Get top-rated & reviewed coverage for your pet today.

Embraced Dog Hank

The Best Pet Insurance Is Designed by Real Pet Parents

From the tumbleweeds of fur to late-night emergency vet visits, we’ve been there, and we’ll be there for you.

Hank - Embraced since 2018
circle-check-markDiminishing Deductible circle-check-markUp to 90% Back circle-check-markCoverage for Exam Fees

The Difference Is in the Details

You go above and beyond for your pet, so we designed our coverage to do the same – in sickness and in health.

accident illness icon

Insurance Coverage:
Accident & Illness

No networks, so you can visit any vet. Our nose-to-tail insurance covers:
  • All Illnesses & Injuires
  • Hospitalization & Surgery
  • Emergency & Specialty Care
  • Breed-specific & Hereditary Conditions in Purebred Pets
  • Congenital Conditions
  • Chronic Conditions
  • Cancer Treatment
  • Behavioral Therapy
  • Diagnostic Testing
  • Prescription Drugs
  • Alternative Therapies*
    & Rehabilitation
*See policy terms and conditions for more.

wellness rewards icon

Add-on Routine Care Plan:
Optional Wellness Rewards

Plus, our optional Wellness Rewards plan includes:

  • Wellness Exams
  • Spay or Neuter Surgery
  • Training
  • Grooming
  • Vaccines & Preventatives
  • & a lot more!

See Wellness Options

dog insurance image

Insurance for Dogs and Puppies

From playful pups to hounds who’ve been around the block, dogs of all ages know how to test the limits of trouble. Presenting top-dog coverage that gives your favorite furball plenty of leash to play.

Learn More About Dog Insurance

cat insurance image

Insurance for Cats and Kittens

Got a master of mischief? Good news: We’re well-versed in both hairballs and harebrained schemes. With our comprehensive lifelong accident & illness plans, consider their curiosity covered – furever.

Learn More About Cat Insurance

Why We Lead the Pet Insurance Pack

See how Embrace compares to the competition with our side-by-side analysis.

PawSupport Icon

PawSupport –
Our 24/7 Pet Health Line

Our exclusive pet health line provides real-time guidance on everything from emergency care to diet and exercise. Just another way we’re there for you.

Diminishing Deductible icon

Pet Insurance’s Best
Diminishing Deductible

Wave goodbye to your deductible because each year you don't receive a claim payment, we decrease it by $50.

pre-existing conditions icons

Fair Evaluation of
Pre-existing Conditions

While no pet insurance covers pre-existing conditions, we distinguish between curable and incurable, covering curable ones after your pet is symptom-free for 12 months.

Ready to protect your pet?

MyEmbrace: Your Policy at Your Fingertips

Access your claims information, policy details, and our pet health line PawSupport anytime, anywhere.

  • Submit & Track Claims
  • Review & Change Coverage
  • Contact Our Customer Care Team

MyEmbrace phone app

jensen puppy photo

Jensen’s Routine Surgery, Not So Routine
Rottweiler Puppy
Vet Bills: $9,781 | Embrace Reimbursed: $7,225 

Extremely sick after his routine neuter and gastropexy, Jensen unexpectedly needed emergency care over several months, causing his vet bills to balloon.

“Without Embrace, Jensen wouldn’t be here today. We wouldn’t have been able to do everything that he needed. I just can’t imagine our lives without him. He’s the best.“

— Lauren, Jensen’s Pet Parent

Pet Insurance Reviews

Rated over 9/10 at

Customer Service Award

Award Winning
Customer Service


Covered 93%
of Claims in 2019

We Give Back Every Day

From volunteering in pet shelters to the EmbraceCLE Community Challenge, we’re all about doing good & fostering warm fuzzy feelings throughout the pet community and beyond.

  • $2 from Every Policy Is Donated to Charity
  • We Match All Employee Charitable Donations
  • $50,000+ Donated Last Year

Giving Back image

Mind if we pay your vet bills?

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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.