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Cat Insurance From Embrace

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What Embrace’s Cat Insurance Plan Includes

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
  • Cancer Treatments
  • Diagnostic Testing
  • ER & Specialist Care
  • Surgery & Hospitalization
  • Alternative Therapies & Rehabilitation
  • Dental Illness up to $1,000/year 
  • Prescription Medications 

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.

Owner holding cat

Embrace Leads the Pet Insurance Pack

When shopping for cat health insurance, pick a plan that doesn’t leave gaps in coverage. See how Embrace’s cat insurance compares to the competition.  

Dental Coverage
Despite eating hard kibble, cat’s teeth still need attention – Embrace’s policy covers dental illness (up to $1,000/year) and accidents.

Exam Fees
It can cost $100 or more to be seen by the vet. Accident and illness exam fee coverage is included on every policy. 

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

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: 

Wellness Exam-icon    Wellness Exams
Spay-icon  Spay/Neuter Surgery
Grooming-icon  Grooming & Nail Trims
tooth-icon    Teeth Cleaning
nutritional-icon    Nutritional Supplements
flea-icon    Flea, Tick, & Heartworm Preventatives
money-icon   $2 Donation for Every Policy
money-back-icon   30-day Money-back Guarantee
90%-icon   Up to 90% Back

Pet Health Insurance for Cats of All Ages

Whether you just brought home a little furball or rescued an older cat, Embrace Pet Insurance has you covered.

Kitten image

Pet 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.

adult cat

Pet 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.

senior cat

Pet 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.

How Your Cat Insurance Plan is Built

Some factors that determine pet insurance plan cost can’t be changed. But Embrace lets you customize other elements to build the best cat insurance policy that fits your budget. 

Certain cat breeds are prone to different genetic conditions, so the premium reflects that.  

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. 

Annual Deductible

Pick from several annual deductible options. The higher the deductible, the lower your pet insurance payment will be. 


We reimburse a direct percentage of the vet bill. The lower the percentage, the less you pay.  

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.

Policy Perks & Discounts


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.

Industry’s Best Diminishing Deductible 

For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.

diminishing deductible-icon

Submitting Claims is Easy

Claims for accidents and illnesses are eligible for coverage once your cat is out of the waiting periods, and claims for Wellness Rewards can be sent in from the first day of your policy.


Visit Any Vet

Regular vet, emergency, specialist, rehabilitation center – you name it. Embrace covers your cat’s unexpected bills from any licensed veterinarian.  


Submit Your Claim

Make sure to get a copy of your invoice. Claims can be sent through MyEmbrace, the Embrace Pet Insurance mobile app, email, fax, or mail.  


Get Reimbursed!

Check the status of your claim online anytime, anywhere. Approved claims are reimbursed by check or direct deposit.  

Sugar the cat

Young Cat Hospitalized for Infection
Domestic Longhair Cat
Vet Bills: $11,289 | Embrace Reimbursed: $8,328

Sugar wasn’t even a year old when she started getting sick, and her veterinarian didn’t think she would recover. But her mom didn’t give up even when the vet bills soared.

“We wouldn’t actually have been able to save Sugar if we didn’t have insurance.” -Christine G., Sugar’s Pet Parent
Mind if we pay your vet bills?
1Embrace covers alternative therapies for 12 weeks following a covered injury or illness.
In some states, there is no time limit. Please see your state’s terms & conditions for details.
2Dental illnesses are covered up to $1,000 per policy year in all states except NY. 

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.