Cat Insurance That Covers More
From unexpected emergencies to chronic conditions, we've got your cat covered, so you can make decisions based on care, not cost.
✓ Up to 90% back on vet bills
✓ Any licensed vet in the US, no networks
✓ 90%+ of claims paid in 10 days
✓ Free 24/7 pet telehealth included
Plans starting at $9.17/month¹
What Cat Insurance Covers
Cats are experts at hiding pain. By the time you notice something's wrong, you're facing an emergency.Embrace covers the eligible accidents, illnesses, chronic conditions and more that catch you off guard, so you can focus on your cat instead of the bill.
Accidents
Swallowed objects (hair ties, string), falls, bite wounds, poisoning
Illnesses
Upper respiratory infections, urinary issues, allergies, kidney disease
Cancer
Diagnosis, surgery, chemo, radiation, medications
Dental Illness
Tooth resorption, extractions, periodontal disease (up to $1,000/yr)
Chronic Conditions
Diabetes, hyperthyroidism, kidney disease, IBD that develop after enrollment
Hospitalization & Surgery
Emergency and scheduled procedures, overnight hospital stays
Diagnostic Testing
Bloodwork, X-rays, ultrasounds, MRIs, biopsies
Rx Medications
Prescription coverage available for daily meds and specialty drugs for covered conditions
How Embrace Compares
See how our coverage stacks up against other top pet insurance providers.
 |  |  |  |  | |
|---|---|---|---|---|---|
| Unlimited annual limit option |  | ✗ | ✗ | | |
| Dental illness coverage on every policy | | ✗ | Limited | ✗ | |
| Behavioral care included on every policy | | ✗ | ✗ | ✗ | |
| Exam fee coverage option | | | ✗ | ✗ | |
| Complementary therapies included on every policy | | ✗ | ✗ | | ✗ |
| Multi-pet discount | 10% | 5%-10% | 5%-10% | ✗ | 5% |
| Claims submission window | Policy term + 60 days | 90 days | Varies | 90 days | 180 days |
How Cat Insurance Works
Simple protection. Fast reimbursement.
CHOOSE YOUR PLAN
Pick your annual limit, deductible, and reimbursement %
VISIT ANY VET
No networks. No referrals. Any licensed vet, ER, or specialist in the US
SUBMIT YOUR CLAIM & GET REIMBURSED
Upload your bill in the app or online in less than 5 minutes. 90%+ of claims paid in 10 days.
Free 24/7 Vet Telehealth
Day or night, talk to a pet health professional. PawSupport is included in every Embrace plan at no extra cost.
Cat Insurance Cost
Most of our Embrace cat parents pay between $10 to $30 per month,² but here are some real monthly prices from around the country:
| Breed | Age | State | Zip | Estimated Premium |
|---|---|---|---|---|
| Domestic Shorthair | 5 years | Des Moines, Iowa | 50309 | $18.82 |
| American Shorthair | 4 years | Omaha, Nebraska | 68102 | $13.76 |
| Siamese | 2 years | Wichita, Kansas | 67202 | $14.09 |
| Bombay | 1 year | Knoxville, Tennessee | 37902 | $19.04 |
| Bengal | 10 months | Sioux Falls, South Dakota | 57104 | $19.38 |
| Russian Blue | 6 months | Springfield, Missouri | 65806 | $13.95 |
Information is from quotes for a male cat with a 70% reimbursement and a $5,000 annual limit from 2026.
Why We Think Embrace is the Best Cat Insurance
Embrace is what premium cat insurance looks like: broader coverage, faster claims. What other insurers charge extra for, we include. Behavioral therapy, rehab therapies, and dental illness coverage come standard, not as pricey add-ons.
Up to 90% Back
Choose your reimbursement level. Get up to 90% back on eligible vet bills.
90%+ CLAIMS PAID IN 10 DAYS
No runarounds, no endless waiting. Upload your bill and get reimbursed fast
ANY VET, NO NETWORKS
Use any licensed vet, ER, or specialist in the US. Your coverage follows you
FREE 24/7 TELEHEALTH
Talk to a pet health pro anytime, day or night. Included in every plan
CHRONIC CONDITIONS COVERED
Diabetes, hyperthyroidism, kidney disease, as long as they develop after enrollment. No per-condition limits
DENTAL ILLNESS INCLUDED
Up to $1,000/year for tooth resorption, extractions, periodontal disease
BEHAVIORAL THERAPY INCLUDED
Anxiety, aggression, litter box issues. Standard on every policy, not an add-on
REHAB THERAPIES INCLUDED
Acupuncture, chiropractic, hydrotherapy, laser therapy. No extra charge
Why Pet Parents Say We’re Worth Every Penny
Hear what it's like to have real coverage when it matters most.
