Accidents & Illnesses

As cats age, they become more prone to expensive accidents and illnesses. Protect your cat or kitten now with an Embrace plan and never have to worry about how a costly veterinary procedure will affect your wallet.

Your Embrace cat insurance plan protects against diabetes, cancer, hyperthyroidism, costly ER visits, and a lot more.

Accident & Illness Coverage

Wellness Rewards (Optional)

All cats, especially kittens, 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, flea and tick medications, and other items not covered by insurance.

Wellness Rewards Details

Get Up to 90% Back

Personalized policies mean getting your cat the best care out there. Trust that their well-being is in the best hands with our supportive customer care team. From picking plan details to your first claim, let us show you how.

Whether it’s your first experience with pet insurance or not, we're here every step of the way. Plus dependable claims payments that you can take to the bank – literally.

Customer Stories

Embraced cats can visit any vet. Coverage includes:

  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Diagnostic testing & imaging
  • ER & specialist care
  • Surgery, hospitalization, & nursing care
  • Alternative therapies & rehabilitation
  • Prescription drugs
  • Behavioral therapy
learn more

Feline Health Insurance Claim Stories

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Cat Swallows 3 Feet of Ribbon

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Freak Accident Results in a Broken Leg

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Chronic Gastrointestinal Disease

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Vaccine-induced Fibrosarcoma

A Year in the Life of a Policyholder

Frequently Asked Questions

Is my pet covered for life?

Yes. We will never drop your pet or reduce their coverage based on age, health status, or claims you’ve filed. Once you’re signed up, we do not cancel coverage for anything other than non-payment of premium.

Are vet exam fees covered?

Yes. Sometimes just walking into the vet’s office can cost you upwards of $100. 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 single claim you file.

How much coverage do I need?

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


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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.