Cat looking at camera

Cat Insurance From Embrace

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What Embrace’s Cat Insurance Plan Includes

Embrace offers one comprehensive policy with fair and honest coverage. Cover your cat from nose to tail for every unexpected accident and illness. Our cat health insurance covers breed-specific, congenital, and chronic conditions, and all associated costs including:

  • Exam & Consultation Fees
  • Cancer Treatments
  • Diagnostic Testing
  • ER & Specialist Care
  • Surgery & Hospitalization
  • Alternative Therapies & Rehabilitation
  • Dental Illness up to $1,000/year 
  • Prescription Medications 

What’s Not Covered

No pet insurance company covers pre-existing conditions. Unlike our competitors, Embrace’s cat insurance plan distinguishes between curable and incurable pre-existing conditions to help you get the most coverage possible. Worried about pre-existing conditions? Request a medical history review.

Other exclusions include cosmetic procedures (including declawing), DNA testing, breeding, and pregnancy. Routine and preventative care is not covered under the accident and illness insurance, but learn more about Embrace’s Wellness Rewards plan below.

Owner holding cat

Embrace Leads the Pet Insurance Pack

When you’re shopping for cat health insurance, make sure that the plan you pick doesn’t leave you with gaps in coverage. See how Embrace’s cat insurance compares to the rest of the pet insurance pack.

User-friendly Mobile App
From checking remaining coverage to submitting claims, the Embrace Pet Insurance mobile app for Android and iOS lets you manage your policy anytime, anywhere.

Exam Fees
Visiting the vet almost always includes an exam fee, sometimes costing $100 or more. Accident and illness exam fee coverage is included on every policy at no additional cost.

Behavioral Therapies
New smells or a moved litter box are enough to cause your cat to misbehave. Embrace covers behavioral therapies to give you options for marking, inappropriate scratching, and other issues.

No Lifetime Cap
Embrace doesn’t have lifetime limits. That means we won’t stop covering your pet after a certain dollar amount. Your only limit is your selected annual maximum.

Dental Coverage
Despite feeding your cat hard kibble, their teeth still need attention. Embrace covers all dental accidents, and even dental illness up to $1,000 per year.

Flexible Pet Wellness Plan
Pet insurance is for unexpected vet bills. Embrace offers Wellness Rewards to help you budget for your cat’s annual exam, prescription diet foods, dental cleanings, and much more.

Wellness Rewards for Routine Care

Our accident and illness insurance covers your cat’s unexpected vet bills. For everything else, there’s Wellness Rewards, Embrace’s flexible routine care plan that reimburses for everyday veterinary, training, and grooming costs.

For a full pet wellness plan breakdown, visit our Wellness Rewards page.

Your full Wellness Rewards allowance is available the day you sign up and reimburses for:

Wellness Exam-icon    Wellness Exams
Spay-icon  Spay/Neuter Surgery
Grooming-icon  Grooming & Nail Trims
tooth-icon    Teeth Cleaning
nutritional-icon    Nutritional Supplements
flea-icon    Flea, Tick, & Heartworm Preventatives
money-icon   $2 Donation for Every Policy
money-back-icon   30-day Money-back Guarantee
90%-icon   Up to 90% Back

Pet Health Insurance for Cats of All Ages

Whether you just brought home a little furball or rescued an older cat, Embrace Pet Insurance has you covered.

Kitten image

Pet Insurance for Kittens

Our accident and illness insurance covers kittens as young as six weeks old to give you peace of mind that your crazy kitten’s antics won’t break the bank.

adult cat

Pet Insurance for Adult Cats

Just because your adult cat spends most of their time lounging doesn’t mean they’re immune to getting hurt or sick. All cats are capable of finding mischief.

senior cat

Pet Insurance for Senior Cats

You can insure your senior cat in Embrace’s accident and illness insurance up to their 15th birthday. After cats turn 15, they’re eligible for an accident-only plan at enrollment.

How Your Cat Insurance Plan is Built

There are certain factors that determine the cost of a pet health insurance plan that you can’t change. But Embrace allows you to customize other elements to build the best pet insurance policy for you and your cat.

Part of the payment is based on breed. Since certain cat breeds are prone to different genetic conditions, the premium reflects that.

Aging cats are more susceptible to injuries and illnesses, like diabetes and kidney-related issues, making them more expensive to insure.

Because veterinary rates vary based on location, that’s something that pet insurance companies consider when determining your payment.

Annual Deductible

There are several annual deductible options for you to pick from. The higher the deductible you choose, the lower your pet insurance payment will be.


Embrace reimburses based on a direct percentage of the vet bill. The lower your reimbursement percentage, the lower your premium payment.

Annual Maximum

Select the annual maximum that best suits your cat’s needs. Your cat’s energy level and whether they have access to the outdoors is something to consider here.

Policy Perks & Discounts


You can personalize your cat’s accident and illness insurance policy to fit any budget you’re working with, but it never hurts to have an extra discount or two. Our discounts include:

10% Multi-pet Discount*   |   5% Military Discount*

*Discounts are subject to state regulations and may vary by state.
Visit our Discounts page for details.

Healthy Pet Deductible

Embrace offers the best diminishing deductible feature in the industry. For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.

diminishing deductible-icon

Submitting Claims is Easy

It’s stressful when your cat is sick or hurt, which is why Embrace’s claim submission process is simple. Claims for accidents and illnesses are eligible for coverage once your cat is out of the waiting periods, and claims for Wellness Rewards can be sent in from the first day of your policy.


Visit Any Vet

Your regular vet, emergency hospital, specialist, rehabilitation center – you name it. Embrace will cover your cat's unexpected vet bills from any licensed veterinarian in the US.


Submit Your Claim

We’ll need a copy of your personalized claim form and an invoice – that’s it. Claims can be sent through MyEmbrace, the Embrace Pet Insurance mobile app, email, fax, or mail.


Get Reimbursed!

You can check the status of your claim online anytime, anywhere. Once approved, we’ll reimburse you by check or direct deposit.

Sugar the cat

Young Cat Hospitalized for Infection
Domestic Longhair Cat
Vet Bills: $11,289 | Embrace Reimbursed: $8,328

Sugar wasn’t even a year old when she started getting sick, and her veterinarian didn’t think she would recover. But her mom didn’t give up even when the vet bills soared.

“We wouldn’t actually have been able to save Sugar if we didn’t have insurance.” -Christine G., Sugar’s Pet Parent
Mind if we pay your vet bills?

Connect with Us

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.