Embrace is a Ohio-based company that provides personalized pet health insurance. They have several innovative features, including a declining deductible for preventative and routine care. A Wellness Rewards program is available that rewards your pet's regular and preventative health care. The company belongs to the North American Pet Health Insurance Association.
Embrace offers customizable plans
An Embrace policy for pet insurance can offer coverage for your pet, your budget and both. The insurer will review your pet's medical records to determine if there are any pre-existing conditions. It also offers a money-back guarantee for the first 30 days. You can also get a discount on monthly premiums if you have more than one pet.
Embrace offers flexible plans to suit both cats and dogs. You can modify the coverage amount to suit your pet's breed, age and species. You can also select your deductible amount or reimbursement percentage. This allows you to tailor your plan according to your budget.
It allows for a waiting period of two days in case of an accident
When enrolling in an Embrace pet plan, the consumer must provide a year's worth vet records along with the birth date. This allows the insurance provider to adjust your pet's premium based on their age and breed. For accident coverage to be available, the insurance company requires that all pets must be over 15 years.
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. The insurance company reimburses clients within 10 days for the services received. 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 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. You can apply for a waiver to lower the waiting period. A veterinarian must perform a physical exam on your dog in order to waive the condition. 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.
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. Some companies have a 14-day waiting time. 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 reasonably priced
Embrace Insurance is competitively priced and offers a variety of options for its customers. 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 will help you avoid financial hardships that could arise from pet care or medical expenses.
Embrace offers coverage for cats and dogs under 14 years old. This type of insurance does not require a yearly renewal and offers an accident-only plan for older pets. The policy provides coverage for congenital or breed-specific conditions and pre-existing conditions that have been remitted for a year. Embrace also provides coverage for rehabilitation and alternative therapies. Embrace offers plans that have a shorter waiting time for illnesses and accidents.