---
title: Does Embrace Have State-Specific Waiting Periods? | Embrace Pet Insurance Help Center
description: Embrace offers personalized, affordable pet insurance for dogs & cats with up to 90% back at any vet. Add a wellness plan for total protection. Get a free quote for your pet's customized policy.
lastUpdated: 2025-10-02T19:06:24.000Z
sources:
  html: https://www.embracepetinsurance.com/help/article/does-embrace-have-state-specific-waiting-periods
  md: https://www.embracepetinsurance.com/help/article/does-embrace-have-state-specific-waiting-periods.md
---

---

# How can we help?

Search Search

---

[Help Hub](/help)
![Chevron Right](-)
[Insurance Coverage Details](/help/category/insurance-coverage-details)
![Chevron Right](-)
[Does Embrace Have State-Specific Waiting Periods?](/help/article/does-embrace-have-state-specific-waiting-periods)
<!-- <main> -->
# **Does Embrace Have State-Specific Waiting Periods?**

Understanding state-specific insurance waiting periods for pet health

Waiting periods, or exclusion periods, determine how long you must wait after purchasing a policy before certain conditions or treatments are covered by insurance. These can vary depending on your state. See below for a summary, but as always check your specific Terms and Conditions for details.

**Illness Waiting Period**: A 14-day period applies for illnesses, starting from the policy’s effective date.

**O** **rthopedic waiting periods:** Vary by state. [Check your specific state’s details here](https://www.embracepetinsurance.com/guides/orthopedic-waiting-period).


<!-- </main> -->

---

## Still Have Questions?

Get in touch with our Insurance and Claims Experts

##### Customer Care

Monday - Friday: 9 am - 8pm ET

Saturday: 10 am - 2pm ET

Phone: (855) 540-2104*

Fax: (800) 238-1042

##### Policy Quotes & Purchase

Monday - Friday: 9 am - 8 pm ET

Saturday: 10 am - 4 pm ET

Phone: (855) 540-0591



---

---

### Ready to protect your furry friend?

Call [(800) 779-1539](tel:8007791539)

Get a Quote

---