When customizing a pet insurance policy, it's very important to know which variables have the biggest impact on your premium and which variables have the biggest impact on your out-of-pocket expenses (premium included). Pet insurance companies allow you to customize your policy primarily by allowing you to choose among several annual maximums, deductibles or reimbursement percentages. Some companies allow you to customize only one of these variables and some companies allow you customize all 3 of these variables. I’m using Embrace pet insurance company to illustrate this. Embrace allows you to customize all 3 variables. I’m also using a claim... Read more →