How much does pet insurance cost?

The average cost of pet insurance in the US can vary significantly depending on factors such as your pet's breed, age, and the specific coverage you select. On average, Embrace offers affordable monthly premiums, typically ranging from approximately $10 to $30 for most cats and $20 to $70 for most dogs⁹. These averages provide a snapshot of what pet parents can expect, but keep in mind that your individual circumstances may result in slightly higher or lower costs. Get your exact price in about a minute with no commitment.

Whether to have pet insurance or not depends on your individual situation and your ability to cover unexpected vet bills. If you’re a pet parent who’s going to make sure your pet has the care they need but doesn’t have thousands of dollars to spend in an emergency, pet insurance might make sense for you. Pet insurance provides peace of mind and financial support during emergencies, ensuring your pet receives the care they need. It can be a valuable investment in your pet's health and your peace of mind.

Pet insurance typically covers a wide range of veterinary expenses, including accidents, illnesses, surgeries, and diagnostic tests. Prescription medication coverage is also available as an optional add-on. The specific coverage can vary between insurance providers and plans, so it's essential to review policy details.

Pet insurance means you can always afford top-notch care for your furry companion when accidents or illnesses happen, with no tough choices between your pet's health and your budget. Think about it: costly emergencies like a urinary bladder rupture can exceed $7,000, and hyperthermia treatment can top $3,500 per claim⁵. Pet insurance ensures you can provide the best care without hesitation, securing your furry friend's well-being and happiness.

Yes, most pet insurance plans provide the option to cover medications prescribed by a licensed veterinarian as part of the treatment for covered conditions. This can include medications for illnesses, injuries, or chronic conditions. However, coverage details may vary between policies, so it's essential to review the terms of your specific plan to understand the extent of medication coverage.

Your price isn’t plucked from thin air. Insurers weigh your pet’s species, breed, age, and even ZIP code, then layer on the coverage you choose—annual limit, deductible, and reimbursement percentage. That means you control a big slice of the final number: richer benefits cost a bit more, leaner coverage less. A quick quote shows exactly how each adjustment moves the dial.

Yes. Just like people, pets rack up more vet visits over time, so most providers—including Embrace—adjust rates annually to match that higher risk. The upside? You can tweak your deductible or reimbursement rate down the road to keep premiums manageable while still safeguarding your pet’s care.

We let you tailor the math to your budget. Pick an annual deductible from $100 to $1,000 and a reimbursement rate of 70%, 80%, or 90%. A higher deductible or lower payout trims the monthly premium, while lower deductibles and 90% reimbursement put more money back in your pocket at claim time.