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Kitten Insurance From Embrace

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Accidents & Illnesses

Kittens are curious creatures and can be susceptible to illness due to their underdeveloped immune systems. Protect your kitten against unexpected accidents and illnesses by signing them up with kitten insurance while they're young!

Embrace offers one comprehensive policy for cats of all ages. Embraced pets are covered for life. There is no need to adjust your plan as your kitten grows.

Accident & Illness Coverage

Routine Care Plan (Optional)

Kittens require several routine visits to the vet during their first year. Wellness Rewards† can be purchased in addition to Embrace's insurance coverage for kittens, and helps you budget for regular veterinary costs. We offer a $250, $450, or $650 annual allowance.

You can use it for check-ups, rabies vaccinations, microchipping, flea and tick medications, and other items not covered by insurance.

Wellness Rewards Details

Dependable Claims Payments

A personalized health insurance policy for your kitten means getting support when you need it more. From picking an insurance plan to submitting your first claim, we'll be there to help ensure your kitten gets the very best care.

Discover what actual Embrace policyholder have to say about their experiences when it came time to submit a big claim for their pet.

Policyholder Claim Stories

No networks. Visit any vet. Our kitten health insurance coverage includes:

  • All illnesses & injuries
  • Vet-exam fees
  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Diagnostic testing & imaging
  • ER & specialist care
  • Surgery, hospitalization, & nursing care
  • Alternative therapies & rehabilitation
  • Prescription drugs (Optional in some states.)
  • Behavioral therapy
  • Prosthetic limbs, devices, & mobility aids
  • Dental illness up to $1,000/year (Available in most states.)
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When should I get kitten insurance?

  • Calendar icon for Deductible Type
    Insuring an Adopted Shelter Cat     
    The best time to purchase insurance for your kitten is right after you bring them home. Embrace insures kittens starting at 6 weeks of age.
  • Heart in Shield icon for What Is and Isn't Covered
    Insurance for Cats
    Embrace covers cats of all ages. Insure your cat today and enjoy Embrace's nose-to-tail accident and illness coverage for life.

Ready to protect your pet?

A Year in the Life of a Kitten Insurance Policyholder

Kitten covered by pet insurance 
Sign up for Pet Insurance
Jan 01

Enroll in an accident and illness kitten insurance policy and Wellness Rewards from Embrace.

Gray kitten after insurance waiting period 
Waiting Period Ends
Jan 14

You're through the waiting periods for accidents and illnesses - phew!

Kitten with routine vet care plan 
Kitten Boosters & Exam
Feb 17

Vaccinations and check-up visit reimbursed via Wellness Rewards.

Kitten needs 24/7 pet help line 
False Alarm
Apr 09

Naughty kitten eats your plant but whiskerDocs® says a vet visit is not needed.

Kitten's spay surgery reimbursed by routine care plan 
Spay Surgery
Aug 24

Wellness claim for a spay surgery including anesthesia.

Kitten's broken bone covered by insurance 
First Insurance Claim
Oct 18

Broken bone requires $2,500 surgery and ample recovery time - covered by Embrace.

Kitten's recheck covered by insurance 
Recheck Prior Accident
Dec 17

X-rays show prior broken bone is all headed - also covered by Embrace.

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Frequently Asked Kitten Insurance Questions

Is my kitten covered for life?

Yes. Your kitten’s pet insurance will never be dropped or their health insurance coverage reduced based on age, health status, or claims you’ve filed.

Are vet exam fees covered?

Yes. Sometimes just walking into the vet’s office can cost you upwards of $100. Many pet insurance companies do not cover your vet’s exam fee. When a pet insurance company doesn’t cover the exam fee, it’s almost like paying an extra deductible on every single claim you file.

How much coverage do I need?

Only you can decide how much health insurance coverage your kitten will need. We typically recommend getting the highest coverage that you can comfortably afford.

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

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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.