What is catastrophic pet insurance and why would I get it?

Round T ADULT Print TODAY shirt Short Neck CAN'T Loose Sleeves Letter Catastrophic pet insurance protects you from expensive bills for unforeseen, major pet health problems. This plan is for pet owners with relatively healthy pets who are concerned with catastrophic medical issues.

Examples of Major Pet Medical Bills from Our Policyholders:

How much does catastrophic pet insurance cost?

Catastrophic or major medical pet insurance from Embrace is one of the few pet insurance policies that has a high deductible (up to $1,000) and offers you up to $15,000 in coverage per year with no per-incident limits. This means that you pay a much lower monthly premium for your insurance plan.

How much lower? A $1,000 deductible lowers your premium by 54% from $500. A $500 deductible is about 33% less expensive than the same policy with a $200 deductible and 50% less expensive than with a $100 deductible.

Is major medical pet insurance right for me?

Embrace's catastrophic pet insurance is ideal for pet parents who have a small amount saved up to cover the higher deductible. By paying just a little more of the bill for vet visits and exam fees in the first place, your pet insurance can do its job more effectively when the large bills come in.

The downside to major medical pet insurance is that you won't be reimbursed until you hit your deductible each year.

For more information on coverage for your pet, get a pet insurance quote here.