Embrace, a Ohio-based provider for pet insurance, provides personalized pet 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 pet policy can provide coverage that covers your pet as well as your budget. The insurer will review your pet's medical records to determine if there are any pre-existing conditions. The insurer also offers a 30-day money-back guarantee. If you have more than one pet, you can get a discount on your monthly premiums.
Embrace offers flexible plans for cats and dogs. You can adjust the coverage amount according to your pet's age, breed and species. You can also choose your deductible amount and reimbursement percentage. This will allow you to customize your plan to suit the budget.
It provides a two-day wait period for accidents
Consumers are required to submit a calendar year's worth medical records, as well as the date of birth for Embrace pet coverage. 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. Clients receive reimbursement from the insurance company within 10 days. 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 period for canine orthopedic conditions
The waiting period for certain orthopedic conditions such as hip dysplasia in canines is six months. Embrace pet coverage has this six-month waiting period. 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. Your vet will fill out a veterinary Orthopedic Report Card and submit it to Embrace. Embrace will reimburse you the cost of this exam if it meets the requirements.
Different pet insurance companies have different waiting periods. Before you sign up, be sure to read the terms. There are some companies that have a waiting period of four days for illnesses or accidents. Others have a fourteen-day waiting period. 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 competitively priced
Embrace Insurance's competitive pricing and wide variety of options makes it a great choice. Monthly premiums are based on your pet's age, breed, size, and gender. In certain cases, you may also be able reduce the cost by signing up to a Healthy Pet Depositible. This plan can help reduce unnecessary financial burdens for pet care and medical expenses.
Embrace offers accident and illness coverage to dogs and cats as young as 14. This type is available for older pets and does not require renewal. The policy covers pre-existing, congenital, and breed-specific diseases as well. Embrace also covers alternative and rehabilitation therapies. Embrace offers plans that have a shorter waiting time for illnesses and accidents.