Pet insurance offers peace of mind, knowing that your beloved pet will receive the necessary medical care without breaking the bank. AAA pet insurance, available through Embrace, provides customizable reimbursement, deductible, and annual limit options. With flexible plans and comprehensive coverage, AAA pet insurance ensures that your furry friend receives the care they need. Let’s dive into the details and explore what AAA pet insurance has to offer.
AAA Pet Insurance Plan Options
Embrace, the provider for AAA pet insurance, offers a comprehensive base plan without any add-on options. This all-inclusive plan covers a wide range of services, including complementary treatments, specialist care, diagnostic testing, and prescription medications for any covered conditions.
Under AAA’s accident and illness plan, Embrace’s coverage includes:
- Accidents and illnesses
- Diagnostic testing and exam fees
- Breed-specific and hereditary conditions
- Chronic conditions
- Emergency and specialist fees
- Cancer and diagnostic treatment
- Hospitalization and surgery
- Behavioral therapy
- Alternative treatment and rehabilitation
- Prescription medications
- Preventable conditions
- Dental illnesses
The cost of AAA pet insurance through Embrace varies depending on factors such as your pet’s species, breed, age, health status, and ZIP code. On average, dog insurance ranges between $35 to $45 per month, while cat insurance costs around $20 to $25 per month.
Please note that Embrace’s pet insurance coverage does not include wellness care. However, you have the option to purchase Embrace’s Wellness Rewards package separately. This package offers up to $650 in wellness reimbursements to cover routine care expenses. While not part of your pet insurance policy, the Wellness Rewards package serves as a budgeting tool for preventative pet care.
Preventative Care Limits
To cover routine care costs, AAA’s pet insurance through Embrace offers the Wellness Rewards program. This program allows you to choose from three annual reimbursement rates: $250, $450, and $650. Instead of having specific dollar amount limits for individual services, Embrace provides a larger yearly allowance that you can allocate according to your pet’s needs.
For example, if you choose the $250 rate and spend that amount on a single service, you will have exhausted your yearly allowance for routine care. If you require additional routine services, you will need to pay for them out of pocket. Embrace suggests opting for the $650 rate if you have a puppy or kitten, as they often require more initial vaccines and checkups. On the other hand, older pets in need of routine vaccinations and parasite prevention might benefit from the lower-tier plans. You have the flexibility to change your Wellness Rewards amount at the start of each policy period to ensure it aligns with your pet’s needs.
Reimbursable items under Embrace’s Wellness Rewards package include:
- Wellness exam fees
- Vaccinations
- Parasite preventatives
- Spay/neuter surgeries
- Routine fecal and blood tests
- Grooming
- Nail trimming
- Teeth cleaning
- Prescription diet food
Additionally, the Wellness Rewards package extends reimbursement to items like microchipping, pet activity monitors, chiropractic work, training, and more. As always, it’s essential to read your policy thoroughly to understand what is covered under your specific plan.
Coverage Exclusions
Like all pet insurers, Embrace has certain exclusions. Pre-existing conditions, which are conditions your pet exhibited symptoms of before the start of the insurance policy, are not covered. However, Embrace only considers the last year of your pet’s medical history when determining pre-existing conditions. This means that illnesses occurring more than 12 months before the policy start date may still qualify for coverage. Furthermore, Embrace covers curable preexisting conditions that your pet has not been treated for or shown symptoms of in the past 12 months.
Embrace also excludes elective cosmetic procedures from coverage, unless they are deemed medically necessary by a licensed veterinarian. Procedures such as tail docking, ear cropping, declawing, and dewclaw removal fall under this category.
Other coverage exclusions include costs resulting from or associated with:
- Breeding, whelping, and pregnancy
- Injury or illness from cruelty or neglect
- Pre-existing behavioral problems
- Non-diagnostic genetic testing
- Nutritional counseling
- Pet boarding
While AAA pet insurance through Embrace offers comprehensive coverage, it’s important to review the policy details to understand the specific terms and conditions.
FAQs
Q: Can I customize my AAA pet insurance plan?
A: Absolutely! Embrace provides customizable reimbursement, deductible, and annual limit options, allowing you to create a plan that fits your needs and budget.
Q: What is covered under AAA’s accident and illness plan?
A: AAA pet insurance through Embrace covers a wide range of incidents, including accidents, illnesses, diagnostic testing and exam fees, breed-specific and hereditary conditions, chronic conditions, emergency and specialist fees, cancer and diagnostic treatment, hospitalization and surgery, behavioral therapy, alternative treatment and rehabilitation, prescription medications, preventable conditions, and dental illnesses.
Q: Does AAA pet insurance cover wellness care?
A: No, wellness care is not included in Embrace’s pet insurance coverage. However, you have the option to purchase Embrace’s Wellness Rewards package separately to cover routine care expenses.
Q: Can I change the amount of my Wellness Rewards coverage?
A: Yes, you can change your Wellness Rewards amount at the start of each policy period to ensure it aligns with your pet’s specific needs.
Conclusion
AAA pet insurance, offered through Embrace, provides comprehensive coverage options for pet owners. With customizable plans and extensive coverage for accidents, illnesses, diagnostic testing, prescription medications, and more, AAA pet insurance ensures that your four-legged family members receive the best possible care. Additionally, the Wellness Rewards package allows for reimbursement of routine care expenses, further enhancing the value of the coverage. When considering pet insurance, AAA pet insurance through Embrace is definitely worth exploring to provide the protection and peace of mind your pets deserve.
