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Pet Insurance Policies

The Embrace Pet Insurance plan offers coverage for unexpected accidents and illnesses.

Dog Insurance
Puppy Insurance
Cat Insurance
Kitten Insurance 

Nose-to-tail Coverage

An Embrace policy provides you with top-notch coverage you can count on when you need it most.

The Embrace Plan
Breed-specific Conditions
Prescription Drug Coverage
ER & Specialist Care
Alternative Therapies
What's Not Covered

Simply Great Pet Insurance

Embrace Pet Insurance policies can be personalized to fit your budget and your needs.

Personalized Policies
Discounts & Savings
Healthy Pet Deductible
MyEmbrace Account
Waiting Periods  


What does Embrace Pet Insurance cover?

  • Accidents & illnesses
  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Diagnostic testing & imaging
  • ER & specialist care
  • Exam fees
  • Surgery, hospitalization, & nursing care
  • Alternative therapies & rehabilitation
  • Prescription drugs
  • Behavioral therapy
learn more

Still have questions on Embrace's policies? Take a look at our FAQs.

Will my pet be covered for life?

Yes. We will never drop your pet or reduce their coverage based on age, health status, or claims you’ve filed. Once you’re signed up, we do not cancel coverage for anything other than non-payment of premium.

Does pet insurance cover spaying & neutering?

Pet insurance is for unexpected accidents and illnesses, so routine procedures like spaying and neutering are not covered. However, Embrace offers Wellness Rewards, a routine care plan that reimburses for preventative care costs like spaying and neutering.

How much coverage do I need?

Only you can decide how much pet insurance coverage you need. We typically recommend getting the highest coverage that you can comfortably afford.

See all FAQs

Embrace Customer Stories

Photo of animal
Claim

$3,960

$5,550

Heidi

Bernese Mountain Dog Tears Cruciate Ligament

Photo of animal
Claim

$5,409

$7,161

Maurice

Vaccine-induced Fibrosarcoma

Photo of animal
Claim

$1,166

$1,658

Lyla

Puppy Suffers from Grape Intoxication

Photo of animal
Claim

$2,839

$4,580

Marbles

Labrador Manages Pain with Alternative Therapies

Heidi
Bernese Mountain Dog Tears Cruciate Ligament
Vet bill: $5,550
Embrace Paid $3,960
Maurice
Vaccine-induced Fibrosarcoma
Vet bill: $7,161
Embrace Paid $5,409
Lyla
Puppy Suffers from Grape Intoxication
Vet bill: $1,658
Embrace Paid $1,166
Marbles
Labrador Manages Pain with Alternative Therapies
Vet bill: $4,580
Embrace Paid $2,839

Read More Pet Claim Stories

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Contact Us

Phone (800) 511-9172 or Fax (800) 238-1042

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Copyright 2005-2018

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. © 2016 American Modern Insurance Group, Inc.