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Getting an Affordable Pet Insurance Policy

By Kara Bednarik

Affordable Pet Insurance

There is no “one-size-fits-all” policy when it comes to pet insurance. That’s why most companies let you personalize a plan to make it fit your needs and budget. What factors come into play with personalization?


This is what you are responsible for paying before pet insurance will reimburse you. Increasing your deductible will bring down the price of your policy. Pick a deductible that fits your budget by asking yourself what you are comfortable paying before you would need to be paid back.

Bonus Tip: Check to see if the policy has a per-incident deductible or an annual deductible. Some companies make you pay a deductible for each incident. That means that if in one year your cat gets an ear infection and then later needs surgery to remove a toy she ingested, you’ll have to pay the deductible twice.

Annual Maximum

This is the most your pet insurance policy will reimburse you in a policy year. Decreasing your annual maximum will reduce the cost of your policy.

It’s important to keep your pet in mind when you decide on this. If you pick a $10,000 annual maximum for a Domestic Shorthair cat, you might be overpaying for your insurance plan. But you may want to consider a $15,000 if you have a large purebred dog who may be prone to hereditary conditions.

Bonus Tip: Keep an eye out for “per-incident maximums.” Some companies have limits per injury or illness. For example, they may say that they will only reimburse up to $5,000 for cancer in your pet’s lifetime, but cancer treatments over several years can easily top $10,000.

Reimbursement Percentage

This is the percent of the bill that will be reimbursed to you after your deductible is met. A lower reimbursement percentage will lower your premium. Some companies only offer one reimbursement percentage option, not allowing you to adjust your premium based on this feature.


Some pet insurance companies have riders for things like hereditary and genetic conditions, or even cancer. This means that you have to specifically ask for these things to be covered, otherwise they’re not included. And adding these things increases the monthly or annual cost.

With Embrace, there are no riders. We offer the same comprehensive coverage on every accident and illness policy. Get your free quote today.

While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.

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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. © 2016 American Modern Insurance Group, Inc.