Embraced cats are covered 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
ER & Specialist Care
Surgery & Hospitalization
Complementary Treatments* & Rehabilitation
Dental Illness up to $1,000/year
*Complementary treatments were previously called alternative therapies.
What's Not Covered
No pet insurance company covers pre-existing conditions, but Embrace’s cat insurance plan separates curable and incurable conditions to help you get the most coverage. Worried about pre-existing conditions? Request a Medical History Review. Other exclusions include cosmetic procedures, DNA testing, breeding, and pregnancy.
Wellness Rewards for Routine Care
Our cat insurance policy covers unexpected vet bills. For everything else, there’s Wellness Rewards†, Embrace’s flexible routine care plan that covers everyday veterinary, training, and grooming costs.
For a full pet wellness plan breakdown, visit our Wellness Rewards page.
Wellness Rewards reimburses for:
Grooming & nail trims
Flea, tick & heartworm preventatives
Insurance for Kittens
Our insurance covers kittens as young as six weeks old to give you peace of mind that their crazy antics won’t break the bank.
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.
Insurance for Senior Cats
Cats can be enrolled in our accident & illness plan up to their 15th birthday. After 15, they’re eligible for an accident-only plan at signup.
Your Cat's Breed
Certain cat breeds are prone to different genetic conditions, so the premium reflects that.
Your Cat's Age
Aging cats are at higher risk and cost more to insure since they are more susceptible to injuries and illnesses.
Veterinary rates vary based on location, so pet insurance companies consider that in your payment.
Pick from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be.
We reimburse a direct percentage of the vet bill. The lower the percentage, the less your payment.
The Annual Maximum
Select the annual maximum that best suits your cat’s needs – consider their energy level and whether they have access to the outdoors.
Personalized policies are great, but discounts never hurt. 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
For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.
Learn more about the Healthy Pet Deductible.
Visit Any Vet!
You can always take your cat to the licensed vet you trust. We cover everything from checkups and dental to emergency visit, specialists, and rehabilitation.
Submit Your Claim!
Once your claim is approved, you can get direct deposit within three days. We process most claims in two weeks. And, you can check for updates anytime online.
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.
Insurance Cost Experiences
You never know what could happen to your cat, so having coverage you can count on makes all the difference. But don't take our word for it, check out what our policyholders have to say.
Cat Develops Basal Cell Carcinoma
Vet Bill: $2,989
Embrace Paid: $2,509.71
“I could have been in major trouble had I not had Embrace.”
Vet Bill: $4,369
Embrace Paid: $3,187.10
Squiggy's Unfortunate Car Accident
Vet Bill: $12,169
Embrace Paid: $10,000.00
Cat's Leg Broken in Freak Accident
Vet Bill: $4,061
Embrace Paid: $2,867.97
Cat Struggles with Multiple Health Problems
Vet Bill: $8,374
Embrace Paid: $5,779.24
Vet Bill: $4,131
Embrace Paid: $2,623.66