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Best friends deserve the best pet insurance.

Get a personalized plan to fit your budget and your pet.

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circle-check-markUp to 90% Back on Bills at any Vet circle-check-markFlexible Wellness Plan circle-check-markDiminishing Deductible
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Insurance for Dogs & Puppies

From puppyhood to the senior years, pet medical insurance from Embrace will be there through it all. Protect your newest family member or loyal friend with an Embrace Pet Insurance plan.

Learn About Dog Insurance

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Insurance for Cats & Kittens

Cats are experts at creating mischief. Thankfully, Embrace has your favorite feline covered. Our comprehensive lifelong accident & illness plan provides a hassle-free claims experience.

Learn About Cat Insurance

4 Ways Embrace Stands Out from the Pet Insurance Pack

When it comes to selecting a pet health insurance company, the difference is in the details. Compare Pet Insurance 
1

Pet Insurance’s Only Diminishing Deductible

Embrace’s Healthy Pet Deductible reduces your annual deductible $50 each year you don’t receive a claim payment. Included on every pet insurance policy at no additional cost.

2

Pre-existing Conditions Evaluated Fairly

No pet insurance company covers pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions, covering curable conditions after 12 months symptom and treatment free.

3

Wellness Rewards for Routine Care

Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits.

4

Coverage for Exam Fees

Many pet insurance companies don’t cover the cost of the exam fee – that’s like having to pay an extra deductible for every claim. 

Ready to protect your pet?

Accident Illness Icon Accident & Illness
  • All illnesses & injuires
  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Read More
Wellness Reward Icon Wellness Rewards
  • Wellness exams
  • Spay/neuter surgery
  • Training
  • Grooming
  • Vaccines & preventatives
  • Read More
Total Protection Icon Total Protection For Your Pet Embraced pets can visit any vet, specialist, or emergency clinic – there are no networks. Submit your claim form and invoice by fax, e-mail, or direct upload to MyEmbrace.

Don't get stuck with the vet bill.
Let Embrace cover it.

Embrace pet health insurance policies cover unexpected genetic, hereditary, and chronic conditions that are prominent in purebred pets and that can pop up unexpectedly in mixed breeds. If a condition is diagnosed after you pet's insurance policy is in place, you'll have peace of mind knowing that condition is covered for life. Here are a few examples of vet bills you won't see coming:*

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Cat illustration chart
*Average costs based on Embrace's claims data.
How It Works
1
Take your pet to any vet.
2
Complete the claim form.
3
Get reimbursed!

Embrace Customer Stories

Embrace Customer Stories

Photo of animal
Claim

$5,409

$7,161

Maurice

Vaccine-induced Fibrosarcoma

Photo of animal
Claim

$2,839

$4,580

Marbles

Labrador Manages Pain with Alternative Therapies

Photo of animal
Claim

$3,960

$5,550

Heidi

Bernese Mountain Dog Tears Cruciate Ligament

Photo of animal
Claim

$1,166

$1,658

Lyla

Puppy Suffers from Grape Intoxication

Maurice
Vaccine-induced Fibrosarcoma
Vet bill: $7,161
Embrace Paid $5,409
Marbles
Labrador Manages Pain with Alternative Therapies
Vet bill: $4,580
Embrace Paid $2,839
Heidi
Bernese Mountain Dog Tears Cruciate Ligament
Vet bill: $5,550
Embrace Paid $3,960
Lyla
Puppy Suffers from Grape Intoxication
Vet bill: $1,658
Embrace Paid $1,166

5 Stars

“I have been so thankful I enrolled my dog in a policy with Embrace. Embrace was quick to process and pay my claim, easing the burden after many veterinary bills. Thank you!!!”

Leigh S.
Parent to Red
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Rated over 9/10 at PetInsuranceReview.com

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A+ Rating from Better Business Bureau

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Over $47 Million in Claims Paid in 2018

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$2 Per Policy Donated to Pet Charities

Copyright 2005-2019

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.