Waiting Periods

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. Both waiting periods start on the date your policy becomes effective. Conditions that occur during the waiting period are not covered.

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.

There is no waiting period for the Embrace Wellness Rewards plan and you can begin using it immediately.

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.