Embrace, an Ohio-based provider of pet insurance, offers 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
An Embrace pet policy can provide coverage that covers your pet as well as your budget. This insurer will examine your pet's medical history and let you know if any pre-existing condition. 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 flexible plans for cats and dogs. You can adjust the coverage amount according to your pet's age, breed and species. You can also choose your deductible amount and reimbursement percentage. You can customize your plan to suit 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 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 gives pet owners the option to take their pet in to any veterinarian within all 50 states, in addition to the two-day wait period. The insurance company reimburses clients for the service they receive within 10 days. 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 provides a six-month waiting time for canine orthopedic conditions
Embrace pet insurance has a six-month waiting period for certain canine orthopedic conditions, such as hip dysplasia. 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. Embrace will reimburse you the cost of this exam if it meets the requirements.
Waiting periods vary widely between pet insurance companies, and it's important to understand what the waiting period is before enrolling. Some companies have a 4-day waiting period for injuries or illnesses. Others have a waiting period of 14 days. Embrace has a six-month waiting period for canine orthopedic conditions, but you can waive the exam for your dog if you have undergone a veterinary orthopedic exam within the last six months.
It is reasonably priced
Embrace Insurance's competitive pricing and wide variety of options makes it a great choice. 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 related to pet care and medical expenses.
Embrace provides coverage for pets under the age 14 that covers them against illness and accident. 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 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 plans also offer shorter waiting periods for injuries and illnesses.