Ray talked about different kinds of insurance that he has recently started offering.

Pet (only dogs & cats) insurance is underwritten by Embrace, not Allstate. They offer Wellness coverage (Ray doesn’t think it’s worth it) and Catastrophic insurance which has up to 90% reimbursement rates. Treatments covered include: Breathing problems, cancer treatment, diagnostic tests, surgery, and others. Not covered: pre-existing conditions, injuries due to fighting, cosmetic surgeries and others.

Ray also talked about travel insurance which can cover emergency medical situations in foreign countries with no deductibles.

​Give Ray a call if you get a new pet or are going on vacation outside the country for these new types of insurance he offers.