About Accepting Animal Insurance
Accept Animal Insurance put No. 3 in our Best Animal Insurance Company 2022 score. After actually selling its first pack in 2006 after winning a corporate package competitor in 2003 at the Wharton Institution of Business, the Cleveland company offers animal insurance coverage covered by the Cincinnati American Modern Insurance Team.
The Accept Animal Insurance plan is cheaper for dogs and cats than some of the competitors in our score. The company also offers discounts for individuals with multiple pets, current and former military participants, and animal owners who sign up for work environment benefits. It also doesn’t place a life time limit (the maximum amount an insurance provider will be certain to pay over the pet’s lifetime) on its plans, although it does have an annual limit (the optimal amount Accept will pay over a plan year) and different insurance deductions based on the coverage information you choose. Insurance deductions after each year the animal is healthy and balanced and you do not file an insurance claim.
Accept does not consist of routine therapy such as health checks and treatments in its basic plan. It offers an additional health plan, but it is not an insurance policy; they are more of a way to allocate routine veterinary costs by paying year round. You don’t get reimbursed if you don’t use up all the funds within one year. The company only offers full-coverage veterinary insurance coverage for newly registered dogs and cats 14 years or younger, while some competing providers will allow you to register your pet at any age. Accept does not cover pre-existing problems unless deemed curable by the provider and your animal is symptom free and has not been on therapy for the problem for at least one year.
Packages Available from Receive Animal Insurance
Accept Animal Insurance offers 2 types of insurance plans: accident-specific plans and accident and illness plans. Pets 15 years of age or older that are not currently enrolled in the Receive plan can enroll in the accident-only plan.
Accident-specific packages include veterinary care for things like bloating, poisoning, reduction, and animals hit by cars. After being deducted from the $100 yearly insurance, it covers 90% of the vet fees for appropriate circumstances up to $5,000 per year. The more basic plan covers accidents as well as clinical illnesses consisting of congenital problems, oral disease, cancer cells, and persistent problems such as allergic reactions and joint inflammation.
Pre-existing problems are usually not protected, unless they are considered treated and your animal has had no signs or treatment for a year or more. Certain points such as maternity, aesthetic therapy, and therapy related to nuclear combat are not covered.
Annual maximum payments, deductions, and portion of medical expenses paid can be adjusted and affect your costs. Oral disease is covered up to $1,000 per year.
What is Accept Animal Insurance?
Receiving Animal Insurance, like many other animal insurance programs, is a little different from health and wellness insurance from people. It is important to remember that this usually does not cover pre-existing problems unless the animal is asymptomatic and without therapy for a year or more, nor does it cover pregnancy-related therapy. The standard plan includes a portion of the vet’s fee consisting of for oral disease, but you will usually still have to pay for the unprotected portion when you take your animal to the vet.
Pets 15 years of age or older that are not currently covered by Accept’s insurance plan are limited to Accept’s accident-only coverage, which does not cover most clinical illnesses. Receive plans generally do not cover routine maintenance and points such as maintenance. You can purchase different health plans that cover some of these costs each year.
Plans usually consist of an annual cap, insurance deductions, and a portion of each vet fee that you must pay for yourself. This affects your premium and can be decided when you sign up for a strategy. Unlike some animal insurance plans, Accept does not have a maximum time limit that will be spent on protected pet therapy, and the company says that it will not terminate coverage for animals other than non-payment.
Receive Animal Insurance Optional Features
You can include optional health plans for accident and illness coverage from Accept. These plans are not covered by insurance. This includes therapies such as treatments, sterilization or spaying, health checks, and inoculations. Extra coverage is not renewed from year to year and this plan does not affect your insurance deduction or annual max.
You can also specify an annual maximum, annual insurance deduction, and veterinary care portion. Usually, this will affect the fees you pay. The insurance deduction is reduced by $50 each year because you don’t file an insurance claim.
How Much Does Animal Insurance Cost Receive?
For a one-year-old female mixed breed dog, Accept’s pet insurance costs about $24.16 per month, while coverage for male residential shorthair cats under one year costs around $11.65. Both monthly premium rates have a $5,000 annual benefit cap, a $500, insurance deduction, and a 90% reimbursement rate, which basically means 10% co-payment.
