Cat Insurance Plans & Coverage - Protect your Cat

Need help? Call us at (800) 779-1539

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
Complementary Treatments* & Rehabilitation
Dental Illness up to $1,000/year
Prescription Medications

See Coverage Details

*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.

While no pet insurance covers pre-existing conditions, we distinguish between curable and incurable, covering curable ones after your pet is symptom-free for 12 months.

Illustration of a chat bubble with a paw inside of it

Our exclusive pet health line provides real-time guidance on everything from emergency care to diet and exercise. Just another way we’re there for you.

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 exams
Spay/neuter surgery
Grooming & nail trims
Teeth cleaning
Nutritional supplements
Flea, tick & heartworm preventatives

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.

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 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.

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.

You Choose

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

You Choose

We reimburse a direct percentage of the vet bill. The lower the percentage, the less your payment.

You Choose

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.

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.

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

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.

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

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.