Embrace, a Ohio-based provider for pet insurance, provides personalized pet insurance. They have several innovative features, including a declining deductible for preventative and routine care. You can also earn rewards for your pet's routine and preventative care by joining the Wellness Rewards program. The company is an associate member of the North American Pet Health Insurance Association.
Embrace offers customizable plans
You can choose an Embrace pet plan if you want to provide coverage for both your pet's health and your financial situation. The insurer will review your pet's medical records to determine if there are any pre-existing conditions. It offers a money back guarantee within the first 30 days. You can also get a discount on monthly premiums if you have more than one pet.
Embrace offers customizable plans for dogs and cats. You can adjust your pet's age and breed to alter the coverage amount. You also have the option to choose your deductible percentage and reimbursement percentage. This way, you can tailor your plan to fit your budget.
It allows for a waiting period of two days in case of an accident
Consumers who enroll in Embrace pet insurance are required submit a year worth of vet records. This allows insurance companies to adjust the premium depending on the age and breed. The insurance company requires that the pet be at minimum 15 years old in order to be eligible for accidental coverage.
In addition to the two-day waiting period, Embrace allows pet owners to take their pet to any veterinarian in all 50 states. Clients receive reimbursement from the insurance company within 10 days. It does not apply to breeds. For example, a cat or dog who has been diagnosed with bilateral conditions in the past is more likely that they will experience the same condition again.
It provides a six month waiting period for canine orthotic conditions
Embrace pet insurance covers certain canine orthopedic conditions. This includes hip dysplasia. There is a six-month waiting window. You can apply for a waiver to lower the waiting period. Your dog will have to be examined by the veterinarian in order for the waiver process to take place. Your vet will fill out a veterinary Orthopedic Report Card and submit it to Embrace. If you meet the requirements, Embrace can reimburse you for the cost of this examination.
The waiting periods of pet insurance companies vary greatly. Before enrolling, it is important that you understand the waiting period. Some companies offer a four-day waiting time for illness or accidents. Others have a 14-day waiting period. Embrace charges a six-month waiting time for canine orthopedic conditions. If your dog has had a veterinary examination in the past six weeks, however, the fee can be waived.
It is priced competitively
Embrace Insurance's competitive pricing and wide variety of options makes it a great choice. Monthly premiums are determined by your pet's gender, age, breed, and size. 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 covers dogs and cats aged under 14. This type of insurance doesn't require a yearly renewal. It also offers an accident-only policy for older pets. The policy provides coverage for pre-existing and congenital conditions. Embrace also covers alternative and rehabilitation therapies. Embrace offers plans that have a shorter waiting time for illnesses and accidents.