Some orthopedic conditions may have six months waiting period. For illness coverage, there is a 14-day waiting period before benefits can be claimed which is still consistent with the industry average. Accident coverage kicks in two days after activating the policy. Embrace sets a shorter waiting period compared to the average. Just like other insurance providers, the coverage of a pet’s insurance policy does not begin as soon as you sign the contract. There’s also a $1 charge per month the annual cost of the policy is not paid in advance.
This is something that other providers do not charge. The $25 one-time enrollment fee is present when a pet is signed up. Pet owners should also take note of some charges that are not completely obvious at the start. The price of this add-on can increase the monthly premium by three times with limited added benefits. The wellness program, meanwhile, isn’t as affordable as the core plan. The basic coverage policy starts as low as $7 and $14 a month for cats and dogs respectively. TreatmentĮmbrace offers reasonable prices for their accident and illness plans. The table shows the complete list of treatments and items covered by the core accident and illness plan and the wellness rewards program. The wellness rewards program can reimburse a maximum of $650 for wellness treatments yearly. This add-on is a non-insurance option that will cover microchipping and vaccines. Pet owners can supplement the accident and illness plan with the wellness rewards program.
They also have an accident-only plan but the annual deductible is set to $100, coverage limit at $5,000, and reimbursement at 90%. Embrace also allows decent levels of customization by providing three different reimbursement amounts, five deductible levels, and five coverage limits. The core plan follows a reimbursement scheme for treatments that are not caused by a pre-existing condition. Embrace offers different levels of coverage for their accident and illness plans so that different pet owners with different requirements can find what they need.
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