Pet Insurance

Protect your furry family with pet insurance

Secure insurance for your pets for peace of mind

Your pets are family, which is why you want to protect them. With pet insurance, you can rest well knowing they're covered for certain unexpected events, with additional coverage options available for annual exams and wellness care. Show your furry family some love with the protection they deserve.

Benefits of Pet Insurance

Take care of your four-legged family members

Get to the vet, no matter where you are

Pet insurance is health insurance for pets. It provides access to general, specialist and emergency vets worldwide.

File minimal paperwork

Get reimbursed quickly and seamlessly with minimal paperwork involved.

Get a discount

Pet insurance policy discounts may be available for military personnel, multiple pets, and spayed or neutered pets.

Pet Insurance FAQ

People often ask us

Pet insurance, also known as pet health insurance, is a type of plan an owner purchases in order to cover medical expenses for their pets. The owner often will pay a monthly or annual fee and then get reimbursed for paid medical expenses incurred during a vet visit.

Most pet insurance plans are based on a reimbursement method, where you pay the veterinarian directly and then submit your claim, then the insurance provider pays you back. Because it works this way, you can choose any veterinarian, specialist or emergency hospital you want.

The coverage you get for pet insurance depends on the type of plan you choose. You could opt for a policy that covers you in case of an emergency, or you could add on optional coverage that covers some or all of the costs of maintenance and wellness care for your pet.

The pet insurance quotes you receive will depend on a variety of factors, including the pet's type, breed and age and the type of coverage requested. You can upgrade or downgrade your coverage at any time.

The deductible is the amount you're responsible for before reimbursements start. Like most other types of insurance, you're responsible for part of the cost. Some pet insurance deductibles are annual, including our provider's, which means you only have to meet your deductible once per policy term—not every vet visit, or once for every different type of condition, which is how other pet insurance deductibles are sometimes structured.

Items that can be reimbursed through Wellness Rewards include but aren't limited to:

  • Wellness exams
  • Vaccinations and titers
  • Flea, tick and heartworm medication
  • Spay and neuter surgery
  • Fecal exams
  • Routine blood tests
  • Microchipping
  • Umbilical hernia repair
  • Gastropexy
  • Toenail trimming
  • Routine anal gland expression
  • Routine chiropractic care, reiki, massage therapy and acupuncture
  • Teeth cleaning and dental illness
  • Prescription diet food purchased at your veterinarian
  • OFA and PennHIP exams, as well as X-rays
  • Nutritional supplements
  • Medicated shampoos
  • Behavioral, obedience and specialty training
  • Pet activity monitors
  • Grooming
  • Cremation and burial

Unlike human health insurance, pet insurance has no networks. Because it works based on a reimbursement method, you pay the vet directly and submit your claim, then the provider will pay you back. You can visit any veterinarian, specialist or emergency hospital you want.

You can downgrade your coverage at any time. Downgrading your coverage means anything that gives you less coverage. This could include lowering your annual maximum, lowering your reimbursement rate or increasing your deductible. You can also upgrade your coverage at any time. However, your policy would be subject to re-underwriting, which is basically like getting a new policy.

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 dba in CA as American Modern Insurance Company (License 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.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Bank & Trust Co., CA Agency License #OH380006.

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