Dilemma: Premiums increase as pets age

The saying “better with age” applies to wine and fine cheeses, but probably has never been said about pet insurance premiums. While Embrace will never reduce the coverage for aging pets, the premiums do go up a bit each year as our pets get older to account for the increasing risk of illness. While it’s good news that your coverage remains reliable even as your pet’s health begins to decline, the increase serves as more than just a reminder that your pet is getting on in years and can have some pet parents reconsidering the cost-benefit of their coverage.

Ditto - BeagleDitto - 2006

This was the case for the pet parent of Ditto, a 10 year old Beagle originally from Cleveland, OH and now living in Seattle, WA. Ditto was one of the first Embraced pets back in 2006 and we enjoyed getting photos and updates from this young lady. Fast forward to 2014 and Ditto’s rates have increased, despite her being relatively healthy. Her most recent increase was roughly 20%, an increase her pet parent felt was “steep” and he wrote in looking for advice on what to do with her coverage. While hesitant to drop the coverage, he seemed to wonder if it made sense to continue with the current coverage as is.

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Podcast: Talking Kids and Pets with Dr. Patrick Mahaney

Most folks agree that there’s nothing sweeter than kids with pets, but it’s not always easy to have both. Many of us at Embrace have both four and two legged little ones at home, and we know that the balance can be a bit tricky sometimes. Managing everyone’s’ needs for exercise, care, and attention, while integrating animals and children safely requires some skill. We’ve checked in with Dr. Mahaney to help you keep everyone happy, healthy, and safe.

Dr. Mahaney helps us with the following questions:

  • What's the best way to build positive experiences for kids to help them reduce their fears surrounding pets?
  • Are there any illnesses parents should be worried about kids passing to pets or vice versa?
  • What's the best way to get a pup ready for new baby?
  • Any good tricks to keep the dogs from swiping the baby's toys besides the obvious solution of storage? A lot of them squeak the same.
  • What is your best advice for teaching kids and pets how to be "gentle" with each other, while encouraging interaction?

Click on the link below to hear the audio:

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Guest post: Childhood and Pets….they just go together

I am now coming up on my double nickel birthday, 55. Wow, how did that happen? Time surely flies. When I look back, I tend to divide my life into sections, according to the dog I had at that time. Animals live your life; they age with you; they share your special moments. In my grade school days there was Tuffy, a reported purebred Fox Terrier that grew up to be a 50 pound version of a yellow Lab. (Funny, the breeder moved out of town a week after they sold Tuffy to my Dad. Hmm….) In my high school days, it was Yankee Boy, an abandoned Pekingese, a feisty little guy that my brother saved from a vet’s boarding kennel. Finally, in my college days I had Stewy and Ryan, two strays that patiently endured my many examinations as I progressed through vet school. I could not imagine my childhood and early adulthood without those pets. They were my friends. They understood me. They brought so much happiness to my life.

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Embrace Increases Enrollment Age Limits

We’ve always had a soft spot for senior pets at Embrace but, unfortunately, our age limits didn’t always reflect it. Senior pets hoping to enroll were limited to Accident-only coverage causing many multi-pet households with senior pets to look elsewhere so they could get full accident and illness coverage for all their pets with the same carrier.


Our first senior pet, a 12 year old Siamese named Waffle, joined the Embrace family in late July.

Thankfully, times have changed! We’re proud to announce that cats and dogs age 14 and younger can now enroll with full accident and illness coverage. 9 year old Great Dane? 13 year old Tabby? 10 year old Yorkie? Sign them up! Pets who enroll with full coverage keep it for life, we never drop coverage as a pet ages or if you submit claims.

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October is Kids and Pets Month

Kayden and StellaKayden & Stella

Ah, kids and pets, two of my great loves. I was watching this morning as my two-year old daughter, Stella, was playing on her play set, while my Pit Bull mix, Kayden, looked up at her lovingly. He simply adores her. He tolerates her tantrums and her extreme, sometimes aggressive, love all with the same stoicism. Her grandparents remark that no one would ever get a chance to hurt Stella if Kayden were watching. I love that she’s got a companion and guardian all in one.

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