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title: How Can I Personalize My Policy Through Embrace to Best Fit My Needs? | Embrace Pet Insurance Help Center
description: Embrace offers personalized, affordable pet insurance for dogs & cats with up to 90% back at any vet. Add a wellness plan for total protection. Get a free quote for your pet's customized policy.
lastUpdated: 2025-10-02T19:06:14.000Z
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  md: https://www.embracepetinsurance.com/help/article/how-can-i-personalize-my-policy-through-embrace-to-best-fit-my-needs.md
---

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# **How Can I Personalize My Policy Through Embrace to Best Fit My Needs?**

Learn how you can personalize your policy to best fit your best bud and your budget.



## Annual Deductible

An annual deductible is the amount you pay out of pocket for covered treatments per year before your insurance begins to reimburse you. There is one annual deductible per pet.

Unlike per-incident or per-illness deductibles, it doesn’t matter how many times your pet goes to the vet for an injury or illness each policy year, you only have to meet the deductible once per term.

## Annual Maximum

The annual maximum is the most we will reimburse you per pet each policy year. The annual maximum does not include the deductible and copay amounts you pay.

## Reimbursement Percentage

This is the percentage of the covered allowable charge that Embrace is responsible per pet. The reimbursement percentage is what you’ll get back from your eligible claim after your deductible is met.

## Choosing Your Policy Parameters

You can personalize your policy parameters to meet the needs of your budget and your pet’s needs by [increasing or decreasing coverage](https://www.embracepetinsurance.com/help/article/how-do-i-change-my-pet-s-coverage).

Our rule of thumb is to pick the highest coverage that you can comfortably afford when you sign up. You can reduce coverage if needed, but increasing coverage resets your pet’s waiting periods and new pre-existing conditions can be noted.

## Increasing Vs Decreasing Coverage

### Decreasing Coverage

Decreasing coverage lowers your premium and will not impact your coverage.
Examples of decreasing coverage:

- Increasing your annual deductible. For example, from $300 to $500
- Decreasing your annual maximum. For example, from $10,000 to $8,000
- Decreasing your reimbursement rate. For example, from 90% to 80%

### **Increasing Coverage**

When increasing coverage, your pet will be subject to re-underwriting, including [waiting periods](https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have). This means that any illnesses/conditions that occurred prior to the upgrade date, even if you haven't seen a vet yet, could be considered [pre-existing](https://www.embracepetinsurance.com/help/article/what-are-pre-existing-conditions-and-does-embrace-cover-them) and will not be covered moving forward.
Examples of increasing coverage:

- Decreasing your annual deductible. For example, from $500 to $300
- Increasing your annual maximum. For example, from $10,000 to $15,000
- Increasing your reimbursement rate. For example, from 70% to 90%



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## Still Have Questions?

Get in touch with our Insurance and Claims Experts

##### Customer Care

Monday - Friday: 9 am - 8pm ET

Saturday: 10 am - 2pm ET

Phone: (855) 540-2104*

Fax: (800) 238-1042

##### Policy Quotes & Purchase

Monday - Friday: 9 am - 8 pm ET

Saturday: 10 am - 4 pm ET

Phone: (855) 540-0591



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