Embrace, a Ohio-based provider for pet insurance, provides personalized pet insurance. They offer several unique features, such as a declining policy deductible for routine and preventative health care. The Wellness Rewards program rewards pets for regular and preventative care. The company is an associate member of 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. This insurer reviews the medical records of your pet and will inform you if it has any preexisting conditions. The insurer also offers a 30-day money-back guarantee. You can also get a discount on monthly premiums if you have more than one pet.
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 adjust your deductible and reimburse percentage. You can also customize your plan to meet your needs.
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 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 permits pet owners to take their pet anywhere in the country, regardless of where they live. 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
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. The waiver process requires your dog to undergo a physical examination by a veterinarian. Your vet will fill in a veterinary Orthopedic Report Card. This card will be submitted to Embrace. If you meet the requirements, Embrace can reimburse you for the cost of this examination.
There are many wait periods that pet insurance companies offer. Be sure to check what the waiting period is before signing up. There are some companies that have a waiting period of four days for illnesses or accidents. 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 competitively priced
Embrace Insurance is very affordable and has many options. Monthly premiums will be based on the age, breed, size and gender of your pet. In certain cases, you may also be able reduce the cost by signing up to a Healthy Pet Depositible. 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 is available for older pets and does not require renewal. The policy provides coverage for pre-existing and congenital conditions. Embrace also offers coverage for rehabilitation and other therapies. Embrace also offers plans with a shorter waiting period for accidents and illnesses.