Before you choose a veterinary pet insurance policy, you need to consider whether the provider requires pre-certification. This means they require prior approval before paying out a claim.
On the one hand, pre-certification gives you peace of mind. You know for certain your pet insurance provider will cover a treatment before you pay—and they typically pay these claims quicker because they pre-approved it. On the other hand, you may not have the time to fill out pre-certification forms before an emergency procedure.
Some companies, like VPI Pet Insurance, don’t require pre-certification. Embrace Pet Insurance makes it optional so you can ensure you’ll be reimbursed for some of the priciest treatments, including:
- MRIs
- CAT scans
- Hip replacements
- Home visits
- Any cost you anticipate will be over $1,000
You fill out a one-page form with your veterinarian, then Embrace gets back to you within 10 business days letting you know exactly what you can expect for reimbursement.
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