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.