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Why Did My Premium Change at Renewal?

• Base Rate – Each state has a minimum rate each carrier must charge. All premiums in your state increase by the same percentage based on a risk assessment done by our underwriter. Veterinary inflation is also accounted for in the base rate.

  • All rates are filed and approved by each state’s department of insurance as required

• Discounts – Discounts are reviewed by each state and Embrace every year. If a discount is not approved in your state or is no longer offered, it is removed at renewal causing the premium to increase.

• Pet’s Age – Like humans, pets tend to need more frequent and costly veterinary care as they age, so a premium increase reflects this.

• Trends in Pet Population – certain breeds are more prone to specific costly conditions over time. Premium changes reflect the shared risk.

Why Did My Premium Change During My Policy Term?

Premiums may change during your policy term due:

• When you change your address*

• When you add or remove pets

• When you make updates to your coverage

* Your geographic location may affect the premium you will pay. The cost of living associated with your area is reflected in your premium and is a way to ensure payments are fairly determined for each member.