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Paw Protect insurance policies are administered by Embrace Pet Insurance, a well-established pet insurance coverage firm. So whenever you buy a coverage by Paw Protect, Embrace is the insurer offering protection on your pet. But the largest (and solely) differentiator between the 2 manufacturers is that Paw Protect affords a credit score product known as Paytient that you should utilize as a line of credit score with 0% curiosity to pay vet payments upfront vs you paying out of pocket.
But why do you have to purchase by newcomer Paw Protect as an alternative of direct from Embrace, a long-trusted insurer?
Paw Protect Overall Rating
Paw Protect Pet Insurance Review
Product Name: Paw Protect Pet Insurance
Product Description: Paw Protect administers Embrace pet insurance coverage insurance policies for canines and cats
Summary
Paw Protect’s insurance policies are administered by Embrace Pet Insurance. There is not any extra perk to signing up for an Embrace coverage by Paw Protect, so we advocate buying instantly from Embrace. In a few of the quotes we ran, Paw Protect charged $20-$30 greater than Embrace for a similar pet and plan particulars.
Pros
- No per-incident limits on their claims as they use an annual deductible
- No lifetime restrict
- Offers optionally available Wellness Rewards (not out there in RI; should buy together with pet insurance coverage)
- Pays claims inside 10-15 days on common
- Up to a ten% max low cost for a number of pets (5% in NY)
- Covers your pet in the event that they journey outdoors the U.S. with you
- 30-day money-back assure
- Eligible to use for a digital Paytient Visa card to pay for vet payments
Cons
- $25 enrollment payment
- Only covers enrolled pets age 14 and youthful for accidents and sicknesses (accident solely could also be out there for ages 15+)
- If one leg has a CCL (ACL) harm previous to enrollment, the opposite leg won’t be coated even when there aren’t any prior points; it’s thought-about a pre-existing situation
- Charges greater than Embrace for some pets
Our pet insurance coverage consultants learn by every pet insurance coverage firm’s coverage to supply detailed comparisons and knowledge concerning how a supplier fares towards others within the trade. We additionally communicate with prospects, learn on-line suggestions, and talk one-on-one with pet insurance coverage corporations to acquire a well-rounded, unbiased evaluation of an organization’s standings.
Our group charges pet insurance coverage corporations based mostly on a number of components, together with A.M. Best scores (an indicator of economic stability), declare processing reputations, contract protection, customer support, pricing, plan customizations, and extra.
Key Features
- Underwriter: American Modern Home Insurance Company
- A.M. Best ranking (a measure of economic stability): A+
- Bilateral situation (a situation or illness that impacts each side of the physique): If your pet has a pre-existing bilateral situation (e.g., ACL tear), they’re at a better danger of the identical scenario on the opposite aspect of the physique and any future occurrences of the identical situation received’t be coated.
- Pets enrolled after their fifteenth birthday are solely eligible for the accident-only coverage
- Covers curable pre-existing circumstances so long as the pet goes symptom or remedy free for 1 12 months or extra
- Paw Protect requires a vet examination inside the final 12 months earlier than the coverage begin date or 14 days after the beginning date.
- Paw Protect policyholders are eligible to use for a digital Paytient Visa card to pay for vet payments with out curiosity or charges ($5,000 line of credit score out there). This bank card is the one add-on perk whenever you purchase by way of Paw Protect vs the identical coverage from Embrace.
Customer Service Options & Hours
- Phone:
- Monday – Friday: 9am – 8pm EST
- Saturday: 10am – 2pm EST
Waiting Periods*
- Illnesses: 14 days
- Accidents: 2 days
- Orthopedic circumstances (e.g., cruciate ligament, hip dysplasia, and so on.): 6 months or 14 days with an orthopedic report card† submitted; not relevant to cats)
- Wellness: 0 days
*Waiting durations for Maine are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
†An orthopedic report card is a veterinary examination and waiver course of designed to evaluate any bone or muscle deformities in your canine. To cut back the six-month ready interval for orthopedic circumstances, take your canine to the vet and have an orthopedic examination carried out after your coverage is bought. Your vet will file any well being findings on your canine’s hips, legs, shoulders, forelimbs, backbone, joints, and bones. You can be taught extra about Embrace’s orthopedic examination and waiver course of for canines.
