In 2022, our pet insurance through Embrace Pet Insurance was going to go up a lot. I don’t remember the exact percentage, but it was enough to shock me after several years of steady increases in monthly premiums. Our 3 pet insurance policies through them for Clover, Tori, and Mr. Stix renew again in September 2023. No surprise, I suppose. The cost is going up another 24%. To cut back last year, I doubled our annual deductible from $500 to $1,000, and I lowered our reimbursement rate from 80% to 70%. And, a year later, we’re kind of back where we were. I always ask myself if it’s worth the cost. Let’s look at the numbers, including how much the pet insurance market grew in the last year. Funny (not funny) how the % of industry growth nearly matched the % of increase in our premium costs.