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. The Wellness Rewards program rewards pets for regular and preventative care. The company is a member the North American Pet Health Insurance Association.
Embrace offers customizable plans
If you want coverage for both your pet and your budget, you can opt for an Embrace pet insurance plan. This insurer reviews your pet's medical records and will let you know if it has any pre-existing conditions. It also offers a money-back guarantee for the first 30 days. If you have more than one pet, you can get a discount on your monthly premiums.
Embrace offers customizable plans for dogs and cats. You can adjust the coverage amount according to your pet's age, breed and species. You can also decide on your deductible amount, and the percentage of reimbursement. This way, you can tailor your plan to fit your budget.
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. The insurance company requires that the pet be at minimum 15 years old in order to be eligible for accidental coverage.
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 that has suffered from bilateral conditions in the past will more likely to be affected by the same condition.
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. However, it is possible to reduce the waiting period by applying for a waiver of this condition. 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. Embrace will reimburse you the cost of this exam if it meets the requirements.
The waiting periods of pet insurance companies vary greatly. Before enrolling, it is important that you understand the waiting period. Some companies have a 4-day waiting period for injuries or illnesses. Others, however, 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 affordable
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 related to pet care and 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 pre-existing and congenital conditions. Embrace also covers alternative and rehabilitation therapies. Embrace plans also offer shorter waiting periods for injuries and illnesses.