What Does Paw Protect Cover?
Please know that not one of the suppliers in our pet insurance coverage comparability charts cowl pre-existing circumstances, cremation and burial prices, being pregnant and breeding, or pointless beauty procedures.
All of them cowl the next gadgets when deemed medically essential: emergency care, surgical procedure and hospitalization, specialised exams and specialty care, X-rays, blood assessments, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, persistent circumstances, euthanasia, hereditary circumstances, congenital circumstances, non-routine dental remedy, and prescription drugs. However, this protection could have limitations, so please test your coverage.
What’s Paw Protect’s Accident-Only Plan?
Paw Protect is among the few pet insurance coverage corporations that supply an accident-only plan; nonetheless, it’s solely out there for canines enrolled at 15 years outdated or older. Dogs enrolled after their fifteenth birthday aren’t eligible for Paw Protect’s accident and sickness plan. To enroll your pet in an accident-only plan, name 888-968-8952.
It solely covers accidents (as its title suggests), so issues like damaged bones are coated. It doesn’t cowl any sicknesses, routine care, acupuncture, or chiropractic remedy.
What Are Paw Protect’s Wellness Plans & Pricing?
Paw Protect additionally affords an optionally available Wellness Rewards (not out there in Rhode Island) program for an extra payment. Paw Protect will reimburse 100% of your pet’s routine care prices as much as the chosen quantity of protection you select. You can choose from the next quantities per 12 months, which additionally lists their month-to-month value:
| Wellness Rewards Per Year | Additional Monthly Cost |
|---|---|
| $250 | $18.75 |
| $450 | $35.42 |
| $650 | $52.09 |
- $250 Wellness Rewards per 12 months: an extra $18.75 monthly
- $450 Wellness Rewards per 12 months: an extra $35.42 monthly
- $650 Wellness Rewards per 12 months: an extra $52.09 monthly
Wellness Plan Coverage
This cash can go towards the next however shouldn’t be restricted to:
- Routine vet visits
- Flea, tick, and heartworm drugs
- Microchipping
- Spay/neuter surgical procedure
- Massage and acupuncture
- Prescription weight-reduction plan meals
- Vaccinations
- Anal gland expression
- Grooming
- Fecal and routine blood assessments
- Medicated shampoos
- Routine chiropractic care
- Teeth cleansing
- Training courses
- Toenail trimming
- Pet exercise displays
- Cremation or burial
How Is Paw Protect’s Pricing Determined?
Paw Protect has a $25 enrollment payment. Your month-to-month premium is predicated on the deductible, reimbursement share, and annual payout choices that you simply select from the desk under.
| Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|
| $100 $250 $500 | $5,000 $10,000 Unlimited | 70% 80% 90% |
Pricing can also be based mostly in your pet’s particulars (age, breed, location, pre-existing circumstances, and so on.). We advocate acquiring quotes from Paw Protect on your particular pet to get an thought of how a lot a coverage would value you.
You can use our pet insurance coverage quote type under to see how high suppliers examine on your precise pet.
Does Paw Protect Have Discounts?
Paw Protect has the next reductions:
- 10% off (5% off in NY) for a number of pets
- 5% off for navy and veterans (NY and TN excluded)
No promo code is required. Use this hyperlink to reap the benefits of the absolute best worth.
Our Final Verdict On Paw Protect
Paw Protect is new to the pet insurance coverage trade. We’re comfy with insurance policies administered by Embrace as a result of it has a stable status. However, we hesitate to advocate Paw Protect over going instantly by Embrace as a result of there have been cases the place we ran quotes, and Paw Protect was costlier than Embrace.
But Paw Protect offers you entry to use for a Paytient Visa card, which may allow you to cowl the price of vet payments till you obtain a declare reimbursement. Paw Protect appears to be the one option to get a Paytient credit score profit since Embrace doesn’t supply entry to it instantly.
Overall, researching earlier than shopping for a pet insurance coverage plan is a should. We invite you to learn by our finest pet insurance coverage information so you are feeling 100% constructive about making the most effective resolution on your furry good friend.
Tagged With: Reviewed By Insurance Agent