Renew Your Policy

With automatic renewals, you can worry less and play more.

Smooth Renewals

No need to worry about lapses in coverage or conditions becoming pre-existing. Your policy renews automatically, keeping your pets covered as long as your premium is paid.  

Before Your Policy Renews

Two to four weeks before your policy renews you will receive the following via e-mail:

  • A renewal quote that shows your renewal premium
  • A copy of the Embrace terms & conditions for your renewal policy

The Day Your Policy Renews

On the day that your policy renews you will receive via e-mail:

  • A new and revised Certificate of Insurance
  • A copy of the Embrace terms & conditions for your renewal policy
  • A new pre-filled Embrace Claim Form

At renewal, your policy annual maximum and deductible re-set, which means your annual maximum starts fresh and your annual deductible applies once again.

You have 60 days from the renewal date to submit claims from the prior term.

What Embrace Won't Do at Renewal

Embrace will not:

  • Increase your premium because you claimed
  • Drop or decrease your pet's coverage at a certain age

Premium Changes at Renewal

There are three main reasons for premium increases:

  • Your pet getting older
    Just as us humans tend to get sick more frequently as we age, so do our pets. Dogs and cats tend to need more frequent and costly veterinary care as they get older, and that means higher pet insurance premiums over time.
  • Increases in veterinary costs
    Adequate premium is necessary to pay veterinary bills that are now higher due to inflation and other factors. Inflation causes your premium to rise each year but, very importantly, it also means you continue to receive claim refunds on the higher vet bills you're being charged.
  • Overall trends in the pet population
    We monitor trends in the overall pet population and make adjustments to our ratings so that each pet parent pays a fair premium of the shared risk. For example, perhaps Labrador Retrievers are being treated for Hip Dysplasia more than expected. This may cause a slight increase to the amount of premium needed to safely insure all Labradors.
  • Discount changes
    Discounts may change or be removed due to state approvals.
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.