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Only GapOnly® ready policies process your pet insurance claim while you're still at the vet. You simply pay the gap (the difference between the vet's. Annual Deductible: This is the Embrace way. You pay this once a year, no matter how many times your pet sees the vet. It's straightforward and easy to budget. Pet insurance can help you with the costs of veterinary care when your pet gets hurt or sick. With customizable features, there's a plan for every budget. As low as $6/month for cats and $9/month for dogs in most states. Designed for those on a limited budget who want great coverage for accidents like broken legs.