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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April is Pet Health Month at Embrace Pet Insurance

Even though you might have pet insurance to protect against costs from unexpected health events, the ideal situation is that your pet has no unexpected health events at all. Wouldn't that be nice?

To that effect, we're focusing this month on overall pet health and preventing health events as best we can.

And while we are talking of pet health this month, here are some excellent articles on the Embrace pet health site, The Water Bowl

And here's one final one for some Easter fun with your dog:

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Dr Marty Becker and Embrace Pet Insurance partner up

Dr Marty finalI'm so happy to announce that Embrace is partnering with Dr Marty Becker, also known as America's Veterinarian, to spread the word far and wide about Embrace's affordable and effective pet insurance to prevent economic euthanasia when cats and dogs get sick.

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When it’s time...to Remove a Pet from your Pet Insurance Policy

When I read this post that Embracer Lea wrote, I had a heavy heart and a tear in my eye. I've known Lyger as long as I've known Lea and he's been a wonderful part of Embrace's history.

It's hard to think you would ever drop your pet insurance policy for your older dog. What do you think about Lea's decision below?


Back in 2006 when I started with Embrace as one of just two employees, we weren’t even selling policies yet--just getting ready to.  But when the big day rolled around come October, we all jumped up and celebrated, then set to selling each other our very first insurance policies. Lyger, then just a six year old nutball who would sneak into the board meetings of our office neighbors, was among the first to be “embraced”.  We set him up with the “$5,000 max/$200 deductible/80% reimbursed” plan.

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October is Working Dogs and Cats Month at Embrace Pet Insurance

This month, we are celebrating working dogs and cats of all types at Embrace Pet Insurance.

And before you ask, yes, there are cats that do "work". Apart from cleaning up the rodents on the premises (which your cat may or may not have a talent for), some cats are quite good at being therapy cats, whether in a hospital, nursing home, or in your own home.

Having said that, dogs pull a lot of weight when it comes to work. There are police dogs that work actively in the field plus sniff out drugs, bombs, fruit and other banned substances, and of course, criminals. There are cadaver dogs, seizure or blood-sugar alert dogs, mold-sniffing dogs, and even cancer-sniffing dogs? And of course, dogs and cats that work on the farm or in the field hunting or dragging a sled in the Iditarod.

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Podcast: Dr Patrick Mahaney and Laura Bennett talk pet insurance

Laura May 2013This time, the tables are turned and Dr Patrick Mahaney asks me, Laura Bennett, CEO of Embrace Pet Insurance (EPI), questions on the topic of pet insurance. It is after all, Pet Health Insurance Month.

Questions covered are:

  • What is the (estimated) number or percentage of pet owners in the U.S. who have insurance for their pets?
  • What are EPI’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?
  • Does the typical pet owner keep their pet on Embrace's insurance throughout the pet's life?
  • Does EPI cover any pre-existing conditions?
  • Does EPI cover complementary and alternative medicine, such as acupuncture, physical therapy, chiropractic, and so on?

Click on the link below for the podcast.

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September is Pet Health Insurance Month across North America

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