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 (Available in most states.)
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.

We’re Proud of Our High Ratings

Feline Health Insurance Claim Stories

Photo of animal


Freak Accident Results in a Broken Leg

Photo of animal




Vaccine-induced Fibrosarcoma

Photo of animal


Cat Swallows 3 Feet of Ribbon

Photo of animal


Chronic Gastrointestinal Disease

Freak Accident Results in a Broken Leg
Vet bill:
Embrace Paid $4,061
Vaccine-induced Fibrosarcoma
Vet bill: $7,161
Embrace Paid $5,409
Cat Swallows 3 Feet of Ribbon
Vet bill:
Embrace Paid $5,648
Chronic Gastrointestinal Disease
Vet bill:
Embrace Paid $3,103

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


Copyright 2005-2018

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.