The company offers military discounts (both energetic assignments and previous entrants from equipped troops) and multi-pets, and prices can vary based on where you are. You’ll usually pay more for an older pet, and pets that are at least 15 years old can only get a crash-only package if they’re not currently covered by Accept. Keep in mind that pre-existing problems are not protected unless they are deemed curable and your animal has been gone without signs or therapy for at least one year.
There is a $1,000 annual cap for oral therapy that is separate from the configurable annual cap for basic coverage. Accept plan does not have a maximum life time. Your insurance deduction is typically $50 per year for each year you don’t file an insurance claim.
Exam fees, maintenance, and comparable routine fees are also not covered. However, you can sign up for a different health plan from Accept that includes those points. These plans run individually from your main plan, and the therapies below do not affect your annual maximum or annual insurance deduction.
Receive Animal Insurance vs. Trupanion
The Trupanion package is more expensive than the Accept package. People with the examples of dogs and cats we looked at would pay twice as much for protection through Trupanion as they would through Accept. On the other hand, the Trupanion plan has no annual limit, whereas Embrace has an annual limit that you can choose to change your premium, meaning that if you choose a reduced annual limit, you will have lower costs while a larger annual limit will incur costs. the greater one . Accept plans have annual deductible insurance for all problems, which may be better for animals that occasionally have illness or accidents, while Trupanion plans have whole life insurance deductible for each problem, which can be better for animals that cause persistent problems. continuously. The example Trupanion uses is, if your animal has an allergic reaction, you will pay a reduction in allergy related insurance, after which the therapy is covered in perpetuity, but if your animal later develops an unrelated disease, you will pay a different insurance deduction for that infection before Trupanion. started covering it.
Trupanion also does not increase the price during the pet’s lifetime, while Accept can increase the price on time. The Trupanion plan pays 90% of the cost, while Accept lets you choose your co-insurance and payout portion. Accept can benefit from cheaper insurance and more flexibility in terms of configurable limits and payout portions, while Trupanion can benefit from lifetime coverage at a flat rate and less deductions for potential persistent problems.
Receive Animal Insurance vs. Healthy and Balanced Paws
The healthy, balanced Paws plan is slightly more expensive than the Receive Plan for the dog and cat samples we looked at. But a healthy, balanced Paws doesn’t have an annual cap, while the Accept plan has one you can customize. Both have no life time limit.
A healthy, balanced Paws also says it processes most claims within 2 days, while Accept can take longer, between 10 and 15 business days.
Oral health and wellness is another location that both varies: A healthy, balanced claw covers no oral health and wellness other than accidental injuries, while Accept covers oral disease of up to $1,000 per year. Accept also includes behavioral therapy, whereas Healthy and Balanced Claws mostly don’t. If you think your pet may need expensive protective therapy, a healthy, balanced rapid transfer of Paws and no annual cap may be a good option. If you want wider coverage and a slightly cheaper plan, the Accept may be a better shape.
How Do I Purchase Animal Insurance From Accept Animal Insurance?
You can complete basic information about your animal on the Embrace website to request a quote. You’ll also need to allow Accept to get one year’s worth of veterinary documents from your vet (or documents from the time you adopted your animal or your animal was born if that’s a lot less than last year) or mail them one at a time. You will be able to change your annual maximum, annual insurance deduction, and part of the cost that will be paid off in the purchase to convert your premium to something that is convenient for you. Keep in mind that pets aged 15 and over are only eligible for accident coverage.
You can also decide if you want an additional Health Benefits package that includes individual medical visits and therapy from traditional veterinary insurance.
Does Accept Animal Insurance Offer a Health Plan?
Accept Animal Insurance offers a strategy called Health Benefit in addition to its standard plan, but it’s not insurance coverage. This allows you to pay year-round for a number of wellness therapies consisting of wellness vet visits, spaying and neutering, and grooming. The extra resettlement did not continue into the following years.
How Do I Contact Client Solution Accept Animal Insurance?
You can contact Receive customer support by phone during extended business hours Monday to Friday and the Saturday component. You can also use the MyEmbrace website or the Receive mobile app to increase your coverage and submit claims. The company can also be contacted by email, fax, or postal mail.
How Do I Terminate Animal Insurance Plan from Accept Animal Insurance?
You can terminate your Accept animal insurance plan by email or phone. If you terminate within thirty days of your plan starting and have not submitted any claim, you will receive a full refund. Or else, you may get a prorated premium return for the current invoice cycle.
