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Cat Insurance From Embrace

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Accidents & Illnesses

Cats become more prone to expensive accidents and illnesses as they age. Protect your cat now with an Embrace pet insurance plan and never worry about how a costly veterinary procedure will affect your wallet.

Your cat insurance plan will protect against the expensive vet bills associated with diabetes, cancer, ER visits, hyperthyroidism, and a lot more.

Accident & Illness Coverage

Wellness Rewards (Optional)

All cats require regular yearly veterinary visits and routine care. Wellness Rewards† helps you budget and pay for regular veterinary costs for your cat. We offer a $250, $450, or $650 annual allowance.

You can use it for check-ups, rabies vaccinations, microchipping, spay/neuter surgery, and other items not covered by insurance.

Wellness Rewards Details

Get Up to 90% Back

Getting personalized cat insurance means providing your cat with the best care available. Trust that their well-being is in the best hands, from picking plan details to your first claim, let us show you how.

You'll enjoy dependable claims payments that you can take to the bank – literally. Don't take our word for it. Our policyholders say it best.

Pet Insurance Claim Stories

Embraced cats can visit any vet. Our pet insurance coverage for cats includes:

  • All illnesses & injuries
  • Vet-exam fees
  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Diagnostic testing & imaging
  • ER & specialist care
  • Surgery, hospitalization, & nursing care
  • Alternative therapies & rehabilitation
  • Prescription drugs (Optional in some states.)
  • Behavioral therapy
  • Prosthetic limbs, devices, & mobility aids
  • Dental illness up to $1,000/year 
Learn More

Cat Insurance: Frequently Asked Questions

Is my cat covered for life?

Yes. We will never drop your cat's insurance or reduce their health coverage based on age, health status, or claims you’ve filed. If you have a kitten, make sure that you’re protected against any unplanned vet visits with pet insurance for kittens.

Are vet exam fees covered?

Yes, but many pet insurance companies do not cover your vet’s exam fee. When a pet insurance company doesn’t cover the exam fee, it’s almost like paying an extra deductible on every claim you file.

How much coverage do I need?

Only you can decide how much insurance coverage your cat will need. We typically recommend getting the highest coverage that you can comfortably afford.

See More Answers

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Feline Health Insurance Claim Stories

Photo of animal
Illness

$5,779

$8,374

Todd

Cat Struggles with Multiple Health Problems

Photo of animal
Accident

$10,000

$12,169

Squiggly

Cat Recovers from Car Accident

Photo of animal
Cancer

$1,089

$1,659

Peter

Lymphoma in a Mixed Breed Cat

Photo of animal
Wellness Rewards

$400

$702

Izza Bell

Spay & Routine Care for Kitten

Todd
Cat Struggles with Multiple Health Problems
Vet bill: $8,374
Embrace Paid $5,779
Squiggly
Cat Recovers from Car Accident
Vet bill: $12,169
Embrace Paid $10,000
Peter
Lymphoma in a Mixed Breed Cat
Vet bill: $1,659
Embrace Paid $1,089
Izza Bell
Spay & Routine Care for Kitten
Vet bill: $702
Embrace Paid $400

Read More Pet Claim Stories

Insuring Your Rescue Cat or Kitten

  • Calendar icon for Deductible Type
    Insuring an Adopted Shelter Cat     
    There are a lot of unknowns when it comes to adopting a shelter or rescue cat. When you protect your cat with Embrace Pet Insurance you'll rest easy knowing an unexpected accident or illness won't break the bank.
  • Heart in Shield icon for What Is and Isn't Covered
    Insurance for Kittens
    Does it sometimes feel like your new kitten is constantly getting into things they shouldn't? Guarantee you're covered no matter what they do next. Protect your kitten with an Embrace Pet Insurance plan today.

Ready to protect your pet?

A Year in the Life of a Cat Insurance Policyholder

Gray Cat Covered by Cat Insurance
Sign up for Pet Insurance
Jan 01

Enroll in an accident and illness cat insurance policy plus Wellness Rewards from Embrace.

Insured Cat During Waiting Period
Waiting Period Ends
Jan 14

Get through the 14-day waiting period for accidents and illnesses - phew!

Cat's Routine Exams Reimbursed by Routine Care Plan
Kitten Boosters & Exam
Feb 17

Vaccinations and check-up visit reimbursed via Wellness Rewards.

Cat's spay surgery reimbursed
Spay Surgery
Aug 24

Wellness claim submitted for a spay surgery including anesthesia. Good choice!

Cat's broken leg covered by insurance
First Insurance Claim
Oct 18

Broken leg requires $2,500 surgery and ample recovery time - covered by Embrace.

Gray cat covered by insurance
Recheck Prior Accident
Dec 17

X-rays show prior broken leg is all healed - also covered by Embrace cat insurance.

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Phone (800) 511-9172 or Fax (800) 238-1042

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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.