Embrace, a Ohio-based provider for pet insurance, provides personalized pet insurance. They have several innovative features, including a declining deductible for preventative and routine care. They also have a Wellness Rewards program that rewards your pet for routine and preventative care. The company is a member of the North American Pet Health Insurance Association.
Embrace has customizable plans
If you want coverage for both your pet and your budget, you can opt for an Embrace pet insurance plan. The insurer will check your pet's records and inform you if any pre-existing medical conditions are present. 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 customized plans for both dogs and cats. You can adjust the coverage amount based on your pet’s age, breed, and species. You can also adjust your deductible and reimburse percentage. You can customize your plan to suit your budget.
It offers a 2-day waiting period in the event of an accident
Consumers who enroll in Embrace pet insurance are required submit a year worth of vet records. This allows the insurance company to adjust the premium based on the age and breed of the pet. To be eligible for accident coverage, the company requires that your pet must be at least 15 years of age.
Embrace also allows pet owners to bring their pets to any veterinarian in the 50 states. The insurance company reimburses clients for the service they receive within 10 days. The policy does NOT exclude breeds. So a dog or cat that has suffered from bilateral conditions in the past will more likely to be affected by the same condition.
It provides a six-month waiting time for canine orthopedic conditions
Embrace pet insurance covers certain canine orthopedic conditions. This includes hip dysplasia. There is a six-month waiting window. It is possible to waive this condition and reduce the waiting time. Your dog will have to be examined by the veterinarian in order for the waiver process to take place. Your vet will fill in a veterinary Orthopedic Report Card. This card will be submitted to Embrace. Embrace will reimburse you the cost of this exam if it meets the requirements.
There are many waiting periods for pet insurance companies. It is important to know what your waiting period is before you enroll. For example, some companies have a four-day waiting period for accidents or illnesses. Some companies have a 14-day waiting time. 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 very competitively priced
Embrace Insurance is competitively priced and offers a variety of options for its customers. Monthly premiums depend on your pet’s age, gender, size, breed, and age. You can reduce the cost of the policy in some cases by signing up for a Healthy Pet Discountible. This plan can help to avoid unneeded financial burdens in relation to pet care and medical expenses.
Embrace offers coverage for cats and dogs under 14 years old. This type of insurance does not require a yearly renewal and offers an accident-only plan 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 plans also offer shorter waiting periods for injuries and illnesses.