Embrace is a no nonsense provider of pet insurance that has extensive width of coverage and excellent customer service. The wait times they require are the similar to PetFirst – 14 day waiting period for illness but coverage for accidents begins within 48 hours for most states, however some states require 14 days.
48 Hour waiting Period for Accidents
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming
14 Day Waiting Period for Accidents
Alaska, District of Columbia, Florida, Idaho, Kansas, Louisiana, Minnesota, Montana, New Hampshire, North Dakota, Rhode Island, South Carolina, Vermont, Washington, West Virginia
Secondly, there is a 6 month waiting period for orthopedic conditions with Embrace, but luckily it can be brought down to 14 days with a quick visit to the vets.
A Few Details about this Insurer:
With Embrace, an average quote for dogs would be: $32 per month and an average quote for cats would be: $20 per month.
Our sample quotes are based on: 2 year old mixed breed spayed female, with $5,000 annual limit, $200 deductible, and 80% reimbursement level.
Covered Animals: Dogs, Cats
|Annual Deductibles: $200, $300, $500, $1000
||Per Incidence Limits: No Limits
||Type of Deductable: Annual
|Co-Pay Coverage: 65%, 80%, 90%
||Annual Claims Limits: $5,000, $10,000, $15,000
||Money Back Guarantee: 30 Days
|Minimum Enrollment Age: 6 Weeks
||LifeTime Claims Limits: no limits
||Multiple Pet Discount: 5%
|Maximum Enrollment Age: 14 Years
||Effective Date: Day after purchase
||Reimbursement Based on: Actual Veterinary Charges
|Exam Fees Covered: Yes
||Wellness Coverage: Add-on
||No Precoverage Exam Required:
|Hereditary/Congenital Conditions Covered: Yes
||Alternative Therapies: Yes
||Prescription Drug Coverage: Add-on