What does cat insurance cover?

Embrace Pet Insurance covers your cat for every accident, illness, and condition, plus associated costs including surgery, hospitalization, emergency care, specialist care, diagnostic testing, prescription drugs, treatments, and more. Coverage can vary from insurer to insurer, so it’s best to research and compare.

How does cat insurance work?

Embrace Pet Insurance follows a reimbursement-based model. That means that when you take your cat to the vet for an injury or illness, you pay the vet bill at the time of service and submit a claim for reimbursement. Because of this reimbursement-based model, you’re free to use any licensed vet you’d like. Like car insurance, most pet insurance plans have a deductible, annual or per-incident maximum, reimbursement percentage or copay, and waiting periods.

Can I go to any vet with my cat health insurance plan?

Unlike health insurance for people, pet insurance companies like Embrace have no networks and let you choose your vet. You pay your vet directly, submit your claim, and Embrace will pay you back. You can visit any veterinarian, specialist, or emergency hospital you like.

How much does cat insurance cost?

There are pet-based and policy-based factors that determine the cost of cat insurance. Pet-based factors include your cat’s breed, gender, age, and even where you live. Policy-based factors include the deductible, reimbursement percentage, and other variable elements of your policy that affect your costs. You can personalize parts of your policy to get the best plan for your cat’s needs and your budget. Learn more about our pricing options.

Is routine care covered?

Cat insurance is for the unexpected, so for the most part, accident and illness policies don’t cover preventative or routine care costs. However, Embrace Pet Insurance offers Wellness Rewards – an optional, flexible preventative care plan for your cat that reimburses for everyday veterinary, training, grooming costs, and more. It works like a health savings account, helping you budget for your cat’s routine care expenses.

Is cat dental care covered?

Embrace covers your cat’s dental illness up to $1,000 per policy year including tooth repair and extractions. You may also enroll in Embrace’s optional Wellness Rewards preventative care plan, which reimburses for teeth cleaning.

Can I change my cat insurance policy at any time?

Companies and policies vary, but with Embrace Pet Insurance, you can adjust your cat health insurance policy at any time by downgrading your coverage, which could include lowering your reimbursement percentage and increasing your annual deductible, or upgrading to include enhanced coverage. By upgrading, your policy would be subject to re-underwriting which is basically like getting a new policy.

Does cat insurance cover spaying and neutering?

Spay and neuter surgery is preventative and not covered by insurance. However, it can be reimbursed through Embrace Pet Insurance’s Wellness Rewards preventative care plan, which can be added to your cat insurance policy.

I have more than one cat. Is pet insurance worth it?

Financial challenges happen, and that’s the reason cat insurance is worth it if you can find a way to fit premiums into your budget. It’s easier to find a small amount each month than thousands of dollars at once in an emergency. If you’re the type of person who would do anything to save your cat, it’s better to pay for even a basic policy to help get your pet the care they need.

Are pre-existing conditions covered?

No pet insurance company covers pre-existing conditions. However, Embrace does distinguish between curable and incurable pre-existing conditions. For example, incurable pre-existing conditions include diabetes and allergies, whereas curable pre-existing conditions include ear infections and undiagnosed vomiting. Since these curable conditions may clear up, they could be covered moving forward if your cat goes 12 months symptom free.

Cat Insurance Plans | Explore Pet Insurance for Cats & Kittens

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

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

domestic longhair cat sitting with smiling African-American woman

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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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

While you can get a great deal with your regular policy, there is always an opportunity to save more. Policyholders may be eligible for multi-pet and military discounts*. Multi-pet policies are eligible for 10% off, while military members can enjoy 5% off.

10% Multi-pet discount* | 5% Military discount*

*Discounts are subject to state regulations and may vary by state. Visit our Discounts page for details.

We love to see healthy dogs and satisfied pet parents. That’s why we’re happy to offer a $50 deductible reduction for each year you do not receive a claim reimbursement. Learn more about the Healthy Pet Deductible.

Learn more about the Healthy Pet Deductible.

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.

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 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.

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.

Insurance cost experiences

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.