Embrace is an Ohio-based pet health insurance provider that offers personalized pet health insurance. They offer many unique features, including a declining high-deductible for routine or preventative care. They also have a Wellness Rewards program that rewards your pet for routine and preventative care. The company is a member the North American Pet Health Insurance Association.
Embrace offers customizable plans
An Embrace pet insurance policy will provide coverage for your pet and your finances. This insurer reviews your pet's medical records and will let you know if it has any pre-existing conditions. It offers a money back guarantee within the first 30 days. If you have multiple pets, you may be eligible for a discount on monthly premiums.
Embrace offers customized plans for both dogs and cats. You can adjust the coverage amount based on your pet’s age, breed, and species. You also have the option to choose your deductible percentage and reimbursement percentage. You can customize your plan to suit your budget.
It offers a two-day waiting period for accidents
Consumers are required to submit a calendar year's worth medical records, as well as the date of birth for Embrace pet coverage. This allows the insurance provider to adjust your pet's premium based on their age and breed. To qualify for accident coverage, pets must also be at least fifteen years old.
Embrace provides pet owners with the ability to take their pet to any vet in any 50 state, along with a two-day waiting period. Clients receive reimbursement from the insurance company within 10 days. The policy does not exclude breeds, so a dog or cat with a history of bilateral conditions is more likely to experience the same condition in the future.
It offers a six month waiting window for canine conditions.
Embrace pet insurers have a six-month waiting time for certain canine orthopedic conditions like hip dysplasia. However, it is possible to reduce the waiting period by applying for a waiver of this condition. A veterinarian must perform a physical exam on your dog in order to waive the condition. Embrace will send a veterinary Orthopedic Report Card to your veterinarian. If you meet the requirements, Embrace can reimburse you for the cost of this examination.
Waiting periods vary widely between pet insurance companies, and it's important to understand what the waiting period is before enrolling. Some companies have a 4-day waiting period for injuries or illnesses. Some companies have a 14-day waiting time. Embrace has a six month waiting period for canine ortho conditions. However, you can waive this exam for your dog if your dog has had a veterinary orthopedic examination within the past six months.
It is reasonably priced
Embrace Insurance's competitive pricing and wide variety of options makes it a great choice. Monthly premiums depend on your pet’s age, gender, size, breed, and age. You can reduce the cost of the policy in some cases by signing up for a Healthy Pet Discountible. This plan can help you avoid unnecessary financial burdens when it comes to pet care as well as medical expenses.
Embrace provides coverage for pets under the age 14 that covers them against illness and accident. This type insurance doesn't need to be renewed every year and also provides coverage for older pets in the event of an accident. The policy covers pre-existing, congenital, and breed-specific diseases as well. Embrace also covers alternative and rehabilitation therapies. Embrace plans also offer shorter waiting periods for injuries and illnesses.