Why Premiums Change
Pet’s Age – pets tend to need more frequent and costly veterinary care as they age
Location – pet parents in areas where veterinary care costs are higher can expect insurance premium increases
Trends in Pet Population – certain breeds are more prone to specific conditions and can see premium changes to properly reflect the shared risk
Base Rate – this is state-specific, and all premiums in your state increase by the same percentage based on risk assessment by our underwriters
Discounts – discounts are reviewed by your state and Embrace every year. If a discount is not approved in your state, we're no longer able to offer it, which would cause your premium to increase at renewal
When Policy Premiums Change
Policy Renewal – premiums may increase at renewal due to actuarial data collected by our underwriters based on a pool of pets of the same species, breed, location, and age
Note: Premiums never increase because you submit claims.
How You'll Be Notified
If your premium changes for any reason, you will be notified via email.
If you have questions regarding your premium contact us.