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Pet Insurance 101


Pet Insurance

“Pet insurance?! What’s that?”

If that is your response to the title of this post, fear not, you’re not alone! However, we hope you’ll read on to learn how pet insurance can benefit you and your pets!

What is pet insurance?

Every year more than 1 in 3 pets falls ill or is injured. Pet insurance is health insurance to help you pay for your pet’s care in the event of a costly accident or illness. With pet insurance, you never have to choose between an expensive treatment and your pet’s life. 

What does pet insurance cover?

There are lots of pet insurance plans available but they aren’t all the same. There are differences in what they cover, what they exclude, what they cost, their level of customer service, and how they pay claims. In other words, don’t just pick a plan because it’s the cheapest!

Pet insurance plans can cover:

  • Treatment for accidents, illnesses, and diseases
  • Treatment for allergies
  • Cancer and chemotherapy
  • Surgery, hospitalization and nursing care
  • Laboratory and diagnostic tests including X-rays and MRI scans
  • Medications

Some pet insurance plans, including Embrace, also cover:

  • Treatment for genetic conditions
  • Alternative therapies such as acupuncture, hydrotherapy, holistic and homeopathic veterinary medicine
  • Chronic and recurring conditions that last more than one policy period, such as allergies, diabetes and hyperthyroidism

What doesn’t pet insurance cover?

Pet insurance plans usually will not pay for:

  • Pre-existing conditions – conditions that your pet had, was diagnosed with, or showed symptoms of before enrolling or during the waiting period
  • Cosmetic, elective or preventative procedures such as de-worming, tail docking, ear cropping, and declawing (except where medically necessary)
  • Veterinary fees related to pregnancy, breeding, or whelping
  • Orthodontic or endodontic procedures such as root canals or crowns
  • Prescription diet food

So, how much does it cost?

The cost of pet insurance varies based on a few factors – the pet’s species, breed, age, sex, and location. On average you can expect to pay around $30-50 per month for dogs and $15-25 per month for cats. Adding on a wellness plan typically costs a little more. You shouldn’t compare pet insurance plans based on price alone. In general, plans that cost more also cover more and reimburse you more when you claim.

Pet Insurance companies also may offer discounts for things like:

  • Enrolling multiple pets
  • Paying annually for your policy instead of monthly
  • Being full-time in the military
  • Paying with your checking account
  • Enrolling a service pet (like a guide dog for the sight impaired)
  • Enrolling through your company or veterinarian with a discount code

Finally, the most important thing you want to remember is that pet insurance is the one thing you can’t get when you need it the most. Planning ahead and doing your homework on pet insurance now are essential to getting the best, most comprehensive coverage for your pet before something happens. 

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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Copyright 2005-2019

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.