because English Bulldogs have more hereditary conditions than most breeds, all else being equal.

Dr Janet Tobiasson Crosby will be writing more about Cherry Eye treatment and surgery in a blog entry next week.

Related Posts:
July is Eye Month at Embrace Pet Insurance
Claim Example: Cherry Eye in Koa, a Bulldog puppy
Cataract surgery claim example: Nala 2 yr old Papillon
Guest post: cherry eye treatment options
Guest Post: lens luxation in a Dalmation

Posted by Laura on Friday, July 16, 2010 at 07:48 AM in Embrace case studies, Embrace Pet Insurance, Embraced pets, pet health, pet insurance , pet stories | Permalink | Comments (1)

Thursday, July 15, 2010

Ask Laura: what happens to my Embrace pet insurance policy when I die

As they say, Death, while not a very savory topic of discussion, is one of the only guaranteed things in life. So, I thought it very interesting to get this thoughtful question from one of our policyholders, Reed C.

Question:

My husband and I are updating our Wills, and I am wondering, in the event of my death, would my Embrace policies be automatically cancelled? I would like to know what would happen to the policy were I to die and my husband would survive me --- would it continue as long as paid the premiums? He is currently not named in the policy. Can we arrange for this?

Secondly, were my husband and I both to die simultaneously, we have made arrangements for my sister to take both Otis and Gracie. Would the policy continue with her? If not, can we arrange for that?

I know this isn't the most pleasant topic, but we are dedicated to our pets, and want to plan for them should the worst happen. Thank you in advance for your help.

Answer:

Reed, what a thoughtful question!

If the named policyholders died (currently you but we can add your husband – more on that later), we would just continue the policy until further instructions from the estate. In your case, you’ve put instructions to transfer to your sister so we would honor that without a break in the policy; however, if she decided to cancel the policy after that, we would have to honor that too.

If you’d like to add your husband as a named insured, just call in (800 511 9172) or email me with his name and we’ll have him added. He’ll have the same powers as you over the policy, including to cancel it. You would be notified if the policy was cancelled by him of course!

Got any other questions on estate planning for your dog or cat?

Posted by Laura on Thursday, July 15, 2010 at 07:20 AM in Ask Laura, Embrace Pet Insurance, Embraced pets, passion for pets, pet insurance | Permalink | Comments (1)

Wednesday, July 14, 2010

Cataract surgery claim example: Nala 2 yr old Papillon

Cataracts are no fun but imagine your sadness when your 2 year old dog gets a cataract? Poor Nala had a cataract diagnosed in her left eye but the good news was that her retina was not detached so surgery was a good option to restore her eyesight in that eye.

The surgeon did another ultrasound right before the surgery to check the retina was still attached and went ahead with the less invasive “phacoemulsification” technique where sound waves are used to dissolve the structure of the lens while a small suction device removes the broken down bits. After both removal and phacoemulsification procedures and new artificial lens was inserted so Nala could see again.

Pretty neat don't you think?

DATE	ITEM	BILLED AMOUNT
6/29/2010	Ultrasound	$ 0.00
6/29/2010	Anes & Monitoring	$ 96.06
6/29/2010	Ket/Val Iso	$ 136.38
6/29/2010	Hosp	$ 78.13
6/29/2010	Atracurium Inj	$ 15.75
6/29/2010	Dexamethasone Inj	$ 15.68
6/29/2010	Carbachol Inj	$ 107.81
6/29/2010	Cefazolin Inj	$ 16.13
6/29/2010	Torbutrol Inj	$ 17.03
6/29/2010	Neomycin/Poly/Dex	$ 20.60
6/29/2010	Visco Supreme	$ 81.63
6/29/2010	Prof Surgical Serv	$1,514.23
6/29/2010	Ocular Pack #1	$ 71.94
6/29/2010	Ocular Pack #3	$ 44.50
6/29/2010	Phacoemulsification Mach	$ 177.69
6/29/2010	Minor Surg Prep	$ 19.44
6/29/2010	Sterile Supplies	$ 241.13
6/29/2010	Suture Material 4.0	$ 34.25
6/29/2010	Suture Material 7.0	$ 109.31
6/29/2010	IV Fluids	$ 44.94
6/29/2010	IV Cath	$ 69.94
6/29/2010	Neomycin/Poly/Dex	$ 20.60
6/29/2010	Tropicamide 1% Sol	$ 31.10
6/29/2010	Hosp	$ 78.13
6/29/2010	Intraocular Pressure	$ 30.38
6/29/2010	Cefazolin Inj	$ 17.13
6/30/2010	Prednisone 20	$ 7.95
6/29/2010	Amoxi Tabs 5	$ 7.95
Total		$3,105.81

