AAA pet insurance coverage is available via Embrace. Embrace provides customizable reimbursement, deductible and annual restrict choices you could combine and match to build your preferrred month-to-month charge. We’ve generated quotes utilizing the supplier’s hottest reimbursement and deductible charges to provide you a greater thought of AAA’s pet insurance coverage prices.
AAA Pet Insurance Plan Options
Embrace doesn’t have any add-on choices other than its Wellness Rewards package deal. Instead, it provides a complete base plan. Embrace provides reimbursement for complementary remedies, specialist care, diagnostic testing and prescription medicines for any coated situations.
Under its accident and sickness plan, AAA’s pet insurance coverage via Embrace covers:
- Accidents and sicknesses
- Diagnostic testing and examination charges
- Breed-specific and hereditary situations
- Chronic situations
- Emergency and specialist charges
- Cancer and diagnostic remedy
- Hospitalization and surgical procedure
- Behavioral remedy
- Alternative remedy and rehabilitation
- Prescription medicines
- Preventable situations
- Dental sicknesses
According to Embrace’s web site, you’ll usually pay between $35-$45 for canine insurance coverage and $20-$25 for cat insurance coverage. Monthly plan prices differ relying in your ZIP code and your pet’s species, breed, age and well being standing.
Wellness care is excluded from Embrace’s pet insurance coverage protection. You should purchase Embrace’s Wellness Rewards package deal for as much as $650 in wellness reimbursements to cowl routine care. This program isn’t a part of your pet insurance coverage coverage however as an alternative features as a budgeting instrument for preventative pet care. It’s the one supplemental plan available via Embrace.
Preventative Care Limits
AAA’s pet insurance coverage via Embrace has a Wellness Rewards program for preventative care prices. The program permits you to select between annual reimbursement charges of $250, $450 and $650 to cowl routine care prices.
Instead of getting greenback quantity limits in place for individual providers, Embrace provides you a bigger yearly allowance to spend nonetheless you select. If you choose the $250 charge and spend that a lot on a single service, you could have used your allotted yearly quantity and must pay for different routine providers out of pocket.
Embrace recommends the $650 charge for puppy and kitten house owners who will inevitably spend extra on preliminary vaccines and checkups. Pet house owners with older pets who simply want parasite prevention and routine vaccinations may go for the decrease plan. You can change your Wellness Rewards quantity firstly of a brand new coverage interval, so that you aren’t caught with a charge that doesn’t suit your wants.
Reimbursable objects underneath Embrace’s Wellness Rewards package deal embody:
The wellness package deal additionally provides reimbursement on objects like microchipping, pet exercise displays, chiropractic work, coaching and extra. Be positive to learn your coverage to know what is roofed.
Coverage Exclusions
Like all pet insurers, Embrace doesn’t cowl pre-existing situations. These are situations your pet was symptomatic of earlier than the onset of your pet insurance coverage coverage. Embrace does, nonetheless, solely assessment the final 12 months of your pet’s medical historical past when figuring out pre-existing situations, so sicknesses occurring earlier than these 12 months might qualify for protection. Embrace additionally covers curable preexisting situations your pet hasn’t been handled for or symptomatic of in 12 months.
Embrace excludes elective beauty procedures from protection, too. Cosmetic procedures, reminiscent of tail docking, ear cropping, declawing, and dewclaw removing are excluded from protection until deemed medically crucial by a licensed veterinarian.
Other protection exclusions embody prices ensuing from or related to:
- Breeding, whelping and being pregnant
- Injury or sickness from cruelty or neglect
- Pre-existing behavioral issues
- Non-diagnostic genetic testing
- Nutritional counseling
- Pet boarding
