Embrace, an Ohio-based provider of pet insurance, offers personalized pet insurance. They offer a declining deductible that allows for routine and preventative care. The Wellness Rewards program rewards pets for regular and preventative care. The company belongs to the North American Pet Health Insurance Association.
Embrace offers customizable plans
An Embrace pet insurance policy will provide coverage for your pet and your finances. This insurer reviews the medical records of your pet and will inform you if it has any preexisting conditions. 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 modify the coverage amount to suit your pet's breed, age and species. You also have the option to choose your deductible percentage and reimbursement percentage. This will allow you to customize your plan to suit the budget.
It offers a two-day waiting period for accidents
Consumers are required to submit a calendar year's worth medical records, as well as the date of birth for Embrace pet coverage. This allows the insurance company's to adjust the premium based upon the age and type of pet. 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. Clients are reimbursed by the insurance company for the services they receive within 10 working days. A policy does not cover breeds. Therefore, a cat or dog with a history that includes bilateral conditions will be more likely to suffer the same condition in future.
It allows for a six-month wait period for canine orthopedic issues
For certain orthopedic conditions in dogs, such as hip dysplasia, Embrace pet insurance offers a six month waiting period. A waiver of the condition is an option that can reduce the time it takes to wait. Your dog must be examined by a veterinarian to qualify for the waiver. Embrace will receive a veterinary Orthopedic Report Card from your vet. Embrace will reimburse you the cost of this exam if it meets the requirements.
Different pet insurance companies have different waiting periods. Before you sign up, be sure to read the terms. Some companies offer a four-day waiting time for illness or accidents. Others have a 14-day waiting period. 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 has a competitive price and offers a range of options to its customers. Monthly premiums are based on your pet's age, breed, size, and gender. You may be able to reduce the cost of your policy by enrolling for the Healthy Pet Deductible. This plan will help you avoid financial hardships that could arise from pet care or medical expenses.
Embrace covers dogs and cats aged under 14. This type of insurance does not require a yearly renewal and offers an accident-only plan for older pets. The policy covers congenital and breed-specific conditions as well as pre-existing conditions which have been in remission for at least one year. Embrace also covers alternative and rehabilitation therapies. Embrace also offers plans that offer shorter waiting times for certain illnesses and accidents.