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Pet Insurance

Keeping the furriest members of your family healthy and protected

It’s scary when our pets get suddenly sick or accidentally hurt. It can be even harder when their costly medical bills add up and your savings take a hit. We’ve partnered with Embrace Pet Insurance to help protect your furry family members when the unexpected happens.

What is pet insurance?

Pet insurance helps you manage your pet’s unexpected vet costs. Just as you want the best health insurance for your human family members, your furry family members shouldn’t be any different. That’s where pet insurance comes in.

Nose-to-tail pet insurance

Pet insurance covers your dog’s and cat’s non-routine exam fees (or consultation fees) at no additional cost and reimburses you for up to 90% on your pet’s medical bills. Unlike human medical insurance, there are no networks – you’re free to take your pet to any licensed vet, anywhere in the U.S.

Accident-only insurance

Accident-only pet insurance provides senior pets (15 years and older) coverage for everything from accidents and prescription drugs to covered accidents/illnesses.1

What does pet insurance cover?

Your pet’s medical bills can become costly, but you shouldn’t have to choose between their care after an unexpected accident and your budget. Pet insurance is worth it for the comfort of knowing your family’s furriest member is covered.

Included coverage

  • Emergency and specialist vet care, including surgery
  • Diagnostic testing and illness
  • Dental illness2
  • Breed-specific and genetic conditions
  • Cancer and chronic conditions
  • Alternative therapies3
  • Prosthetics and mobility aids1
  • Prescription drug coverage3

Curable conditions

Although pre-existing conditions are not covered by any pet insurance, this policy is unique in that it provides coverage for curable conditions if your pet is symptom- and treatment-free for 12 consecutive months.

How affordable is pet insurance?

You’re able to customize your pet’s coverage to fit your budget and your pet’s needs. You can choose your deductible amount, reimbursement rate and annual maximum.

Get special discounts

Active military personnel and those with prior military service are eligible for a 5% discount. Additionally, pet owners enjoy a 10% discount for each additional pet enrolled when registering two or more pets.

Generous reimbursement rate

Your reimbursement rate is the percentage of your pet’s covered vet bill that you’ll get back after meeting your annual deductible. Let’s say you choose a reimbursement rate of 80%. Your insurance plan reimburses 80% of the bill, and your portion is 20% after the deductible.  

No lifetime limit for reimbursement

There’s no limit to the amount we’ll reimburse you over the lifetime of your pet. The annual maximum amount that you choose will determine how much you’ll get back. 

Optional Wellness Rewards

Interested in a plan for routine, everyday care? Wellness Rewards is an optional preventive care plan that can be purchased in addition to your pet insurance. It helps you budget for your pet’s grooming, training and other everyday vet costs.4

How do I get pet insurance?

We’re here to help you get affordable coverage with the protection you need for your pet. You can start by getting an online quote. If you have any questions, call 800-643-6012 to speak with an Embrace representative.

Get a Pet Quote

Start Your Quote
or call 800-643-6012

Not available in California.
Dental illness coverage is not included on policies in NY.
Embrace covers alternative therapies for 12 weeks following a covered injury or illness. In some states, there is no time limit.
Wellness Rewards is a separate product from an accident and illness insurance policy. Therefore, wellness claims do not have a copayment, nor do they count toward the insurance deductible. Wellness Rewards is not available in RI.

Copyright 2005—2023 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. © 2023 American Modern Insurance Group, Inc.