Finding the best cat insurance means more than just price. Here's why pet parents trust us:
Insurance Coverage for Every Age Cat
Kittens (6 weeks+)
Kittens are curious and accident-prone. They swallow things, catch respiratory infections, and haven't developed pre-existing conditions yet. Enroll early to lock in lower rates and cover whatever comes next.
Adult Cats (1–10 years)
These are the prime years, but they're not risk-free. Adult cats develop allergies, urinary blockages, dental disease, and unexpected injuries. This is also when many chronic conditions first appear, making it the ideal window to lock in coverage before they become pre-existing.
Senior Cats (No Age Limit)
Older cats face kidney disease, diabetes, hyperthyroidism, and cancer. Many insurers make it hard to cover them. Embrace doesn't. Cats under 15 get full accident and illness coverage. Cats 15+ can enroll in accident-only. Already insured? Your coverage continues for life.
Real Cat Insurance Claims
Jax: Urethral Obstruction
Condition | Urethral obstruction (emergency) |
What happened | Stress from a new cat caused Jax to develop a painful blockage |
Vet bill | $2,048.17 |
Embrace paid | $1,508.04 |
Family paid | $540.13 |
Tey Tey: Feline Diabetes
Condition | Diabetes mellitus (chronic) |
What happened | Excessive thirst and weight loss led to diagnosis |
Vet bill | $4,130.91 |
Embrace paid | $2,623.66 |
Family paid | $1,507.25 |
Carly: Swallowed Ribbon
Condition | Foreign body ingestion (accident) |
What happened | Carly ate over 36 inches of ribbon |
Vet bill | $5,648.44 |
Embrace paid | $4,358.75 |
Family paid | $1,289.69 |
Customize Your Coverage
Your plan, your price. Adjust these three settings to fit your budget:
Annual Limit
$2,000 to Unlimited
The maximum we'll reimburse each year. You can lower your limit anytime, but increasing it requires a new policy, so consider starting higher if you're unsure
Deductible
$200 to $1,000
The amount you pay once per year before reimbursement kicks in. A higher deductible means a lower monthly cost.
Reimbursement Rate
70%, 80%, or 90%
The percentage of covered vet bills you get back after your deductible. A higher rate means more money back per claim but a higher premium.
Save Even More
10% Multi-Pet Discount
Save when you insure more than one pet
5% Military Discount
For active duty and veterans
What's Not Covered
We're upfront about exclusions so you can make an informed decision.
- Pre-existing conditions
- Routine wellness care (consider a pet wellness plan for options)
- Breeding, pregnancy, or mating
- Cosmetic procedures (declawing, ear cropping) unless medically necessary
- Food and supplements for general health
- DNA testing or cloning
Waiting periods: Coverage begins shortly after your policy starts. See waiting period details for your state.
Protect Your Cat Today
Get up to 90% back on vet bills with plans that include unlimited annual limits. See your price in minutes.
Or call (800) 511-9172 to speak with a specialist.
Cat Insurance FAQs
How much does cat insurance cost?
Most Embrace cat parents pay $10-$30/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.
Is cat insurance worth it?
For most owners, yes. One emergency can cost $3,000-$10,000+. With Embrace, you transform these potentially overwhelming expenses into manageable monthly premiums. Enroll while your cat is healthy to maximize coverage and avoid pre-existing condition exclusions.
Do I have to pay the vet upfront?
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.
Does cat insurance cover pre-existing conditions?
Pre-existing conditions are usually 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. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling early is the best approach.
Does Embrace cat insurance cover dental?
Yes. Dental injuries are covered like any other injury. Dental illness (extractions, periodontal disease, tooth resorption) is covered up to $1,000/year. Routine cleanings are not covered under insurance.
What's the waiting period for cat insurance?
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 full coverage kicks in. See waiting period details for your state.
Is there an age limit for cat insurance?
No upper age limit. Kittens from 8 weeks and senior cats of any age can enroll.