Embrace, a Ohio-based provider for pet insurance, provides personalized pet insurance. They offer many unique features, including a declining high-deductible for routine or preventative care. The Wellness Rewards program rewards pets for regular and preventative care. The company is a member in good standing of the North American Pet Health Insurance Association.
Embrace provides customizable plans
An Embrace pet policy can provide coverage that covers your pet as well as your budget. This insurer reviews the medical records of your pet and will inform you if it has any preexisting conditions. It also offers a money-back guarantee for the first 30 days. If you have multiple pets, you may be eligible for a discount on monthly premiums.
Embrace offers customizable plans for dogs and cats. You can modify the coverage amount to suit your pet's breed, age and species. You can also decide on your deductible amount, and the percentage of reimbursement. You can customize your plan to suit your budget.
It provides a two-day wait period for accidents
When enrolling in an Embrace pet plan, the consumer must provide a year's worth vet records along with the birth date. This allows insurance companies to adjust the premium depending on the age and breed. For accident coverage to be available, the insurance company requires that all pets must be over 15 years.
Embrace also allows pet owners to bring their pets to any veterinarian in the 50 states. Clients receive reimbursement from the insurance company 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 offers a six month waiting window for canine conditions.
For certain orthopedic conditions in dogs, such as hip dysplasia, Embrace pet insurance offers a six month waiting period. 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. Embrace will send a veterinary Orthopedic Report Card to your veterinarian. 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. Some companies offer a four-day waiting time for illness or accidents. Others have a fourteen-day waiting period. Embrace has a sixmonth waiting period for canine-related orthopedic conditions. But, if your dog has received a veterinary exam within the last six month, you can waive the exam.
It is affordable
Embrace Insurance has a competitive price and offers a range of options to 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 can help you avoid unnecessary financial burdens when it comes to pet care as well as medical expenses.
Embrace provides accident and illness coverage for dogs and cats under the age of 14. This type is available for older pets and does not require renewal. 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.