Cat insurance

Embrace Pet Insurance follows a reimbursement-based model. That means that when you take your cat to the vet for an injury or illness, you pay the vet bill at the time of service and submit a claim for reimbursement. Because of this reimbursement-based model, you’re free to use any licensed vet you’d like. Like car insurance, most pet insurance plans have a deductible, annual or per-incident maximum, reimbursement percentage or copay, and waiting periods. Learn more about how pet insurance for cats works here.

Unlike health insurance for people, pet insurance companies like Embrace have no networks and let you choose your vet. You pay your vet directly, submit your claim, and Embrace will pay you back. You can visit any veterinarian, specialist, or emergency hospital you like.

Embrace Pet Insurance covers your cat for every unexpected accident, illness, and condition, plus associated costs including surgery, hospitalization, emergency care, specialist care, diagnostic testing, prescription drugs, treatments, and more. Coverage can vary from insurer to insurer, so it’s best to research and compare.

There are pet-based and policy-based factors that determine the cost of cat insurance. Pet-based factors include your cat’s breed, gender, age, and even where you live. Policy-based factors include the deductible, reimbursement percentage, and other variable elements of your policy that affect your costs. You can personalize parts of your policy to get the best plan for your cat’s needs and your budget. Learn more about our pricing options.

Cat insurance is for the unexpected, so for the most part, accident and illness policies don’t cover preventative or routine care costs. However, Embrace Pet Insurance offers Wellness Rewards – an optional, flexible preventative care plan for your cat that reimburses for everyday veterinary, training, grooming costs, and more. It works like a health savings account, helping you budget for your cat’s routine care expenses.

Embrace covers your cat’s dental illness up to $1,000 per policy year including tooth repair and extractions. You may also enroll in Embrace’s optional Wellness Rewards preventative care plan, which reimburses for teeth cleaning.

Companies and policies vary, but with Embrace Pet Insurance, you can adjust your cat health insurance policy at any time by downgrading your coverage, which could include lowering your reimbursement percentage and increasing your annual deductible, or upgrading to include enhanced coverage. By upgrading, your policy would be subject to re-underwriting which is basically like getting a new policy.

Spay and neuter surgery is preventative and not covered by insurance. However, it can be reimbursed through Embrace Pet Insurance’s Wellness Rewards preventative care plan, which can be added to your cat insurance policy.

Financial challenges happen, and that’s the reason cat insurance is worth it if you can find a way to fit premiums into your budget. It’s easier to find a small amount each month than thousands of dollars at once in an emergency. If you’re the type of person who would do anything to save your cat, it’s better to pay for even a basic policy to help get your pet the care they need.

No pet insurance company covers pre-existing conditions, but Embrace handles them a little differently. We distinguish between curable and incurable pre-existing conditions, allowing us to provide your pet with as much coverage as possible.