Curable conditions
Treatment is covered for eligible conditions if your pet has been symptom-free.
Pet insurance the Amica way
Get pet insurance that protects your furry family members.
Return the love with pet insurance
Pet insurance helps you manage your pet’s unexpected vet costs — and even routine wellness expenses. Just as you want the best health insurance for your human family members, your furry family members shouldn’t be any different.
The right coverage makes all the difference
Amica has partnered with Embrace Pet Insurance – a trusted expert when it comes to tailoring protection for your beloved pet.
What does pet insurance cover?
Pet insurance can cover many facets of vet care for your dogs, cats, and even birds, with plans that fit your budget.
- Emergency and specialist vet care, including surgery
- Diagnostic testing and illness
- Dental issues
- Breed-specific and genetic conditions
- Cancer and chronic conditions
- Prosthetics and mobility aids
Save on your pet insurance
There are more ways to save on your pet’s policy.1
More paws discount
Get a 10% discount with two or more registered pets.1
Military discount
Active and former military personnel get a 5% discount.1
AutoPay
Set up automatic payments for your premiums and save.1
How does pet insurance work?
After an emergency trip to the vet, pet insurance is there to help you out.
Pay for your vet visit
Take your pet to a licensed vet of your choice and get them taken care of.
Submit your claim
Embrace handles claims directly and streamlines the process.
Get reimbursed
After your claim is approved, you’ll be reimbursed up to 90%.
Pet insurance FAQs
The cost of pet insurance usually depends on factors like your pet’s age and breed. It also varies based on the coverages you choose, your reimbursement level, annual limit and deductible you select during enrollment.
Pet insurance can be a smart investment. Your pet may be young and healthy now, but as they age, the chances of health issues increase. Having pet insurance provides financial security and helps ensure your four-legged family members receive the best care when they need it most.
Any symptoms or conditions that your pet exhibits before the policy’s waiting periods are up will be considered a pre-existing condition.
Pet insurance can cover a variety of health needs for your pet, but there are some exclusions to keep in mind, such as cosmetic or elective procedures, breeding and pregnancy, and prescription food.
A dog or cat owned by you or a family member.
There’s more to learn about pet insurance
Is Pet Insurance Worth It?
Bringing Home a New Pet? Here Are the Costs to Expect
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Discounts not available in all states and may vary.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
AMIC-04-051527