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Breed & Health Resources

Ask Laura: should I wait until after the spay or neuter to insure my dog?


I thought I'd talk about a question we get all the time about our discounts (yay for discounts!)

Winston puppy Question: I want to sign my puppy up, but she has not been spayed or microchipped. Am I going to get the discount? When will it apply? Am I going to have to submit a lot of documents? Should I just wait to sign up until after these are done?


First of all, no, do not wait to get the insurance! Puppies are much more likely to have accidents (not just the puddle on the floor kind) or become ill than a slightly older dog - but you probably worked that out already!

If you get the insurance as soon as possible, you can avoid any uninsured conditions popping up that aren't covered.

As an aside, we recently paid out over $4,000 for a six month old Bernese Mountain Dog, Monkey, who had infectious gasterenteritis. The costs were enormous and very unexpected, making the insurance a relief at a very difficult and emotional time. It was just as well they hadn't waited for Monkey to be neutered before insuring  him. 

But back to the rest of the question.

We'll add both the spay/neuter and microchip discounts to your Embrace policy as soon as she has been spayed and/or microchipped. Simply call in (800-511-9172) or email us at and let us know the microchip number and when the spay was complete. We will update your policy with the discount as soon as you contact us and it will go into effect the next day.

The process applies for pet parents that have paid annually as well as monthly - we'll just give you some of your premium back for the remainder of the prepaid year.

Good to know?

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.

Mind if we pay your vet bills?

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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.