Pet Health Insurance

Pet Insurance

Pet insurance protects your dog or cat against costly accidents and illnesses by reimbursing you up to 90% for covered bills at any vet, specialist, or emergency clinic.


With pet insurance, you never have to choose between an expensive treatment and your pet’s life. Protect your four-legged family member with a custom pet insurance plan today.


You can customize a full coverage plan that meets your needs. A full coverage plan means that all accidents and illnesses are covered, except those that are pre-existing.


American Modern is a proud partner and underwriter for Embrace Pet Insurance.


Embrace Pet Insurance Covers:

  • Accidents & Illnesses
  • Genetic & Breed-specific Conditions
  • Wellness & Routine Care (optional coverage)
  • Cancer Treatment
  • Chronic Conditions
  • Alternative Therapies & Rehab
  • Diagnostic testing and imaging (e.g. X-ray, ultrasound, MRI)
  • ER & specialist care
  • Dental Illness (up to $1,000 per policy year)
  • Prescription Medication (optional coverage)
  • Vet exam fees (some companies do not cover this)

Embrace Pet Insurance will not pay for:

  • Cosmetic, elective or preventative procedures such as de-worming, tail docking, ear cropping, and declawing (except where
    medically necessary)
  • Pregnancy, breeding or whelping
  • Cremation and burial
  • Pre-existing conditions

Unique Policy Features

Healthy Pet Deductible: reduces your deductible by $50 each year you don’t receive a claim reimbursement. This perk is included with all policies and is only available through Embrace Pet Insurance.


MyEmbrace Customer Account: Check on claims and manage your policy when it’s convenient for you with your MyEmbrace account online or in the Embrace Pet Insurance app.


24/7 Pet Health Line through PawSupport: Embrace pet parents have free, instant access to the Pet Pros at PawSupport via phone and chat 24/7. PawSupport provides real-time decision support for pet concerns such as diet, behavioural issues, medication concerns and more.


What it Costs

Pet insurance prices vary based on the pet’s species, breed, sex, age, and location. On average you can expect to pay $35-$50/per month for dogs and $15-$30 per month for cats.


You can adjust your pet’s policy to fit your budget by customizing the annual deductible, reimbursement percentage, and annual limit. There are also discounts available for insuring multiple pets and active/former military.


Why You Need It

Every year more than 1 in 3 pets falls ill or is injured. Many are not prepared financially to afford the level of care that modern veterinary medicine provides.


Dogs and cats are susceptible to many accidents and illnesses including muscle strains, lacerations, puncture wounds, car accidents, animal attacks, infections, heat stroke and more.

Pet health insurance is administered by Embrace Pet Health 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 Health Pet Insurance Agency in the United States and is not available in Rhode Island.

Learn More

Pre-existing conditions explained...

Pet love Keep reading   

Need Emergency Roadside Assistance


New Roadside Assistance vendor- Agero
Effective May 1, 2023
866-877-9095 (new)