Waiting Period & Vet Visit
Why Have a Waiting Period?
The waiting period exists to prevent fraud and is required for all newly enrolling pets or new pets being added to an existing policy.
All Embrace policies have a 14-day waiting period for accidents and illnesses and (for dogs only) a 6-month waiting period for orthopedic conditions. The good news is you can reduce the 6-month waiting period for orthopedic conditions to 14 days by following the Orthopedic Exam and Waiver Process.
Both waiting periods start on the date your policy becomes effective. Conditions that occur during the waiting period are not covered.
An Example of How the Waiting Period Works
If you purchase a policy on January 1st at lunchtime, your policy becomes effective on January 2nd at 12:01AM eastern time. Your waiting period lasts until January 15th at 11:59PM and your dog's orthopedic waiting period lasts until July 1st.
What If I Make A Claim During the Waiting Period?
Unfortunately if your pet has a health issue during the waiting period then your claim will not be covered, even if it was an unforeseeable emergency.
Required Vet Visit
In order to satisfy your policy terms and conditions, your pet needs to have been seen by a licensed veterinarian in the past 12 months and you need to have access to the exam record. If not, you must visit your veterinarian within the first 14 days of your policy before coverage begins. Currently Embrace does not need immediate proof of this exam; however, we may ask for it in the future, especially when processing claims.