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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 

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.


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.


Wellness Rewards for Routine Care

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


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 rewards 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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*Average costs based on Embrace's claims data.
How It Works
Take your pet to any vet.
Complete the claim form.
Get reimbursed!

Embrace Customer Stories

Homepage Customer Stories

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Puppy Suffers from Grape Intoxication

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Bernese Mountain Dog Tears Cruciate Ligament

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Cat Recovers from Car Accident

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Labrador Manages Pain with Alternative Therapies

Puppy Suffers from Grape Intoxication
Vet bill: $1,658
Embrace Paid $1,166
Bernese Mountain Dog Tears Cruciate Ligament
Vet bill: $5,550
Embrace Paid $3,960
Cat Recovers from Car Accident
Vet bill: $12,169
Embrace Paid $10,000
Labrador Manages Pain with Alternative Therapies
Vet bill: $4,580
Embrace Paid $2,839

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

5 stars

“Embrace is a very responsive and settle claims quickly with a check in the mail faster than I ever expected. And their customer service people are a wonderful asset. We are glad to be a customer.

Bill R.
Pet Parent to RoxC

5 stars

“Their customer service has been excellent. Their response time to claims is quick and the refund checks arrive promptly. The fact that they do not have a fee schedule is a great benefit as it lets you use any vet, even if you are travelling.”

Michael F.
Pet Parent to Miss Maggie Magee

5 stars

Really affordable rates and great coverage. Gives us the peace of mind we need. They send out reimbursement checks really quickly and make submitting claims easy. ”

Daynia M.
Pet Parent to Hank

5 stars

“I recommend Embrace to all pet parents. They really showed their true colors when my dog needed surgery that would cost over $3,000. No haggling. They sent the check within a week of submitting receipts. That earned my business for life.”

Cristina V.
Pet Parent to Serenity
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Rated over 9/10 at Pet Insurance Review

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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

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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.