How to Add Your Cat to Your Policy for Pennies a Day

Far fewer people insure cats than dogs. Yes, dogs cost more overall, but that just means that cat policies are much less expensive than dog policies.

So why no pet insurance love for cats? Well, I’m here to say you can have your cat coverage AND save money too. In fact, adding a cat to your dog's policy is so inexpensive, you’ll wonder why you didn’t do it earlier.

How can that be? Let’s check the math.

multi-pet discountSay I have insured America’s favorite family pet, a 3 year old Labrador with a $300 annual deductible, $10,000 annual max, 80% reimbursement, and Rx drug coverage. That would cost me $39.38 per month (with the ACH discount as of Dec 23, 2014). Now, if I add my 3 year old mixed breed cat to the policy with a $500 annual deductible and $5,000 annual max (most common for cats), my premiums only go up $8.35 a month - less than 28 cents a day!

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Does Pet Insurance Cover Dental Cleanings and Illness?

IMG_0070As a matter of fact, you can get your dental cleaning and dental illness treatments covered up to $400 if you have the Embrace Pet Insurance Wellness Rewards Plus coverage.

The best part is, you don't have to fulfill restrictive dental care every year just to get the coverage; it's part of your pet's wellness care, as it should be. 

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September is Pet Health Insurance Month

Bulldog_PurpleIcepackLet's talk about pet insurance!

Many of you know, I am the Chairperson of the Board of the North American Pet Health Insurance Association (NAPHIA) where our goal is to increase awareness and trust of pet health insurance across North America. Pet insurance has been around for over 30 years in the US but less than 1% of cats and dogs are insured. Compare this to over 25% insured in the UK and you'll understand our goal more clearly.

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Embrace's new Healthy Pet Deductible

When I announced the Embrace Pet Insurance move to our new underwriter, American Modern, I promised to tell you about our new diminishing deductible feature, also known as the Healthy Pet DeductibleTM.

If it sounds familiar, it's probably because you have seen quite a few TV ads from several large auto insurers with their own versions of the deductible reducing every year of claims-free driving. The Embrace Healthy Pet Deductible is very similar - if you go a year without any claims paid out for your pet, your next year's annual deductible reduces by $50 and so on every year, until you reach a $0 deductible.

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Hey - it's my 1000th post on the Embrace Pet Insurance blog!

It's hard to believe that 999 posts ago, I wrote the first Embrace blog post called "What am I trying to do?" on April 28, 2005. As an entrepreneur, I have no time to look years ahead in the future but I must admit, years ahead, it is certainly darn satisfying to look back.

Just to backtrack, the Embrace blog came about as follows.

Alex Krooglik and I (Laura Bennett) were part of the team that won the 2003 Wharton Business Plan Competition with a pet insurance idea (I know! Who'd have thunk it). Once we graduated, we decided that pet insurance is what we wanted to do with our lives and thus Embrace Pet Insurance was born in July 2003. Several years went by (raising money is a cinch compared to finding an insurance partnership) and we sold our first policy in October 2006. Things keep getting better ever since.

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Learn about Embrace and Pet Insurance directly from the Chief Embracer's mouth, Laura Bennett

Over the previous winter, we worked on a fun project to put together some videos of me talking about different aspects of pet insurance. For your viewing pleasure, they are now up on YouTube on the Embrace Pet Insurance Channel.

The topics include:

Why Should I get Pet Insurance?

Researching and Buying Pet Insurance

How Pet Insurance Has Changed

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The Best Wellness Product in Pet Insurance

Usually I would say that "best" is in the eye of the beholder since what might be best for me might not be best for you. In the case of wellness with pet insurance though, it's hard to think of a situation where the Embrace Pet Insurance Wellness Rewards option isn't the best for everyone.

The Embrace Wellness Rewards works quite like a Health Spending Account and can save you a lot of money:

  • you pick one of the two Wellness Rewards options with your Embrace Pet Insurance policy - $200 or $400 limit
  • you can use the Wellness Rewards benefit the day you buy it - no waiting for the coverage to start the next day. That means you can buy it after your spay or neuter surgery and still have it covered if you buy the same day 
  • spend your Wellness dollars on wellness related care such as:
    • spay or neuter
    • flea or tick medication
    • routine vet visits and diagnostics
    • prescription diet foods (at the $400 Wellness Rewards Plus level)
    • and more
  • send in your claim form with your invoice and we'll reimburse you what you spent up to your annual limit
  • Best news of all? You do not have to pay a deductible and there's no copay percentage 

How do you save money? Well, the Wellness Rewards program costs less than the benefit you can get. And because we have no sublimits on each item and we pay you back exactly what you paid on your vet bill up to your limit, it's easy to max out your savings.

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Make 101 dollars on your pet's dental cleaning

Amos and Haylee
Too good to be true? Actually no.

Here's how it works. Add the Dental Rewards plan with an Embrace Pet Insurance policy and you'll get $400 of benefit for $299 cost annually ($101.00 savings) or $28.95 monthly ($52.60 savings).

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Happy Fifth Birthday to Embrace Pet Insurance!

IMG_1081 Happy Birthday to Embrace! This day five years ago, we sold our first policy to me and my cat Lily.

I distinctly remember when we got the go-ahead from our underwriters at the time, Lloyd's of London, and since I was out of the office on that day, I phoned in to purchase our first policy.

We'd been training our first 2 Embracers, Chris and Lea, on the phones by having people (including my mom) randomly call in to pretend to buy a policy so I didn't tell Lea, who happened to answer the phone this time around, that this was a "live" purchase until the end of the call. It was a giddy feeling for all of us when I told her to put through my real credit card info and really buy the policy.

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Cabela's Pet Insurance - insure your active outdoor dogs

Cabela's Pet Insurance logo 
Embrace Pet Insurance announces Cabela's Pet Insurance, pet health insurance for active outdoor dogs (and their sibling cats too!)  Protect your hunting, sporting and family dog against costly accidents and illnesses with the quality and superior customer service you have come to expect from Cabela's.

If you live on the East or West coast and never been to the great outdoors, you might not have heard of Cabela's, but for the rest of us, we know Cabela's as the World's Foremost Outfitter of hunting, fishing and outdoor gear and I'm a huge fan.

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