Of the $3,105.81 total cost of the surgery, $3,017.61 was covered by Nala's policy as the prescription drug option was not selected for her policy.

Since Nala's $100 annual deductible was already used up for the year, her reimbursement for this surgery was $2,715.85 (= $3,017.61 - 10%*$3,017.61)

Nala's lives in Amesbury MA (becuase location impacts veterinary costs and premiums) and her policy costs $41.49 a month for the accident and illness portion of her coverage, plus another $14.95 a month for her wellness coverage.

Related Posts:
July is Eye Month at Embrace Pet Insurance
Claim Example: Cherry Eye in Koa, a Bulldog puppy
Cataract surgery claim example: Nala 2 yr old Papillon
Guest post: cherry eye treatment options
Guest Post: lens luxation in a Dalmation

Posted by Laura on Wednesday, July 14, 2010 at 07:26 AM in Embrace case studies, Embrace Pet Insurance, pet health | Permalink | Comments (0)

Monday, April 26, 2010

Cancer Claim Example: Anal Sac Apocrine Gland Adenocarcinoma

Tyson, a mixed breed dog, was 8 years old when his owner noticed his anal glands appeared swollen. A quick visit to the vet found a 6 cm mass and a cell cytology showed uniform sheets of delicate neuroendocrine type cells indicating an Anal Sac Apocrine Gland Adenocarcinoma.

Follow on x-rays and ultrasound was done to determine if the cancer had metastasized (spread) internally but luckily, it did not appear it had done so, which is good news since this type of cancer spreads early and quickly.

Tyson's cancer specialists recommended aggressive treatment: surgery was performed to remove the mass and radiation therapy was administered over 20 sessions to (the cost of which alone was estimated to be $6,300 on his treatment pre-certification.)

The cost for this treatment was substantial as you can see below.

Diagnosis	Claim Amount	Covered Amount	Paid Amount	Total Paid Policy Term	Date of Service From
Cytology of Mass on Hind Quarters	160.00	160.00	0.00	0.00	6/15/2009
Anal Sac Apocrine Gland Adenocarcinoma (Radiographs & Ultrasounds)	575.00	575.00	211.50	211.50	6/19/2009
Pre-Surgical Consult for Surgical Removal of Anal Sac Apocrine Gland Adenocarcenoma	110.00	110.00	99.00	310.50	6/24/2009
Surgical Removal of Anal Sac Apocrine Gland Adenocarcenoma / (prev. Pre-Cert)	1,800.20	1,800.20	1,620.18	1,930.68	6/26/2009
Post Surgery Anal Sac Removal Stitches and Medication	112.64	112.62	101.36	2,032.04	7/1/2009
Post Anal Sac Removal Surgery, Medications	59.00	59.00	53.10	2,085.14	7/6/2009
Consultation Exam for Radiation Treatments	120.00	120.00	108.00	2,193.14	7/9/2009
Radiation for Anal Sac Apocrine Gland Adenocarcinoma / previous pre-cert	1,124.50	1,124.50	1,012.05	3,205.19	7/20/2009
Radiation Treatment (wk 1 of 4)	2,009.00	2,009.00	1,808.10	5,013.29	7/31/2009
Radiation Treatment (wk 2 of 4)	1,151.60	1,151.60	1,036.44	6,049.73	8/7/2009
Radiation Treatments (wk 3 of 4)	1,172.00	1,172.00	1,054.80	7,104.53	8/14/2009
Radiation Treatement (wk 4 of 4)	1,067.50	1,067.50	960.75	8,065.28	8/17/2009
Post radiation exam	82.50	82.50	74.25	8,139.53	10/1/2009
re-check 3 month examination	67.50	67.50	60.75	8,200.28	1/11/2010

Embrace Pet Insurance Policy: $500 annual deductible; $10,000 annual maximum; 10% copay; prescription drugs covered. Annual premium $514.25

The majority of Tyson's cancer treatment costs came from treatment at a specialized cancer clinic in Dallas TX in 2009. The total cost of treatment was $9,611.44 with pet insurance reimbursement of $8,200.28 (=$9,611.44 - $500 deductible * (1 - 10% copay)).

