Embrace is an Ohio-based pet health insurance provider that offers personalized pet health insurance. They have many innovative features such as a declining deductable for routine and preventative care. They also have a Wellness Rewards program that rewards your pet for routine and preventative care. The company belongs to 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 reviews the medical records of your pet and will inform you if it has any preexisting conditions. The policy also includes a money-back guarantee after the first 30 day. If you own more than one pet, your monthly premiums can be reduced.
Embrace offers customized plans for both dogs and cats. You can alter the coverage amount depending on the age, breed, or species of your pet. 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 2-day waiting period in the event of an accident
Consumers must submit a full year of vet records and the birth date for Embrace pet insurance plans. This allows the insurance provider to adjust your pet's premium based on their age and breed. The company also requires that pets be at least 15 years old to qualify for accident 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. The insurance company reimburses clients within 10 days for the services received. It does not apply to breeds. For example, a cat or dog who has been diagnosed with bilateral conditions in the past is more likely that they will experience the same condition again.
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. Embrace will receive a veterinary Orthopedic Report Card from your vet. If the exam meets the requirements, Embrace will reimburse the cost.
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. Some companies have a 14-day waiting time. Embrace has a six month waiting period for canine ortho conditions. However, you can waive this exam for your dog if your dog has had a veterinary orthopedic examination within the past six months.
It is affordable
Embrace Insurance is very affordable and has many options. Monthly premiums are based on your pet's age, breed, size, and gender. A Healthy Pet Deductible can be used to lower the cost of your policy in certain cases. 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 doesn't require a yearly renewal. It also offers an accident-only policy 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 offers coverage for rehabilitation and other therapies. Embrace also offers plans with a shorter waiting period for accidents and illnesses.