Healthy Pet Deductible

Healthy pet? You should be rewarded!

What Is Healthy Pet Deductible?

With Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year that you don't receive a claim reimbursement.

Healthy Pet Deductible is included with every policy at no extra charge.

How it Works

Let's say your cat has a $200 annual deductible.

  • Year 1 you receive no claim reimbursement, your pet is credited $50 towards his deductible.
  • Year 2 you receive no claim reimbursement, your pet is credited an additional $50 towards his deductible, a total of $100 credit.
  • Year 3 you submit a claim for $1,200 and we apply your $100 Healthy Pet Deductible credit. Your deductible is effectively reduced from $200 to just $100.
  • Year 4 your Healthy Pet Deductible resets, with your pet's deductible back at $200.

Once your pet's deductible decreases to $0, that's as low as it can go. We'll automatically apply any Healthy Pet Deductible credits you've earned when you're eligible for reimbursement. Once you receive an accident or illness claim reimbursement greater than your current Healthy Pet Deductible credit, the Healthy Pet Deductible credit resets to zero for your next policy year.

Healthy Pet Deductible applies only to accident and illness claims. Wellness Rewards claims for routine care are handled separately.

Great for Multi-pet Families

If you have more than one pet on your policy, Healthy Pet Deductible applies to each pet. Each pet accumulates and uses the Healthy Pet Deductible separately from any other pet.

Embrace Exclusive

The Healthy Pet Deductible is exclusive to Embrace Pet Insurance. We consider it an important part of the commitment to our Embraced pets and pet parents.
Mind if we pay your vet bills?

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.