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Pet health insurance
Pets make our homes and lives so much better. And they're more than just pets—they're important members of your family. Pet health insurance can help you plan for these difficult times and care for your furry friend if they get sick or get hurt.
What is pet insurance?
Pet health insurance can help cover unexpected injuries and illnesses. It can help you pay for expensive vet bills when your pet is sick or hurt.
Pet insurance can help make care more affordable so you can keep your pet pal as healthy as possible and share a long and happy life together.
Why get pet insurance?
Caring for a pet can be expensive. If they get hurt or sick, the bills can add up quickly. Pet health insurance helps you manage unexpected costs and vet bills so you're financially protected if something happens to your pet.
How much does pet insurance cost?*
Prices vary depending on:
- Type of animal, including species
- Gender
- Age
- Breed
- Where you live
We can help you personalize your policy to fit your needs.
What does pet health insurance cover?*
Pet health insurance can cover many situations, including:
- Accidents
- Illnesses and injuries
- Hospitalization
- Surgery
- Nursing care
- Emergency and specialty care
- Breed-specific and genetic conditions
- Congenital conditions
- Chronic and recurring conditions
- Cancer treatment
- Behavioral therapy
- Laboratory and diagnostic tests, including X-rays and MRIs
- Prescription drugs
- Complementary therapies and rehabilitation
- Exam fees for covered conditions
- Dental illnesses
You may also be able to access other discounts or wellness plans.
Contact an agent today to learn more about pet health insurance coverage.
What isn't covered by pet health insurance?
Typically, there are some things that won't be covered under a pet health insurance policy. They might include:
- Pre-existing conditions, which are any illnesses, injuries, or irregularities noted by you or your vet before your pet's waiting period is over, even if your pet never went to see the vet for it
- Cosmetic procedures, such as tail docking, ear cropping, and dew claw removal (unless medically necessary)
- Any fees related to breeding, pregnancy, and whelping
- DNA testing or cloning
- Deliberate injury by you or anyone in your household
- Injury or illness from fighting, racing, cruelty, or neglect
- Avian flu or nuclear war
- Routine veterinary care (like wellness checkup exam fees—unless you add the optional wellness plan as listed above)
How do I apply for pet health insurance?
It's easy to apply for pet health insurance! Before you fill out an application, make sure you have some information on hand, including:
- Pet's name
- Species
- Gender
- Breed
- Age
- Your address
During the application process, you can choose from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be. Then you can choose how much of your vet bill you want reimbursed. The lower the percentage, typically the less your insurance payment will be. Finally, you can choose your annual maximum, or the most the plan will pay in a year.
After you enroll, the insurance company could request your pet's medical records from your veterinarian's office.
When will my pet be covered?*
Policies may have waiting periods before some coverage will begin. You may also have questions about how a pet may impact your home insurance or other coverage that may be available.
Your pet is part of your family. Give them all the love and protection they deserve with pet health insurance. Reach out to an agent to get a quote today and to get answers to all your questions.
Products, pricing, and availability vary based on the way you purchase insurance and by state. Exclusions may apply.
*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
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 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 Insurance Agency in the United States.
Wellness Rewards not available in RI.
Pet health insurance is offered in partnership with Fetch. Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. For more information, visit fetchpet.com.©️2026 Fetch, Inc. American Family Insurance is not responsible for the administration, underwriting, claims, or service of these policies. This information is for descriptive purposes only. Policy activation periods, risk-free cancellation terms, waiting periods, limitations, exclusions, and other terms and conditions vary by state and are subject to change. Please see your policy for full terms and conditions. In case of any conflict between this information and your policy, the policy provisions will prevail. Discount availability varies based on how you purchase insurance, may not be available in all states, and is not valid with any other offer. Exclusions apply.