Embrace is a Ohio-based company that provides personalized pet health insurance. They have many innovative features such as a declining deductable for routine and preventative care. You can also earn rewards for your pet's routine and preventative care by joining the Wellness Rewards program. The company is a member of the North American Pet Health Insurance Association.
Embrace offers customizable plans
If you want coverage for both your pet and your budget, you can opt for an Embrace pet insurance plan. 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 have multiple pets, you may be eligible for a discount on monthly premiums.
Embrace offers flexible plans for cats and dogs. You can adjust your pet's age and breed to alter the coverage amount. You can also choose your deductible amount and reimbursement percentage. This allows you to tailor your plan according to your budget.
It provides a two-day wait period for accidents
Consumers who enroll in Embrace pet insurance are required submit a year worth of vet records. 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 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 offers a six-month waiting period for canine orthopedic conditions
Embrace pet insurers have a six-month waiting time for certain canine orthopedic conditions like hip dysplasia. The waiting period can be reduced by applying for a waiver. Your dog will have to be examined by the veterinarian in order for the waiver process to take place. Your vet will fill out a veterinary Orthopedic Report Card and submit it to Embrace. If your exam meets the requirements of Embrace, you will be reimbursed for the cost.
The waiting periods of pet insurance companies vary greatly. Before enrolling, it is important that you understand the waiting period. For example, some companies have a four-day waiting period for accidents or illnesses. Others have a waiting period of 14 days. 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 very competitively priced
Embrace Insurance's competitive pricing and wide variety of options makes it a great choice. Monthly premiums are determined by your pet's gender, age, breed, and size. In some cases, you can also reduce the cost of the policy by signing up for a Healthy Pet Deductible. This plan will help you avoid financial hardships that could arise from pet care or medical expenses.
Embrace provides coverage for pets under the age 14 that covers them against illness and accident. 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 provides coverage for rehabilitation and alternative therapies. Embrace also offers plans with a shorter waiting period for accidents and illnesses.