Clients with Pet Insurance are Good for Your Practice

Why Your Practice Should be Promoting Pet Insurance

Clients with pet insurance spend more, are more compliant, and enable you to practice the best medicine because they focus on the quality of care instead of cost.

Stat showing 81% more spent on pet care

Cat owners with pet insurance spend 81% more at the vet (and 29% more on dogs) (NAPHIA)

1 in 3 pets claim in 1st year

More than 50% of Embrace customers submit a claim within their first policy year. (Based on Embrace’s claims data)

Americans spent $152 billion on pet care in 2024

Americans spent $152 billion on pet care in 2024 (APPA)

More than 1 in 4 Americans have less than $1000

More than 1 in 4 Americans have less than $1,000 in savings (American bankers Association 2024)

The Embrace Pet Insurance Plan

Embrace covers unexpected accidents and illnesses including necessary treatment and follow-up (pre-existing conditions excluded).

  • checkmark icon used as a list bulletBreed-specific & Genetic Conditions
  • checkmark icon used as a list bulletComplementary Treatments* & Rehabilitation
  • checkmark icon used as a list bulletChronic Conditions
  • checkmark icon used as a list bulletDiagnostic Testing
  • checkmark icon used as a list bulletCancer
  • checkmark icon used as a list bulletBehavioral Therapy

Common Pet Insurance Questions

How much does pet insurance cost?

The cost of a pet insurance policy depends on several factors; zip code, breed, and age among them. While it’s not true in every situation, a higher-priced policy generally has better coverage. With Embrace, the average monthly price to insure a cat is $20-$30 and the average monthly cost to insure a dog ranges from $45-$60 in 2025. Every Embrace accident and illness policy comes with the same nose-to-tail coverage that clients can personalize to fit their budget and needs by adjusting the annual deductible, annual maximum, and reimbursement percentage.

How is Embrace different?

When it comes to being a pet insurance expert, the difference is in the details. Embrace’s accident and illness policy covers what you’d expect, without loopholes or “gotchas.” We offer optional coverage on exam fees, reimbursements are based on a direct percentage of the bill so clients get more back, and Embraced pet parents rave about our customer service. Plus, we give the best veterinary staff discount in the industry and our dedicated Veterinary Outreach Team are here to help you along the way. Looking to compare Embrace to a specific company? Check out our side-by-side pet insurance comparison chart.

Do you cover pre-existing conditions?

No pet insurance company covers pre-existing conditions, but Embrace handles them a little differently. We distinguish between curable and incurable pre-existing conditions, allowing us to provide your pet with as much coverage as possible.