Pet Insurance
Keeping the furriest members of your family healthy and protected
It’s scary when our pets get suddenly sick or accidentally hurt. It can be even harder when their costly medical bills add up and your savings take a hit. That's why we’ve partnered with Embrace Pet Insurance to help protect your furry family members when the unexpected happens.
Pet insurance helps you manage your pets' unexpected vet costs. Just as you want the best health insurance for your human family members, your furry family members shouldn’t be any different.
Tailor your pet insurance coverage
You’re able to customize your pets’ coverage to fit your budget and their needs. You can choose your deductible amount, reimbursement rate and annual maximum. Your reimbursement rate is the percentage of your pet’s covered vet bill that you’ll get back after meeting your annual deductible.
Included coverage
- Emergency and specialist vet care, including surgery
- Diagnostic testing and illness
- Dental illness1
- Breed-specific and genetic conditions
- Cancer and chronic conditions
- Complementary therapies
- Prosthetics and mobility aids
- Prescription and exam-fee coverage available
Curable conditions
Although pre-existing conditions aren’t covered by most pet insurance policies, this policy provides coverage for eligible curable conditions if your pet is symptom- and treatment-free for 12 consecutive months.
Lifetime coverage
Your pet is covered for life – they’ll never be dropped for their age, health or number of claims you submit.
Accident-only insurance
Accident-only pet insurance provides senior pets coverage for accidents and prescription drugs.
Add-on preventive care
Interested in a plan for routine, everyday care? Wellness Rewards is an optional preventive care plan that can be purchased in addition to your pet insurance. It helps you budget for your pet’s grooming, training and other everyday vet costs.2
How does pet insurance work?
Did your dog swallow something they shouldn't have, or maybe your cat got something stuck in their paw? Both could mean a trip to the vet, and that's where pet insurance comes in. Filing a claim is simple:
- Pay for your vet visit: Unlike human medical insurance, there are no networks – you’re free to take your pets to any licensed vet, anywhere in the U.S.
- Submit your claim: Embrace handles claims directly, streamlining the process so you can spend less time on paperwork and more time with your pet.
- Get reimbursed: Pet insurance reimburses you up to 90% on covered medical bills once your claim is approved.
Unlock savings with pet insurance discounts
Taking care of your furry companions should be both affordable and rewarding. With savings on your policy, you can ensure your pet gets the best care while keeping costs manageable. Here are a few discounts you may be eligible for:
Two or more pets
Pet owners enjoy a one-time 10% discount when registering two or more pets.
Military personnel
Active military personnel and those with prior military service are eligible for a 5% discount.
AutoPay
Receive a discount when you opt to pay your pet insurance policy premium using automatic deductions.
Why choose Amica?
The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.
Exceptional value
Our approach to pet insurance focuses on you and your furry family members. We provide customized coverage ensuring your pets are well protected. With access to a variety of discounts and rewards programs, you have the potential to lower your rates without sacrificing the quality of your coverage, giving your pets the care and support they deserve.
Quality service
We’re here for you, ready to assist with policy management, claims processing and more. Our dedicated support team has a long history of customer satisfaction, uwhich means you can expect assistance from knowledgeable representatives who understand your individual needs. Whether it's paying your bill or providing guidance on coverage options, Amica aims to deliver exceptional service at every touchpoint.
Reliable protection
We understand how important your pet is. That’s why reliability and swift claims resolution are our top priority. We strive to minimize disruptions so you can get back to enjoying life with your four-legged family members. Amica policyholders have access to a convenient online portal or the mobile app where they can easily manage their claims. Our policyholders also enjoy advanced tools and resources, ensuring a seamless and hassle-free insurance experience.
Common questions about pet insurance
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.
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 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.
Any symptoms or conditions that your pet exhibits before the policy's waiting periods are up will be considered a pre-existing condition.
A dog or cat owned by you or a family member.
Related insurance coverages
Make sure you're prepared for life's uncertainties by having the right insurance coverages in place:
Customer service that earns loyalty
Empathy isn't just a word – it's woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.
1 $1,000 annual sublimit on dental illness.
2 Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. (c) 2024 American Modern Insurance Group, Inc.
Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Home 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. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embrace-terms.
Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.