How much does Embrace Pet Insurance cost?
What is pet insurance for?
Did you know that there is pet insurance? Many insurers offer pet policies that include pet damage, legal defense against claims, and other aspects. On the other hand, there are vets alike. If you’ve ever looked for information on pet insurance, you’ve probably heard of it too.
Equal and insurance are two different concepts, but both can benefit pet owners in different cases. If you didn’t know any of these services, you can discover them in the following lines and learn about their differences and advantages.
What is pet insurance? What are they for?
Pet insurance is nothing more than normal insurance, but they cover some veterinary expenses . Each insurance is different and the conditions depend on the type of insurance and insurance company contracted: monthly payments, limits, periods of stay and more.
Standard insurance covers the costs of veterinary care needed after your pet is injured or ill. The company pays only up to an annual maximum limit, which can vary depending on the insurance: € 1000, € 1500 and € 2000, among other monetary limits.
Visits, diagnostic tests, radiographs, laboratory tests, electrocardiograms, surgery, hospitalization, sacrifice and disposal of the body are generally covered, as appropriate.
However, it is very important that you read and understand the general conditions of each policy , which defines what is covered and what is expressly excluded. In these cases, it is better to be specific than to trust.
Usually treatments that are not the result of an accident or illness such as vaccinations, deworming, microchips, checkups, etc. they are not part of the costs covered by veterinary insurance. However, some insurances include free vaccinations. As always, it will depend on the company you hire.
Some companies have an agreed vet framework , but the usual thing is that they all allow you to go to the vet center of your choice, always asking for a bill for your pet’s care.
This benefit is very useful when traveling with your dog or visiting a veterinarian on duty. These are things that tend to happen more than you think in travel and certain situations and, therefore, it is always advisable to prevent any mishaps with this type of action.
Exotic pet insurance
No matter what species your pet is, well many insurers already offer this type of services for exotic pets such as exotic birds, snakes, turtles, lizards and small mammals.
These usually have accident coverage, veterinary assistance – like the previous ones – and civil liability, which covers the owner’s legal obligation for material and personal damage that the animal can cause to third parties, up to the maximum compensable under the conditions of the policy.
Safe or the same?
Equals are a kind of flat rate created by veterinary clinics which usually include discounts on food, treatment, surgery, deworming, a limited number of free consultations and vaccines, etc. This can be more or less complete depending on the veterinary center that offers it and have different modalities adapted to different budgets.
Equals are not safe for animals as such.
Differences between peers and pet insurance
The fundamental differences between the two concepts are as follows:
- Equals only offers advantages in their own facilities , as it is the clinic itself that creates the conditions. Insurance can have many partner veterinary clinics in different locations.
- The insurance includes more services that veterinary centers cannot offer, such as liability and legal defense. For dogs of a certain size, in many cases it is mandatory to take out civil liability insurance.
- Equals cannot cover the theft, loss or death of the animal.
In most cases, it is possible to include pets in home insurance purchased for the homes and belongings you have inside. Consult this option with competent professionals.
Medical insurance for pets is much more comprehensive than the others, but you need to know all the conditions well in order not to be surprised. Insurance is not mandatory for pets, but you can hire them to enjoy their benefits and the safety they give you in some cases.
Potentially dangerous dogs (PPPs) require mandatory insurance.
If you think you don’t need all the services that insurance offers and want to save money on your pet’s veterinary services, you also have the option of hiring a peer at a trusted veterinary clinic. Everything will depend on your budget and the conditions you are willing to hire.