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title: What Is the Process for Wellness Back-payment? | 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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---

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[What Is the Process for Wellness Back-payment?](/help/article/what-is-the-process-for-wellness-back-payment)
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# **What Is the Process for Wellness Back-payment?**

Wellness Rewards is a non-insurance benefit that requires back-payments to add or increase the allowance mid-policy year.



## **What is a Back-payment?**

Back-payments are required when [increasing or adding Wellness Rewards](https://www.embracepetinsurance.com/help/article/how-can-i-add-or-change-wellness-rewards-through-myembrace) mid-policy term because [Wellness Rewards](https://www.embracepetinsurance.com/help/article/what-is-embrace-s-wellness-rewards) is designed to match the 12-month billing period of your accident and illness insurance payments. The back-payments catch your plan up from the beginning of your policy term to the date of Wellness Rewards addition or increase.

## How Back-payments are Calculated

If you add back Wellness Rewards mid-policy year, the amount due will be spread across the remaining term.

For example:

- Your policy year begins on 7/15/2020
- You add Wellness Rewards to your pet's policy on 11/16/2020
- 5 months of back-payments are required to catch up the Wellness Rewards plan
- The total Back-payment due will be evenly spread across the following 7 months

| **Wellness Rewards** | **Monthly Cost** | **Total Back-Payment Due** | **Back-Payment added for 7 month** |
| --- | --- | --- | --- |
| **Wellness $300** | $22.92 | $114.60 | $16.37 |
| **Wellness $500** | $39.58 | $197.90 | $28.27 |
| **Wellness $700** | $56.25 | $281.25 | $40.18 |

## When is Wellness Rewards Active After Back-payment?

If you add Wellness Rewards mid-term, the allowance is retroactive to the beginning of the current policy year.

For pets who were added mid-term, Wellness Rewards is retroactive to the date your pet was added to your policy in the current term.




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