Embrace is a Ohio-based company that provides personalized pet health insurance. They offer several unique features, such as a declining policy deductible for routine and preventative health care. They also have a Wellness Rewards program that rewards your pet for routine and preventative care. The company is an associate 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 the medical records of your pet and will inform you if it has any preexisting conditions. You also get a 30-day guarantee of your money back. If you have more pets than one, you can receive a discount off your monthly premiums.
Embrace offers flexible plans for cats and dogs. You can alter the coverage amount depending on the age, breed, or species of your pet. You can also select your deductible amount or reimbursement percentage. This allows you to tailor your plan according to 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 insurance companies to adjust the premium depending on the age and breed. 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. The insurance company reimburses clients within 10 days for the services received. 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 offers a six month waiting window for canine 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. The waiver process requires your dog to undergo a physical examination by a veterinarian. 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.
The waiting periods of pet insurance companies vary greatly. Before enrolling, it is important that you understand the waiting period. Some companies offer a four-day waiting time for illness or accidents. Others have a fourteen-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. A Healthy Pet Deductible can be used to lower the cost of your policy in certain cases. This plan can help reduce unnecessary financial burdens for 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 provides coverage for congenital or breed-specific conditions and pre-existing conditions that have been remitted for a year. Embrace also covers alternative and rehabilitation therapies. Embrace also provides plans with a shorter waiting list for illness and accidents.