Embrace Pet Insurance Get Quote Cat Insurance from Embrace You can’t predict when your cat will get hurt or sick. But you can protect yourself from costly vet bills with the right cat insurance plan. Get a Quote Need help? Call us at (800) 779-1539 What Our Cat Insurance Plan Includes 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. Embrace Leads the Pet Insurance Pack When shopping for cat health insurance, pick a plan that doesn’t leave gaps in coverage. See how Embrace’s cat insurance compares to the competition. Fair Evaluation of Pre-existing Conditions 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. PawSupport – Our 24/7 Pet Health Line 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. Behavioral Therapies 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 Ready to protect your cat? Call (800) 779-1539 M-F: 9 am-8 pm ET - Sat: 10 am-2 pm ET Get a Quote Now Insurance for Cats of All Ages Whether you just brought home a little furball or rescued an older cat, Embrace Pet Insurance has you covered. Insurance for Kittens 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. Insurance for Adult Cats 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. Insurance for Senior Cats 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. How Your Cat Insurance Plan is Built Some factors that determine pet insurance plan cost can’t be changed. But Embrace lets you customize other elements to build the best cat insurance policy that fits your budget. Your Cat's Breed Certain cat breeds are prone to different genetic conditions, so the premium reflects that. Your Cat's Age Aging cats are at higher risk and cost more to insure since they are more susceptible to injuries and illnesses. Location Veterinary rates vary based on location, so pet insurance companies consider that in your payment. Annual Deductible YOU CHOOSE Pick from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be. Reimbursement YOU CHOOSE We reimburse a direct percentage of the vet bill. The lower the percentage, the less your payment. The Annual Maximum 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. Get a Free Quote Policy Perks & Discounts Discounts* 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. Healthy Pet Deductible 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. Submitting Claims is Easy Claims for accidents and illnesses are eligible for coverage once your dog is out of the waiting periods, and claims for Wellness Rewards can be sent in from the first day of your policy. Submitting is a breeze. 1 Visit Any Vet Regular vet, emergency, specialist, rehabilitation center – you name it. Embrace covers your pet’s unexpected vet bills from any licensed veterinarian. 2 Submit Your Claim 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. 3 Get reimbursed! Check the status of your claim online anytime, anywhere. Approved claims are reimbursed by check or direct deposit. Cat Claim Experiences 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. Cat Develops Basal Cell Carcinoma Vet Bill: $2,989 Embrace Paid: $2,509.71 View Remy’s Story Cat Diagnosed with Chronic Gastrointestinal Disease Vet Bill: $4,369 Embrace Paid: $3,187.10 View Ghaal’s Story Squiggy's Unfortunate Car Accident Vet Bill: $12,169 Embrace Paid: $10,000.00 View Squiggy’s Story Cat's Leg Broken in Freak Accident Vet Bill: $4,061 Embrace Paid: $2,867.97 View Gilbert’s Story Cat Struggles with Multiple Health Problems Vet Bill: $8,374 Embrace Paid: $5,779.24 View Todd’s Story Feline Diabetes Vet Bill: $4,131 Embrace Paid: $2,623.66 View Tey-Tey’s Story So, mind if we pay your vet bills? Get a Quote Now Need More Help? Contact Us Connect with Us Log In to MyEmbrace Pet Insurance Partner With Us About Embrace Policies Copyright 2005—2021 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. © 2021 American Modern Insurance Group, Inc.