Embrace is a Ohio-based company that provides personalized pet health insurance. They offer a declining deductible that allows for routine and preventative care. You can also earn rewards for your pet's routine and preventative care by joining the Wellness Rewards program. The company belongs to the North American Pet Health Insurance Association.
Embrace has customizable plans
An Embrace pet policy can provide coverage that covers your pet as well as your budget. This insurer will examine your pet's medical history and let you know if any pre-existing condition. It offers a money back guarantee within the first 30 days. If you have more pets than one, you can receive a discount off your 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 can also choose your deductible amount and reimbursement percentage. You can also customize your plan to meet your needs.
It offers a two-day waiting period for accidents
When enrolled in an Embrace pet insurance plan, consumers are required to submit a year's worth of vet records as well as the birth date of their pet. This allows the insurance company to adjust the premium based on the age and breed of the pet. To be eligible for accident coverage, the company requires that your pet must be at least 15 years of age.
Embrace also allows pet owners to bring their pets to any veterinarian in the 50 states. The insurance company reimburses clients for the service they receive within 10 days. The policy does NOT exclude breeds. So a dog or cat that has suffered from bilateral conditions in the past will more likely to be affected by the same condition.
It allows for a six-month wait period for canine orthopedic issues
The waiting period for certain orthopedic conditions such as hip dysplasia in canines is six months. Embrace pet coverage has this six-month waiting period. However, it is possible to reduce the waiting period by applying for a waiver of this condition. Your dog must be examined by a veterinarian to qualify for the waiver. Your vet will fill in a veterinary Orthopedic Report Card. This card will be submitted to Embrace. If your exam meets the requirements of Embrace, you will be reimbursed for the cost.
There are many waiting periods for pet insurance companies. It is important to know what your waiting period is before you enroll. For example, some companies have a four-day waiting period for accidents or illnesses. Others, however, have a 14 day waiting period. Embrace requires a six-month wait period for canine orthopedic issues. You can waive the exam if your dog has undergone a veterinary ortho exam in the past six months.
It is affordable
Embrace Insurance is competitively priced and offers a variety of options for its customers. Monthly premiums are based on your pet's age, breed, size, and gender. You can reduce the cost of the policy in some cases by signing up for a Healthy Pet Discountible. This plan will help you avoid financial hardships that could arise from pet care or medical expenses.
Embrace offers accident and illness coverage to dogs and cats as young as 14. This type of insurance doesn't require a yearly renewal. It also offers an accident-only policy for older pets. The policy includes coverage for congenital and breed-specific conditions, as well as pre-existing conditions that have been in remission for a year. Embrace also covers alternative and rehabilitation therapies. Embrace also offers plans with a shorter waiting period for accidents and illnesses.