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Pet Insurance

While there are many companies to choose from and we recommend doing your research, there are three pet insurance companies that our doctors endorse:

Our doctors feel that these companies offer the best coverage for our patients as well as excellent customer service for our clients.

Pet Insurance:  An Investment in Your Pet's Health

Here at Bishop Ranch Veterinary Center & Urgent Care we believe passionately in the value of pet insurance for all pet owners. Pet insurance is the gift of protection and peace of mind. In case of an unexpected illness or accident, it is the safety net that allows you to confidently pursue life-saving treatments. Just like lots of love, exercise, a balanced diet, and annual visits to the vet, pet insurance is truly an investment in your pet's health.

We are such vocal advocates of pet insurance for a simple and powerful reason:  time and time again we've seen the relief on the faces of the families we serve when they know they can make the best decision for their  beloved pet without having to worry about finances. That is the benefit of being insured - the knowledge that you can pursue exceptional care for your best friend because there is a support system in place. We want all our pet owners to feel this secure!

We know that insurance can be confusing so we want to help answer any questions you might have and make the process as easy as possible!

Important questions all pet owners should ask BEFORE signing a policy:

  • Is the policy and information easy to understand?
  • What IS covered and what IS NOT covered by the different policies?
  • Which policy fits your needs the best?
  • What are the coinsurance and deductible options for the policy?
  • Will this fit your financial situation if you need to file a claim?
  • Does the company pay out based on the actual vet bill or by a benefit schedule? (Understand the difference.)
  • Are there coverage limits per incident, per year, or per lifetime? (If so, understand what they are.)
  • Are conditions that were diagnosed in one year, considered pre-existing conditions the next year?
  • Is the company licensed in your state and do they have a good reputation?

Because we know pets get sick and injured (unfortunately, we see it every day), we recommend that you thoroughly research your pet insurance options.

First, a brief explanation about how pet insurance works. It is different from human health insurance in that you pay the veterinary costs up front and then, depending on your coverage, the pet insurance company will reimburse you. Pet insurance works with all licensed veterinarians. We will work hand in hand with you to help process paperwork and insurance claims to expedite the process.

While there are many pet insurance companies to choose from and we recommend doing your research, there are three companies that BRVC endorses. They are: Embrace, Petplan, and Trupanion. Our doctors feel that these companies offer the best coverage for our patients as well as excellent customer service for our clients.

Below is a brief synopsis of what each company offers, along with the special discounts. Visit their websites, explore the different plans and prices, and decide what kind of coverage will be right for you and your pet. Please feel free to contact us anytime with any questions you might have – we are here to help! 

Embrace (800)511-9172

  • Wellness rewards for routine care
  • Pet insurance's only diminishing deductible
  • Pre-existing conditions evaluated fairly
  • Coverage for exam fees
  • 14 Day illness waiting period
  • Client discount code for BRVC clients: 80013172 (enter code online or tell an Embrace representative about this code to apply 5% discount to the policy.)

PetPlan (866)467-3875

  • Exam fees covered
  • Full mouth dental coverage
  • No age limits
  • Holistic care included
  • 15 Day illness waiting period
  • Discounts for AARP members, military and medical service pets

Trupanion (855)828-1419

  • One simple plan
  • 90% coverage
  • No payout limits
  • Vet direct pay
  • Does NOT cover wellness
  • Covers hereditary conditions, congenital conditions, unidentified issues, diagnostic tests, surgeries, hospital stays, medications, vet supplements, and herbal therapy
  • 30 Day illness waiting period
  • Exam Day offer: You receive $35 in savings, immediate coverage, and top protection with 90% reimbursement. (Must activate your exam day offer within 24 hours of your pet's veterinary exam.)

Bishop Ranch Veterinary Center & Urgent Care can submit claims for you! All we need is a blank claim form with the policy holder's signature (if required on the form) and the policy number. We will save this to your pet's file and submit any invoice that you request. Please let us know if you would like a claim submitted upon check out. Submission can take up to 7-10 business days and you will be copied on the email to ensure it was submitted. Payment is due at the time of service, and once submitted, your insurance company will follow up to reimburse you.

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