5 Common Pet Insurance Questions Asked by Veterinarians


Pets are now, more than ever, being considered members of the family. With that mindset, more and more people are looking to pet insurance to protect their pet in the event of a costly accident or injury. But we’ll admit, shopping around for pet insurance can be a confusing process and you want to be prepared when your clients come in with questions regarding what coverage might be best for them. So we’ve done some of the work for you, by compiling a list of the most common questions we get from veterinarians about pet insurance. The below questions were compiled by our Territory Outreach Representatives, pet insurance experts who have years of experience working with veterinary hospitals.

Q: How much does pet insurance cost?

A: The cost of a pet insurance policy depends on several factors; zip code, breed, and age among them. While it’s not true in every situation, a higher-priced policy generally has better coverage. With Embrace, the average monthly price to insure a cat is $15-$25 and the average monthly cost to insure a dog ranges from $25-$50. Every Embrace accident and illness policy comes with the same nose-to-tail coverage that clients can personalize to fit their budget and needs by adjusting the annual deductible, annual maximum, and reimbursement percentage. Learn more about Embrace’s personalized policies here.

Q: Do you cover alternative therapies?

A: Alternative therapy coverage comes standard on all of Embrace’s pet insurance policies. We also reimburse for routine or preventative alternative therapy expenses via our Wellness Rewards program. This includes chiropractic, acupuncture, therapeutic laser treatment, hydrotherapy, and physiotherapy.  Learn more about our alternative therapies coverage here.

Q: Do premiums go up every year?

A: Not necessarily. There are several factors that can affect premiums, including:

- The pet getting older

- Increasing veterinary costs

- Changes in overall trends in the pet population

These changes are communicated to your clients via their policy renewal email.

Q: Do you cover pre-existing conditions?

A: No pet insurance company covers pre-existing conditions, but Embrace handles them a little differently. We distinguish between curable and incurable conditions, allowing us to provide your pet with as much coverage as possible.

Q: How do I get started with pet insurance at my practice?

A: Contact one of our Territory Outreach Representatives today to schedule a webinar or in-person presentation about how to discuss Embrace Pet Insurance with your clients. Reach us by phone at 800-340-3058 or via e-mail at webinar@embracepetinsurance.com.

Download our “Introducing Pet Insurance to Clients” guide for helpful tips to get started at your practice and learn more about the benefits of offering Embrace Pet Insurance here.

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.