---
title: Why Did My Premium Change? | 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: 2025-10-02T19:06:16.000Z
sources:
  html: https://www.embracepetinsurance.com/help/article/why-did-my-premium-change
  md: https://www.embracepetinsurance.com/help/article/why-did-my-premium-change.md
---

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[Why Did My Premium Change?](/help/article/why-did-my-premium-change)
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# **Why Did My Premium Change?**

Learn how you can reduce your monthly premium payment, what’s factored into determining premium cost, and other helpful information.



## **Why Did My Premium Change at Renewal?**

- **Base Rate** – Each state has a minimum rate each carrier must charge. All premiums in your state increase by the same percentage based on a risk assessment done by our underwriter. Veterinary inflation is also accounted for in the base rate.

  - *All rates are filed and approved by each state’s department of insurance as required*
- **Discounts** – Discounts are reviewed by each state and Embrace every year. If a discount is not approved in your state or is no longer offered, it is removed at renewal causing the premium to increase.
- **Pet’s Age** – Like humans, pets tend to need more frequent and costly veterinary care as they age, so a premium increase reflects this.
- **Trends in Pet Population** – certain breeds are more prone to specific costly conditions over time. Premium changes reflect the shared risk.

## **Why Did My Premium Change During My Policy Term?**

Premiums may change during your policy term due:

- <a href="https://www.embracepetinsurance.com/help/article/how-do-i-update-my-address-in-the-system">**When you change your address***</a>
- <a href="https://www.embracepetinsurance.com/help/article/how-can-i-add-or-remove-a-pet-via-myembrace">**When you add or remove pets**</a>
- <a href="https://www.embracepetinsurance.com/help/article/how-do-i-change-my-pet-s-coverage">**When you make updates to your coverage**</a>
** Your geographic location may affect the premium you will pay. The cost of living associated with your area is reflected in your premium and is a way to ensure payments are fairly determined for each member.*

## **How Will I Be Notified If My Premium Changes?**

You will receive an email with your renewal premium a few weeks prior to the policy renewal date. If your premium changes for any reason, you will be notified via email.

## **How Can I Offset My Premium Changes?**

You can reduce your premium at any time by:

- Increasing your **deductible**

  - This is the amount you have to pay before insurance reimbursement kicks in
- Reducing your **annual maximum**

  - This is the maximum amount of money you could be reimbursed in your policy year
- Reducing your reimbursement percentage by selecting “Change Coverage” in your <a href="https://my.embracepetinsurance.com/">**MyEmbrace account**</a>

  - Changing your coverage options will reduce the amount you pay each month in premium dollars.
- Removing exam fee and/or prescription coverage from your policy

  - **This option is not available in all states.** We urge you to consider this option carefully as exam fees and prescription costs can add up and once removed, these coverages **cannot** be added back onto your policy without a full rewrite of your policy and new waiting periods.



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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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