Embrace, a Ohio-based provider for pet insurance, provides personalized pet insurance. They have many innovative features such as a declining deductable for routine and preventative care. You can also earn rewards for your pet's routine and preventative care by joining the Wellness Rewards program. The company belongs to the North American Pet Health Insurance Association.
Embrace has customizable plans
An Embrace policy for pet insurance can offer coverage for your pet, your budget and both. 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 have more than one pet, you can get a discount on your monthly premiums.
Embrace offers customized plans for both dogs and cats. You can alter the coverage amount depending on the age, breed, or species of your pet. You also have the option to choose your deductible percentage and reimbursement percentage. This will allow you to customize your plan to suit the budget.
It provides a two-day wait period for accidents
When enrolled in an Embrace pet insurance plan, consumers are required to submit a year's worth of vet records as well as the birth date of their pet. This allows the insurance provider to adjust your pet's premium based on their age and breed. 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. Clients receive reimbursement from the insurance company 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 period for canine orthotic conditions
Embrace pet insurers have a six-month waiting time for certain canine orthopedic conditions like hip dysplasia. However, it is possible to reduce the waiting period by applying for a waiver of this condition. A veterinarian must perform a physical exam on your dog in order to waive the condition. Embrace will send a veterinary Orthopedic Report Card to your veterinarian. If it meets the requirements, Embrace may reimburse the cost of the exam.
There are many waiting periods for pet insurance companies. It is important to know what your waiting period is before you enroll. Some companies offer a four-day waiting time for illness or accidents. Others, however, have a 14 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 competitively priced
Embrace Insurance is competitively priced and offers a variety of options for its customers. Monthly premiums are determined by your pet's gender, age, breed, and size. In some cases, you can also reduce the cost of the policy by signing up for a Healthy Pet Deductible. This plan can help you avoid unnecessary financial burdens related to pet care and medical expenses.
Embrace offers accident and illness coverage to dogs and cats as young as 14. This type of insurance does not require a yearly renewal and offers an accident-only plan for older pets. The policy covers congenital and breed-specific conditions as well as pre-existing conditions which have been in remission for at least one year. Embrace also covers alternative and rehabilitation therapies. Embrace also offers plans with a shorter waiting period for accidents and illnesses.