Cat Insurance

Having cat and kitten insurance means never having to decide if you can pay for life-saving care for your pet.

Why Do You Need Cat Insurance?

Cat insurance is more important than ever. With rising healthcare costs, having insurance can give you peace of mind, knowing that you can afford the care your cat needs.

  • Exam fees covered
  • PawSupport 24/7 pet health line
  • Customize & personalize your cat's plan
  • Visit any vet

Accidents & Illnesses

Our cat insurance is customizable and covers accidents, illnesses, and more conditions, plus diagnostic exam fees, treatments, and ongoing care.

  • Dental work
  • Unlimited reimbursement
  • Claims processed in 10 -15 days

Customizable Plan

Embrace offers a variety of add-ons and programs that can supplement your cat insurance coverage and help you save money.

  • $5,000 to unlimited annual reimbursement limits
  • Deductibles starting at $100
  • Optional exam fee & prescription drug coverage
See Coverage Details
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Cover Routine Cat Care with a Wellness Plan
While our cat insurance covers illnesses or feline emergencies, our flexible, optional routine and preventative care plans can reimburse you for those everyday veterinary, training, and grooming costs. Wellness Rewards is not an insurance policy, but a plan that helps you be proactive with your cat's care.
Blue Check Mark iconWellness exam fees
Blue Check Mark iconSpay/neuter
Blue Check Mark iconVaccinations
Blue Check Mark iconFlea/tick treatments
Blue Check Mark iconGrooming

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PawSupport 24/7

Did your kitty eat something they shouldn't have? Is she making unusual noises that you don't recognize? Cat emergencies and accidents don't always happen during regular business hours. That's why 24/7 PawSupport is included with every cat insurance plan.

  • 24/7 pet professionals available by phone, live chat, or video conference
  • Help with behavioral changes, emergencies, poisons & toxins, new symptoms, or managing chronic conditions.
  • Learn more about how PawSupport is there when you need it most by visiting our support page.

Policy Options for All Ages

From kittenhood all the way up to their senior years, help your feline friend live their best life.

  • Policies begin at six-weeks old
  • Accident and illness coverage for up to 15 years old
  • Accident-only coverage for senior pets

Rated 5-star pet insurance by Forbes

Cat Health Insurance that Actually Covers Your Cat

Providing insurance for your cat is the best way to protect them from unexpected illnesses or accidents. For thousands of cat parents, Embrace offers affordable, comprehensive coverage and wellness rewards that fit your budget and provide the coverage you need.

Is Cat Insurance Worth It?

As a cat owner, having cat insurance provides priceless peace of mind. Not only can it save you money during unexpected medical emergencies, but with a wellness plan that includes reimbursement for routine checkups and visits, your plan can pay for itself in just a few years, or even a single emergency!

236.9% higher vet care costs in 2023 than 1997
  • Vet bills are going up
  • Vet care can be expensive
  • You don't want to have to decide whether you can afford life-saving treatment

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Call (800) 799-1539

Pet Insurance for Cats of All Ages

As your cat gets older, finding quality care is essential. Embrace offers coverage and support throughout their entire life, starting with wellness plans that provide preventative care during kittenhood and options as your furry friend enters their senior years.

Pet Insurance for Kittens

Embrace cat insurance offers coverage for cats as young as six weeks old to give you peace of mind that their adventurous instincts won't break the bank. Also take advantage of our optional Wellness Rewards , which isn't insurance, but can help you budget for spaying and neutering, microchipping and all the expenses of early-life ownership.

Pet Insurance for Adult Cats

Just because your cat's getting older doesn't mean they're less curious. While they're a little wiser, they're actually more prone to accidents or getting sick as they age. Ensure those frightful moments or illnesses are covered, while allowing your cat to see their preferred vet.

Pet Insurance for Senior Cats

Embrace's accident and illness plans cover your cat until their 15th birthday, but you can still have peace of mind knowing that you have pet insurance, even if your cat is older. We continue to offer accident plans for cats 15 years and older to provide protection in their twilight years.

Frequently Asked Questions About Cat Insurance

Is pet insurance a good idea for cats?

Every 6 seconds, a pet parent is handed an emergency vet bill of $1,000 or more. The cost of vet care is getting more expensive. While your cat might seem healthy now, there's no telling what sort of accident or illness might develop throughout the long lifespan of his or her life.

What is the best type of cat insurance?

The best cat insurance is the insurance that offers the broadest coverage and the fastest reimbursement of your claims. Embrace offers flexible policy options, Wellness Rewards, exam fee coverage, and policies that cover pets with curable preexisting conditions. All backed by 24/7 telehealth support and the freedom to choose your own licensed vet.

Is pet insurance worth it for an indoor cat?

Living indoors might seem like a safer alternative to living out in the wild, but cats still get sick, and they still get into things. Did the cat just eat the stuffing out of a pillow? Did it miss that daring jump to the higher bookshelf? Accidents and illness can happen anywhere, and cat insurance can help take the pain out of those big, unexpected vet bills.

How do I choose a cat insurance?

When choosing cat insurance, it's important to consider your options. Look for policies that cover accidents and illnesses, and look for options for routine and preventative care. Consider the deductible and co-pay amounts and any annual limits or exclusions. It's also important to research the reputation and financial stability of the insurance provider. Take your time to compare policies and choose one that meets your needs and budget.

How much is insurance for a kitten?

The cost of coverage varies depending on where you live and your cat's age, your deductible and your annual coverage limit. For example, a 6-week-to-12-month-old Tabby in Cleveland, Ohio, can get coverage between $13.39 and $27.33 monthly, depending on your choice. Begin customizing your plan by getting an instant quote today. Add-ons include additional coverage for exam fees and prescription drugs, which can be as low as $3 a month. Multiple pet discounts are also available for homes with more than one fur baby, and we give a 5% active military discount as well.

What does cat insurance cover?

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

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

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

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. Embrace offers an optional Wellness Rewards program that provides flexible, preventative care for your cat and 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.

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.

Ready to protect your furry friend?

Call (800) 799-1539