Comprehensive coverage for cats. Designed by cat experts.

Most Embrace cat parents pay $17-$42/month. Rates are influenced by factors such as your cat's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy. Lower your cost with a higher deductible, 10% multi-pet discount, or 5% military discount. Get your exact price in about a minute with no commitment.

Yes. From unexpected accidents to chronic conditions and emergency care, cat insurance helps make veterinary costs more manageable. Like most pet insurance, you pay your vet at the time of service, then submit a claim for reimbursement. Embrace pays 90%+ of claims within 10 days via direct deposit or check.

Yes. Like most pet insurance, you pay your vet at the time of service, then submit a claim for reimbursement. Embrace pays 90%+ of claims within 10 days via direct deposit or check.

Pre-existing conditions are excluded across the industry. However, Embrace may cover certain curable conditions once a cat has been symptom-free and treatment-free for 12 consecutive months. Chronic conditions diagnosed before enrollment stay excluded, which is why enrolling early is the best approach.

Yes. Dental injuries are covered like any other injury. Dental illness, including extractions, periodontal disease, and fractured teeth, is covered up to $1,000/year. Routine dental cleanings are not covered.

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the applicable waiting period ends, your coverage kicks in. See waiting period details for your state.

No upper age limit. Kittens from 6 weeks old and cats up to 14 can enroll in accident and illness coverage. Cats 15+ can enroll in accident-only coverage.