Embrace in Ohio is a pet insurance company that offers customized pet insurance. They have several innovative features, including a declining deductible for preventative and routine care. A Wellness Rewards program rewards your pet for routine or preventative care. The company belongs to the North American Pet Health Insurance Association.
Embrace provides customizable plans
An Embrace policy for pet insurance can offer coverage for your pet, your budget and both. This insurer will examine your pet's medical history and let you know if any pre-existing condition. It offers a money back guarantee within the first 30 days. If you own more than one pet, your monthly premiums can be reduced.
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 select your deductible amount or reimbursement percentage. You can also customize your plan to meet your needs.
It provides a two-day wait period for accidents
Consumers must submit a full year of vet records and the birth date for Embrace pet insurance plans. 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 are reimbursed by the insurance company for the services they receive within 10 working 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 offers a six month waiting window for canine 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. A waiver of the condition is an option that can reduce the time it takes to wait. The waiver process requires your dog to undergo a physical examination by a veterinarian. Your vet will fill out a veterinary Orthopedic Report Card and submit it to Embrace. If it meets the requirements, Embrace may reimburse the cost of the exam.
The waiting periods of pet insurance companies vary greatly. Before enrolling, it is important that you understand the waiting period. There are some companies that have a waiting period of four days for illnesses or accidents. 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 priced competitively
Embrace Insurance is very affordable and has many options. 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 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 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.