According to an article in DVM360 on anal sac adenocarcinomas, Tyson's prognosis is fair, with a projected survival time of 19 months given the tumor was less than 10 cm and the absense of hypercalcemia. Sadly it is unlikely that Tyson's cancer it cured but the treatment has certainly given him a longer and better quality of life that if he had not had the treatment.

Sending positive thoughts Tyson's way...

Posted by Laura on Monday, April 26, 2010 at 08:11 AM in Embrace case studies, Embrace Pet Insurance | Permalink | Comments (0)

Tuesday, April 20, 2010

You know you work in a Pet Insurance Claims Department when...

We take our jobs very seriously here at Embrace but every now and then, we have a laugh at ourselves to keep our feet on the ground.

So, here's a little pet insurance inside humor from our claims department, for those of you who live your lives day in, day out buried in pet insurance claims.

You know you are in the Embrace Pet Insurance Claims Department when...

...people tell you about their pet's illness stories (at work or away) and your first thoughts are all of the things that would be excluded in a medical history review
...you want to scream from the rooftops to get an orthopedic waiver done
...the electronic fax queue has an enormous file in it and you are praying it’s medical history for a claim you’re working on
...you become proud of yourself for being able to read the worst handwriting in the world
...a breed of dog is mentioned and you begin listing all of the genetic issues they have in your head
...your thoughts are constantly centered around how to increase productivity & efficiency, in the office or at home
...the term “applied to Continuing Care” makes you cringe
...you’re more familiar with Microsoft Excel than Microsoft Word
...it no longer surprises you what a pet will eat
...you compete with yourself every day to see how many claims you can process
...you see a bulldog owner and automatically offer them your card or an Embrace brochure

For those of you with other pet insurers, please add your own in the comments. Don't worry, I won't tell your boss you wrote on my blog :)

Posted by Laura on Tuesday, April 20, 2010 at 08:24 AM in Embrace Pet Insurance, fun facts | Permalink | Comments (2)

Monday, April 19, 2010

Cancer claim example: Grade III Mast Cell Tumor

Miel was 6 years old when Nisha discovered he had mast cell tumors on his neck, collar bone and right leg. Through ultrasound, she also found out that Miel had enlarged nodes internally as well.

Mast cells are the cells in the skin and connective tissue (among other places) and play a protective role in wound healing, a well as inflamation in allergies and analphylactic shock.

Grade III mast cell tumors are the most aggressive of mast cells tumors (Grade I being the least) and are the most likely to rapidly metastasize. This grade of mast cell tumor is the least common but also the most deadly.

Miel's cancer treatment lasted 6 months, including one surgery and at least seven rounds of varying types of chemotherapy treatment. The skin masses appeared to improve over that time; however, the cancer spread further inside Miel's intestinal area, severely narrowing his rectal passage and finally his urinary tract, forcing the decision to euthanize Miel at the end of his brave cancer battle.

Nisha was a medical student when she bought Miel's policy (when he was 5 years old), figuring she really didn't have any spare cash if something expensive should happen to Miel.

Embrace Pet Insurance Policy: $200 annual deductible; $5,000 annual maximum; 20% copay; prescription drugs covered. Monthly premium $35.90

Miel's cancer treatment costs at a veterinary clinic in Washington DC in 2008 were a total of $5,659.37 with pet insurance reimbursement of $4,367.50 (=$5,659.37 - $200 deductible * (1 - 20% copay).

___________________________________

Are you about to go through cancer treatments with your dog or cat? If you would like to share, we'd all like to pass on our positive thoughts for your pet's strong recovery.

Posted by Laura on Monday, April 19, 2010 at 07:49 AM in Embrace case studies, Embrace Pet Insurance, Embraced pets, pet health, pet insurance | Permalink | Comments (2)

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