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 is a member of the North American Pet Health Insurance Association.
Embrace offers customizable plans
An Embrace policy for pet insurance can offer coverage for your pet, your budget and both. This insurer reviews your pet's medical records and will let you know if it has any pre-existing 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 customized plans for both dogs and cats. You can adjust the coverage amount according to your pet's age, breed and species. You can also adjust your deductible and reimburse 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 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 also allows pet owners to bring their pets to any veterinarian in the 50 states. 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 offers a six month waiting window for canine conditions.
Embrace pet insurance covers certain canine orthopedic conditions. This includes hip dysplasia. There is a six-month waiting window. 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 you meet the requirements, Embrace can reimburse you for the cost of this examination.
There are many waiting periods for pet insurance companies. It is important to know what your waiting period is before you enroll. There are some companies that have a waiting period of four days for illnesses or accidents. Others have a fourteen-day waiting period. 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 competitively priced
Embrace Insurance is very affordable and has many options. Monthly premiums depend on your pet’s age, gender, size, breed, and age. In certain cases, you may also be able reduce the cost by signing up to a Healthy Pet Depositible. This plan can help to avoid unneeded financial burdens in relation to pet care and 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 provides coverage for congenital or breed-specific conditions and pre-existing conditions that have been remitted for a year. Embrace also covers rehabilitation and alternative therapies. Embrace also offers plans that offer shorter waiting times for certain illnesses and accidents.