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Cat insurance

Treat and prevent illness with top-rated, affordable cat and kitten coverage.

Rated 5-star pet insurance by Forbes

Our love of pets and customer fixation earned us 5 stars on the Forbes best pet insurance companies of January 2023.

What comes with our cat insurance plan?

Pet parents of curious and adventurous cats can rest easy knowing their feline friends are embraced nose-to-tail under illness and accident coverage. Our cat health insurance plans covers:

  • Consultation & exam fees

  • Cancer treatments

  • Diagnostic testing

  • ER & specialist care

  • Surgery & hospitalization

  • Complementary treatments* & rehabilitation

  • Dental illness up to $1,000/year 

  • Prescription medications 

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*Complementary treatments were previously called alternative therapies.

What's not covered under cat insurance

No pet insurance company covers pre-existing conditions. If you're unsure of what qualifies as a pre-existing condition, you can request a medical history review.

Other exclusions may arise if procedures are deemed medically unnecessary or cruel. Your cat’s health is our priority. Embrace is one of the few pet insurance companies that distinguish between curable and incurable conditions to maximize illness coverage and benefits.

We also cover hereditary conditions.

Finally, routine care is not covered under accident and illness insurance but can be reimbursed under our optional Wellness Rewards program.

Why we’re Forbes’ 2023 top-rated pet insurance company

Known for our superior benefits, we encourage cat insurance shoppers to see how Embrace stands up against the competition.

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Fair assessments

We cover curable pre-existing conditions once your pet is free of symptoms for 12 months. We make this distinction because we believe in fair assessments and want the best for your pet.

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PawSupport 24/7 pet health line

Need advice on your pet’s diet? Wondering if a symptom is vet-worthy? Reach out to our responsive team of experts at PawSupport any time of the day or night for emergencies and questions alike.

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Behavioral therapies

Small changes can cause your cat to misbehave. Embrace covers behavioral therapies to help kick bad habits.  

The best cat health insurance: see what our customers are saying

We reward wellness

For every case of emergency and unexpected vet bill covered by insurance, Embrace expects and accounts for wellness just as carefully.

Under our optional flexible routine care plan, you can use Wellness Rewards for grooming, microchipping, spay/neuter surgery, flea, tick & heartworm preventatives, dietary products, and more.

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

Wellness Rewards reimburses for:

  • Wellness exams

  • Spay/neuter surgery

  • Grooming & nail trims

  • Teeth cleaning

  • Nutritional supplements

  • Flea, tick & heartworm preventatives

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Ready to protect your cat?

Pet insurance for cats of all ages

From kittenhood to their senior years, your cat deserves quality care. Preventative care in kittenhood can put their paws on the right track. As they age, Embrace will continue to provide support throughout their lives.

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Insurance for kittens

Our cat insurance covers kittens as young as six weeks old to give you peace of mind that their crazy antics won’t break the bank.

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Insurance for adult cats

Just because adult cats prefer a slower pace doesn’t mean they’re immune to getting sick or hurt. Ensure they’re covered as they age.

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Insurance for senior cats

Cats are covered under our accident and illness plan until their 15th birthday. We continue to offer an accident plan for cats 15 years old or older to ensure they stay protected through their golden years.

Factors we consider in your cat’s unique plan

To ensure your cat’s insurance plan fits your budget, we are transparent with the factors we consider that affect the overall cost up-front. While certain aspects of every plan go unchanged, other factors can affect what you will pay.

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Breed is one factor that affects your premium, as certain breeds are more prone to genetic conditions than others. This helps us better prepare for your cat’s needs. Certain breeds are subject to additional costs. Learn more about cat breeds.

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While kittens are more resilient, cats tend to need closer attention as they age. Illness and injury are more common in older cats, so we consider age in the final cost of your cat’s insurance plan.

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Veterinary rates change based on where you live. We take location into account to give you the best deal possible, as this will affect what you pay for your plan.

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You choose

Annual Deductible

We offer a few different deductible options. Choosing a higher deductible plan allows you to pay less for your pet insurance.

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You choose


When your pet goes to the vet, we reimburse a percentage of what you paid for care. If you choose an insurance plan with a lower reimbursement percentage, your insurance payment will be smaller.

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You Choose

The Annual Maximum

The annual maximum is the highest amount Embrace will reimburse you per year. An insurance plan with a lower annual maximum will cost less. When choosing this maximum, consider factors such as energy level and whether your cat is an indoor or outdoor pet.

How to submit a claim

The claim process for an accident or illness is a simple and speedy one. Also, claim Wellness Rewards from the first day of your policy. Here’s how to submit:


Choose any vet

Any licensed vet is eligible under Embrace coverage. We’ll cover your pet’s dental work, regular checkups, emergency visits, and more. Visit our FAQ for additional coverage inquiries.


Submit a claim

We accept invoices submitted through MyEmbrace online, our Pet Insurance Mobile App, or by email, fax, or mail. You’ll receive an email to confirm we received your claim.

While you wait for confirmation and reimbursement, our support team is here to answer your questions.


Get reimbursed

Get paid fast when you sign up for direct deposit reimbursement. Claims take an average 10-15 days to process. We’ll update you online on your claim status throughout the process.

Is cat insurance worth it?

Cat insurance can be priceless for the peace of mind it provides, plus the financial savings when there’s a medical emergency. A policy with reimbursement for wellness visits and routine checkups more than pays for itself after a few years.

Cats are known for their resilience, but they’re not impervious to illness and injury. Embrace covers common feline ailments such as urinary tract infections.

We also offer optional wellness rewards for expenses like flea treatments.

Cat experience claims stories

You never know what could happen to your cat, so having coverage you can count on makes all the difference. Here’s what our policyholders have to say about their experiences.

“I could have been in major trouble had I not had Embrace.”
Ghaal the Domestic Shorthair cat with his owner

Vet Bill: $4,369

Embrace Paid: $3,187.10

Cat struggles with multiple health problems
Todd- Domestic Longhair Cat

Vet Bill: $8,374

Embrace Paid: $5,779.24

Frequently asked questions about cat insurance