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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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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It’s National Pet Insurance month and when you want to learn about all things pet insurance, you go to the experts. We’re still waiting for the day when Laura Bennett is asked to do a TEDtalk on pet insurance, but in the meantime, listen in as she and Dr. Patrick Mahaney answer your questions on everything from top claims to alternative therapies.

Laura shares with us:

  • What is the (estimated) number or percentage of pet owners in the U.S. who have insurance for their pets?
  • What are Embrace’s top canine and feline health claims?
  • What are the main reasons pet owners give for establishing health insurance for their cats and dogs?
  • Why should a pet owner get pet insurance (ability to have pet undergo diagnostics, treatment, etc.)?
  • Does the typical pet owner keep their pet on Embrace insurance throughout the pet's life?
  • Does Embrace cover any pre-existing conditions?
  • Does Embrace cover complementary and alternative medicine (CAM), such as acupuncture, physical therapy, chiropractic, etc.?

And, Dr. Mahaney tells us what veterinarians think about pet insurance and how it has changed over recent years.

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We’re all pretty clear on what can impact your car insurance premiums (speeding, causing an accident, or driving under the influence) or health insurance premiums (smoking, obesity, and age). But, when it comes to your cat or dog’s Embrace premium, a lot of factors are considered to determine the cost. What you pay for your Lab likely won’t be the same as what your neighbor pays for her Pomeranian, or even what your in-laws pay for their Labrador in another state. Some of the factors are things you can control. Some aren’t.

Pet Insurance PremiumFirstly, I’d like to rule out a few common assumptions about things that some people think affect their premium. Contrary to popular belief, these items do not directly impact premium:

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“Why should I get pet health insurance?” I hear that from clients all the time. My answer….”Why wouldn’t you get pet health insurance?” What is the downside?

There are many misunderstandings about what pet health insurance is. It is not like our health insurance. It is not managed care. Pet health insurance is more like car insurance. Car insurance is there when you need it, so you do not have a big out-of-pocket cost if something happens to your car. The same goes for your pet with pet health insurance. They are both indemnity insurance, which by definition is “protection or insurance against future loss or damage.”

Vet Pet InsuranceI do think some of the hesitation about pet health insurance among vets comes from their experiences with the earliest companies. They were horrible. They were poor payers of claims and customer service was dismal. The clients would get mad at the company and also at the vet for recommending such a terrible thing! Those companies are still out there, so you still need to research the company you are going to use. A great resource is petinsurancereview.com. This site is similar to Angie’s List. They use customer reviews to rate the various companies. You can tell by the ratings which companies to avoid. It just so happens that Embrace is one of the highest rated!

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