Best Friends Deserve the Best Pet Insurance

  • 10% Multi-pet discount

  • Visit any licensed vet

  • Faster claims using AI

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Playful white dog mid-jump with mouth open, reaching for a vibrant green and blue ball, showcasing the active lifestyle and happiness that pet insurance and well-designed pet insurance plans help maintain through comprehensive coverage and easy-to-obtain pet insurance quotes.
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Pet Insurance For Any Situation

Unexpected vet bills can be stressful, but with Embrace cat insurance and dog insurance you don’t have to choose between your pet and your savings. Over 90% of Embrace customers surveyed agreed that pet insurance extended their pet's life.

Embrace Pet Insurance has you covered for:

  • checkmark icon used as a list bulletSkin conditions
  • checkmark icon used as a list bulletArthritis
  • checkmark icon used as a list bulletCushing's disease
  • checkmark icon used as a list bulletLimping
  • checkmark icon used as a list bulletAsthma
  • checkmark icon used as a list bulletLymphoma
  • checkmark icon used as a list bulletGastrointestinal issues
  • checkmark icon used as a list bulletAnxiety
  • checkmark icon used as a list bulletHyperthyroidism
  • checkmark icon used as a list bulletLigament tears
  • checkmark icon used as a list bulletSkin conditions
  • checkmark icon used as a list bulletDiabetes
  • checkmark icon used as a list bulletEar infections
  • checkmark icon used as a list bulletSeizures
  • checkmark icon used as a list bulletKidney failure
  • checkmark icon used as a list bulletSkin growths
  • checkmark icon used as a list bulletUrinary tract infections
  • checkmark icon used as a list bulletInflammatory bowel
See Coverage Details
Illnesses & Conditions

From chronic skin conditions to serious illnesses like cancer, get money back for the treatments your pet needs the most.

Accidents & Injuries

Financial protection from unexpected incidents like broken bones, swallowed objects, poisoning, and more.

Dental Disease

Coverage for unexpected dental work, including tooth extractions, gingivitis care, and more.

Wellness Rewards for Routine Care

Wellness Rewards* is an optional add-on, but without it, you may be paying out of pocket for costly routine care and annual checkups. This plan helps you budget for things like vaccines, preventative medications, grooming, training and more. Additional member benefits include:

Special discounts

Take advantage of member-only deals from your favorite pet care brands.

$25 bonus

Wellness Rewards members get an extra $25 to use on included or eligible preventative care services.

Quarterly pet health eNewsletter

Get curated pet wellness tips delivered to your inbox.

Learn more about Wellness Rewards

Over 18 Years of Pet Insurance Expertise

We’re dedicated to pet health and providing peace of mind to pet parents with easy-to-understand insurance plans, lightning-fast claims, 24/7 telehealth support, and Wellness Rewards for routine care. It’s why the families of more than 500,000 pets have come to know and trust Embrace.

Getting Paid Back is as Easy as 1, 2, 3

  1. Go to the vet

    With no network restrictions, you can choose from any veterinarian, including emergency and specialist vet clinics.

  2. Submit a claim online

    Take a picture of your invoice and submit using the Embrace website or app. No claim form or paperwork needed.

  3. Get money back fast

    Use direct deposit and get paid right to your account when your claim is approved.

Get Started with Embrace

Pet Insurance Frequently Asked Questions

What is pet insurance?

Pet insurance reimburses you for a portion of covered vet bills if your dog or cat were to unexpectedly get hurt or sick so that you can afford to get your pet the best care in the event of a costly accident or illness. Think of pet insurance like car insurance – it’s there to give you a financial safety net if something unexpected were to happen. Just like your car insurance doesn’t cover routine maintenance or any accidents you got into before purchasing the policy, pet insurance plans typically don’t cover routine care costs and pre-existing conditions. Learn more about pet insurance works.

How much is pet insurance?

The cost of pet insurance prices can vary widely depending on the type of pet you have, their age, their breed, and even where you live. At Embrace, we allow you to personalize parts of your policy so that you can get the best plan for your pet’s needs and your budget. Learn more about our pricing options.

What is a pre-existing condition?

A pre-existing condition is any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the veterinarian for it.

Which pet insurance covers pre-existing conditions?

No pet insurance company covers pre-existing conditions.

However, Embrace does distinguish between curable and incurable pre-existing conditions. Examples of incurable pre-existing conditions include diabetes, allergies, etc. Curable pre-existing conditions include things like ear infections and undiagnosed vomiting or diarrhea. As these issues can be completely cleared up, they could be covered moving forward if the pet goes 12 months symptom free.

We define what conditions are pre-existing for your pet by requesting their medical records for the 12 months (or less, if they are a new addition) prior to the purchase of the policy. If you’d like, you can request that we do a Medical History Review, which involves one of our claims adjusters reviewing your pet’s medical records to let you know what – if any – conditions would be considered pre-existing. It’s important to note that we don’t automatically do these medical history reviews, you must request one. However, they are free of charge and available to anyone who has a policy.

Is pet insurance worth it?

Financial challenges happen, and that's the very reason pet insurance is worth it if you can find a way to fit the premiums into your budget. It's easier to find a small amount each month than thousands of dollars at once in an emergency. If you’re the type of person who would do anything to save your pet, it’s better to pay a small premium for even a basic policy to help get your pet the care they need.

Do all veterinarians take pet insurance?

Unlike human health insurance, pet insurance has no networks. Because it works based on a reimbursement method, you pay the vet directly, submit your claim, and we pay you back — you can visit any veterinarian, specialist, or emergency hospital you like.

Does pet insurance cover vaccines?

Vaccines are preventative and not covered by insurance. However, it can be reimbursed through our optional wellness plan that can be added onto your policy.

Does pet insurance cover spaying and neutering?

Spay/neuter surgery is preventative and not covered by insurance. However, it can be reimbursed through our optional wellness plan that can be added onto your policy.