Embrace Pet Insurance waiting period

What is a waiting period?

It is a period of time where the policy’s coverage is restricted. For Embrace policies, it is 48 hours for injuries* and 14 days for illnesses.

What does this mean?

Conditions that occur during the waiting period may be excluded from your coverage as a pre-existing condition. That's to protect against a pet parent seeing illness symptoms in his dog or cat, signing up for pet insurance, and then going to the vet and claiming right away. As I've said before, pet insurance is for unexpected illnesses and injuries, and preventing these claims for known conditions keeps the premiums down for everyone.

The good news is that you don't have to go through the waiting period all over again when your policy renews as the waiting period is waived for policy and endorsement renewals.

* = Accident waiting period varies by state. It is either 48 hours of 14 days.

While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.

Mind if we pay your vet bills?

Copyright 2005-2018

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.