Picking Your Pet Insurance Partner

Choosing the best pet insurance plan for your pet means asking the right questions. Here are the top questions to ask when comparing plans for your dog or cat.


How to Find The Best Pet Insurance

Your pets are part of the family and finding the best pet insurance plan for them is important. With so many companies out there, it can be difficult to decide which is the right one. Embrace Pet Insurance has created a guide highlighting what to consider when you’re comparing pet insurance policies.

Is coverage restricted because of breed?

Certain dog and cat breeds are prone to genetic and hereditary conditions. For example, Labrador Retrievers are susceptible to hip dysplasia. Make sure that the insurance company you choose won't restrict coverage because of your pet's breed.

Curious if your pet’s breed may be prone to certain conditions? Check out our Dog and Cat Breed Libraries.

Bonus Tip: Even mixed breed dogs and cats can suffer from genetic conditions. View our Pet Health Conditions page for additional details.

What are the waiting periods?

All pet insurance companies have waiting periods because they help prevent fraud. A waiting period is a set period of time from the purchase of the policy to when coverage begins, and this period varies from company to company.

Every company defines their waiting periods differently, but most include one for accidents and one for illnesses. Some, including Embrace, have additional waiting periods for orthopedic conditions specifically. Pick an insurer that is up front about their policy’s waiting periods and if there is a way to reduce them.

calendar icon to show waiting periods

owner holding cat

How are pre-existing conditions handled?

No pet insurance company covers pre-existing conditions, but some (including Embrace) offer coverage for curable pre-existing conditions if a pet goes symptom- and treatment-free for a certain length of time.

What about routine care?

Insurance is for the unexpected, so most pet insurance policies cover accidents and illnesses but not routine care (think vaccines, spaying/neutering, checkups, etc.). If you’re looking for a plan that covers regular office visits and routine care, check if the company offers an optional wellness plan, like Embrace’s Wellness Rewards.

Are there annual or per-incident limits?

An annual limit, like what Embrace offers, is the most a pet insurance company will reimburse you for vet bills in one policy year. Annual limits vary by company, ranging from $2,000 to unlimited.

A per-incident limit is the most a pet insurance company will reimburse you for vet bills for that particular incident. For example, the policy may say that it will only reimburse up to $5,000 for cancer in your pet’s lifetime.

dog looking left smiling

A per-incident limit tends to be more restrictive because a pet diagnosed with a chronic condition (like allergies, cancer, or diabetes) would meet the limit rather quickly and you would be expected to pay out of pocket for any care related to that condition after the limit is reached. An annual limit resets with each renewal so you can continue to be reimbursed for your pet’s care.

Dog looking right and smiling

What do customers say about the company?

Read customer reviews to help guarantee you buy the best pet insurance for you. Visit PetInsuranceReview.com to read candid customer feedback on all the major pet insurance plans in one place.

Physical Exam Requirements

Some pet insurance companies require that your pet have a physical exam 30 to 60 days before enrollment. Some also require that your pet have an annual physical exam (either a full physical or dental-specific exam) in order to keep coverage active.

Other companies, like Embrace, only require a documented physical exam in the 12 months before enrollment, or, if you have a puppy, kitten, or recently adopted pet, a visit since they entered your home. And, while we encourage you to have them seen on an annual basis, there is no annual visit requirement.

dog with vet

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.