Embrace is an Ohio-based pet health insurance provider that offers personalized pet health insurance. They have many innovative features such as a declining deductable for routine and preventative care. A Wellness Rewards program rewards your pet for routine or preventative care. The company is a member 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. The insurer will review your pet's medical records to determine if there are any pre-existing conditions. It also offers a money-back guarantee for the first 30 days. If you own more than one pet, your monthly premiums can be reduced.
Embrace offers customizable plans for dogs and cats. You can adjust the coverage amount according to your pet's age, breed and species. You can also decide on your deductible amount, and the percentage of reimbursement. You can customize your plan to suit your budget.
There is a two-day waiting time for accidents
Consumers who enroll in Embrace pet insurance are required submit a year worth of vet records. 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 provides pet owners with the ability to take their pet to any vet in any 50 state, along with a two-day waiting period. 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 provides a six month waiting period for canine orthotic conditions
Embrace pet insurance has a six-month waiting period for certain canine orthopedic conditions, such as hip dysplasia. A waiver of the condition is an option that can reduce the time it takes to wait. A veterinarian must perform a physical exam on your dog in order to waive the condition. 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.
The waiting periods of pet insurance companies vary greatly. Before enrolling, it is important that you understand the waiting period. Some companies have a 4-day waiting period for injuries or illnesses. Others have a fourteen-day waiting period. Embrace has a six-month waiting period for canine orthopedic conditions, but you can waive the exam for your dog if you have undergone a veterinary orthopedic exam within the last six months.
It is very competitively priced
Embrace Insurance is competitively priced and offers a variety of options for its customers. 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 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 insurance doesn't need to be renewed every year and also provides coverage for older pets in the event of an accident. The policy provides coverage for pre-existing and congenital conditions. Embrace also covers alternative and rehabilitation therapies. Embrace also offers plans with a shorter waiting period for accidents and illnesses.