Keep in mind that if you terminate, you will have a new wait time if you re-register, and any issues your animal has dealt with may be considered as pre-existing problems.
Is There a Waiting Time for Animal Insurance Packages Received?
Receive packages have a waiting duration of 14 days for illness and a duration of 48 hours for accidents. Waiting times prevent you from signing up for veterinary insurance and directly claiming insurance for accidents or illnesses. You cannot make a claim for circumstances that occurred during that time period. Dogs have a duration of 6 months for orthopedic therapy, but you can reduce it to 2 weeks by having an orthopedic examination.
How Long Does it Take to Receive Animal Insurance to Recover Claims?
After you submit an online or physical claim form, it usually takes 10 to 15 business days to process. Your first claim may take longer. You’ll get your payment back by direct deposit in about 3 days or by checking in about 10 business days if you prefer. You can track your claim online.
Coverage for accidents and illnesses
For most pets, Accept offers a single package that covers accidents and illnesses. This will reimburse you a certain portion of your vet’s fees, up to your annual limit and minus your insurance deduction. As long as you register your animals at the age of 14, they can have accident and disease protection forever.
In most specifications, you can include Health Benefits, which provide $650 per year for lice and tick removal, inoculations and various other routine expenses. There is no co-payment for Health Benefits, and your expenses under this plan are not subject to insurance deductions on your accident and injury plan.
As long as you use the entire reimbursement allocation, Health Benefits will save you approximately $25 on treatment each year. For example, if you choose an annual allocation of $250, you will pay $18.25 per month for coverage, or $225 per year. But if you don’t invest the full amount in the vet, you may end up paying more for coverage than you would for leaving it.
Accept coverage options
Deductibles: Annual deductibles for accident and illness plans range from $200 to $1,000 per year. For accident-only plans, the annual deductible insurance is $100 usage. For each year you don’t file an insurance claim on one of these plans, your insurance deduction will decrease by $50 to reach $0. If you file an insurance claim, you will pay the reduced amount; after that your insurance deduction will be reset to the initial amount of the following year.
Reimbursement amount: For accident and illness plans, you may decide to pay 70%, 80% or 90% of your vet fees. The accident special package will reimburse you for 90% of your cost.
Limit of coverage: For accident and illness plans, the annual limit of coverage ranges from $5,000 to $30,000. For accident-only plans, the annual limit is $5,000.
Limitation and waiting time
Age restriction: Pets must be at least 6 weeks old to receive the package. There is no maximum age, but pets aged 15 years and over at the time of registration cannot obtain accident and illness insurance, only coverage for accidents.
Waiting duration: The accepted waiting duration is two days for accidents, 2 weeks for illness and 6 months for orthopedic problems for canines. You may be able to reduce the last duration to 2 weeks by taking your dog for an orthopedic examination. No waiting duration for Health Benefits.
Accept vs. Trupanion
One significant difference between Accept and Trupanion is how each company handles deductibles. Like many animal insurance providers, Accept uses an annual deductible that is used for all injuries and illnesses and is reset annually.
In most specifications, Trupanion charges a reduced lifetime per condition. Let’s say your animal has a persistent allergic reaction and requires ongoing therapy. Once you meet the insurance deduction for the matter, you will no longer have to pay for it for your animal’s life.
Trupanion’s standard plan offers 90% reimbursement and unlimited annual caps on most specifications, while Accept offers more ways to personalize your coverage (and possibly reduce your premium).
Some of the therapies included in the Embrace plan are additional costs of Trupanion, such as acupuncture and behavioral treatments. Unlike Trupanion, Accept offers optional health coverage.
Accept vs. ASPCA
The ASPCA accident and illness plan covers most of the same points as the Embrace plan, consisting of genetic and congenital problems, exam fees for accidents and illnesses, and alternative and behavioral medicine. However, the ASPCA also covers food and supplement prescriptions, while Accept does not.
The ASPCA waiting duration is 2 weeks for all problems consisting of cruciate tendon problems. That is much shorter than the six-month orthopedic wait for canines, but much longer than the 48-hour duration for disease.
While Accept has accident-specific preparations for pets registering at the age of 15 or older, the ASPCA accident-specific plans are available for any pet owner who does not want disease protection.
ASPCA claims processing may be slightly slower than Embrace — thirty days instead of 10 to 15 business days.