Is SWBC Pet Insurance Good? Here's How It Stacks Up

by Kari Steere, Licensed Insurance Agent
Pawlicy Advisor
Pet Insurance Blog
SWBC Pet Insurance Review
Is SWBC Pet Insurance the best option for you and your pet? Learn everything you need to know about the company’s plans, prices, discounts, waiting periods, and more to see how it compares to other pet insurance providers.

Health insurance is important for you and your family members, and your pet should be no exception. SWBC offers pet insurance through its partner Embrace to help pet parents cover veterinary expenses and make sure that their four-legged friend always gets the best care.

Table of Contents

Does SWBC offer pet insurance?

SWBC pet insurance is just one part of an international financial services company founded in 1976. The company provides various products and services in all 50 states, including insurance.

SWBC administers their pet insurance policies through their partner, Embrace Pet Insurance.

SWBC Pet Insurance review

Unique features

Our research shows that as far as unique features go, SWBC doesn’t seem to have any that stand out drastically compared to other pet insurers.

Available plans

SWBC offers an Accident & Illness Policy and an Accident-Only Policy, which are administered by Embrace.

  • The Accident & Illness Policy is quite comprehensive and covers chronic diseases, genetic, hereditary, and breed-specific conditions, surgery, cancer treatment, accidents, and more. Pet owners can choose from three reimbursement amounts, five deductibles, and five different limits.

  • The Accident-Only Policy, on the other hand, offers a single choice of $100 annual deductible, $5000 limit, and 90% reimbursement.

Embrace also has an optional add-on Wellness Program that covers things like vaccinations, spaying/neutering, grooming, and microchipping. This program reimburses up to $650 per year in routine and preventative care services.

Similar to other pet insurance companies, SWBC doesn’t offer pet insurance for pre-existing conditions. However, if your cat or dog has a curable condition and has been symptom-free for at least 12 months, the company might cover the condition in the future.

Pricing and discounts

On average, the monthly price to insure your feline pet through Embrace ranges between $15 and $25, whereas the average monthly cost to insure a dog starts at $25, going up to $50.

The insurer also offers a 5% discount for military members, 10% for buying through voluntary employee benefits, and 10% for insuring multiple pets.

Is SWBC Pet Insurance worth it?

For many people, pet insurance is worth purchasing and choosing SWBC as your provider might be beneficial if you already have another type of insurance of policy with the company (such as personal or business insurance). In that case, you might be eligible for an extra discount.

If you aren’t certain that SWBC is the best choice for you, consider checking our pet insurance blog or use our pet insurance comparison charts to search and compare other pet insurance companies.

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

About the author

Kari Steere, Licensed Insurance Agent

Customer Support - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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