Cheap Pet Insurance Not Always the Best

Just because something is cheap doesn't mean you're getting a bargain. But by selecting the right policy you can lower your premiums and lower your pet insurance premium without sacrificing quality.

If you want to lower your pet insurance premiums there are several ways you can do this with Embrace policies:

• Increase your deductible: you might consider a major medical pet insurance policy with a high deductible. You are still protected for those unexpectedly high veterinary bills but your premiums are considerably lower than policies with a $100 or $200 per annual deductible.
• Sign your company or organization up for our employee benefits program and you'll get a 5% discount.
• Spay or neuter your pet for a 5% discount
• Microchip your pet for a 5% discount

There are a few other factors that affect your pet insurance premium too that you should know about:

• Location: your premiums vary by location so that a move from Orange County, California, to rural Texas can drop your premiums as much as 50%
• Cats versus dogs: while veterinary bills for cats cost about the same as dogs on average, dogs go to the veterinarian more often than cats, so cats have lower pet insurance premiums
• Species and breed: some breeds have fewer health issues than others (such as Jack Russell Terriers compared to Bloodhounds). Mixed breed pets have fewer issues than purebred pets on average and smaller dogs have fewer health issues than larger ones. These factors are all built into your premium. If you are getting a new pet, you might consider adopting a smaller, mixed breed dog or a cat.

So, if you are looking for cheap pet insurance, you don't have to sacrifice quality for price, just choose your policy wisely.