Embrace Pet Insurance dental, like other pet insurance plans, is a bit different from health insurance from humans. It's important to note that it doesn't generally cover pre-existing conditions unless the pet has been symptomless and without treatment for a year or more, nor does it cover treatment related to pregnancy.
Its standard plan covers a percentage of vet bills including for dental illness, but you'll generally still have some out-of-pocket expense for the percentage not covered when you take your pet to the vet.
Plans generally include an annual limit, a deductible, and a percentage of each veterinary expense for which you must pay out-of-pocket. These affect your premium and can be decided when you sign up for a plan. Unlike some embrace pet insurance dental plans, Embrace does not have a lifetime max that it will pay for a pet's covered treatments, and the company says that it will not cancel coverage for a pet except for nonpayment.
Pets aged 15 years or over who aren't already covered by an embrace pet insurance dental plan are limited to accident-only coverage from Embrace, which doesn't cover most medical illnesses. The Embrace plans in general don't cover routine care and things like grooming. You can buy a separate wellness plan that covers some such expenses per year.
What Is The Importance of Embracing Pet Insurance Dental care?
According to Tufts University, about 80% of dogs and 70% of cats over the age of three show signs of oral disease by the time they are three years old.
This widespread prevalence at such a young age presents a cost risk to insurance providers, which is why they often limit or deny dental coverage. For example, they typically set a maximum reimbursement rate, exclude coverage for specific treatments, and deny claims pertaining to pre-existing conditions.
The cost of treatment for pet dental issues can be very expensive without the embrace pet insurance dental.
Many pet insurance plans include coverage for treatments related to oral injury and dental disease in pets, but coverage for routine cleanings usually falls under a separate preventative care plan.
Embrace pet insurance dental companies do not provide coverage for pre-existing conditions, so it's best to enroll your animal as soon as possible.
How do I find the best dental insurance for my dog or cat?
Policy Advisor makes it easy to find the best dental insurance plan for pets. That’s because we’ve read all the fine print on top providers’ policies, so you don’t have to.
When shopping for an embrace pet insurance dental plan on Policy Advisor, you can view each policy’s covered items and exclusions in the “Coverage Details" section after you search for and click on a quote. If you want to see what types of dental treatments are covered, just scroll down to the “Dental” section.
Which embrace pet insurance do companies cover dental treatment?
Most embrace pet insurance dental providers offer some form of dental coverage for dogs and cats, but every plan is different. You can find pet dental plans from all of the insurance companies that partner with Policy Advisor, including:
-Hartville Pet Insurance
-Pet’s First Pet Insurance
-Petplan Pet Insurance
-Pets Best Pet Insurance
How do you add pet dental insurance?
Most of the best embrace pet insurance dental providers include dental treatment related to accidents and illnesses that occur after the policy goes into effect by default. If you would like routine care included within your embrace pet insurance dental plan, you’ll typically need to add a preventative care plan.
ASPCA Pet Insurance plans offer generous coverage for dental issues, but you’d need to sign up for one of their Preventive Care options if you want to get coverage for routine dental cleanings. Otherwise, you’ll have to pay for these expenses out of pocket.
What Dental Treatments Are Excluded By Embrace Pet Insurance Dental?
Embrace pet insurance dental have a routine teeth cleanings are considered preventative care, so they typically do not qualify for coverage under traditional accident/illness plans. However, most pet insurance providers offer supplemental pet wellness plans that can reimburse you for cat or dog dental cleaning costs.
Some companies may have coverage requirements based on your pet’s age, for example, requiring a vet to perform an oral inspection to identify existing health concerns when enrolling pets over the age of three.
Pet insurance will never cover pre-existing conditions, and they will not reimburse you for the cost of cosmetic procedures, but only those that are deemed medically necessary for your pet’s health.
The best approach is to sign up for a plan early in your pet’s life to ensure they are covered for any illnesses that may occur, oral or otherwise
What Is The pre-existing condition?
In terms of embrace pet insurance dental, a pre-existing condition refers to any health issue discovered before your pet's insurance policy took effect. It could be related to an illness, such as periodontal disease, or accident, as in the case of a lost tooth during playtime. Pre-existing conditions can also be hereditary, and they include both short- and long-term ailments.
It's important to note that no embrace pet insurance dental policy covers pre-existing conditions, meaning you cannot be reimbursed for those related expenses (although you should still enroll to receive coverage for other health concerns that might arise due to accident or illness in the years to come).
How can you save money on pet dental care?
Most veterinarians recommend dogs and cats receive dental cleaning during their annual check-ups. This will help your vet identify the first signs of health issues and ensure your pet is at a lower risk of contracting costly dental diseases later in life.
You can also take care of your pet’s dental health by brushing their teeth regularly.
According to VCA Animal Hospitals, you should brush your dog's teeth twice per day or a minimum of three times per week. They recommend the same schedule for cats.
Dental hygiene treats and chews may also help maintain your pet’s oral health between cleanings.
Are routine teeth cleanings included in embrace pet insurance dental?
Most of the time, dental cleanings for dogs and cats are considered preventative care and therefore do not classify for coverage under traditional accidental/illness plans. However, most pet insurance providers offer supplementary pet wellness plans you add on for extra coverage, including the cost of routine cleanings.
Embrace Pet Insurance dental offers dental insurance coverage to protect your pet’s teeth in the event of unexpected accidents or illnesses.
use Policy Advisor to search for a pet health insurance plan that provides dental coverage.
Dental treatments are covered by embrace pet insurances dental such as:
Dental injuries (broken, chipped, and fractured teeth)
Root canals and crowns
Gum disease (gingivitis and periodontitis)
Inthe last: is the embrace pet insurance dental important?