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Embrace Pet Insurance's Year-End Review for 2025

As we step into 2026, Embrace Pet Insurance has provided captivating insights into pet ownership trends that have developed over the past year, reflecting society's changing values and priorities regarding animal care. At the heart of these findings is the familiar name, Luna, once again recognized as the most popular pet name for both dogs and cats, showcasing a blend of nostalgia and innovation in how pet owners are choosing names for their furry companions.

Pet Naming Trends: A Nostalgic Yet Evolving Landscape

Popular names such as Bella, Charlie, and Milo have continued their reign near the top. However, among the list of most common dog names, there's notable new entrants like Teddy, which replaced Coco, indicating a shift towards softer, more affectionate names that echo human naming trends. For cats, the rapid ascent of names like Mochi and Pepper, which replaced once-popular choices like Simba and Nala, points toward food-inspiration being a reliable theme in naming conventions.

Moreover, names reflecting human trends have infiltrated the pet naming scene more than ever before, with pets increasingly being named Olivia, Amelia, and Emma, aligning closely with the latest baby name fads across the nation.

Analyzing Breeds: Popularity, Declines, and Future Directions

The diversity in pet breeds remains rich, with mixed-breed dogs and domestic cats still holding the majority of insurance policies. The top insured dog breeds in 2025 included mixed-breed dogs, golden retrievers, and golden doodles, while domestic cats, Maine coons, and Siamese topped the insured cat breeds. However, shifts in preferences are revealed with a 49% increase in mixed-breed cat enrollments, signaling a move towards less reactive breeds in terms of health issues. In contrast, Bengal and Sphynx cat enrollments encountered substantial declines, suggesting a definitive shift in owner preferences.

Among dogs, certain breeds witnessed notable rises and falls, underscoring how dynamic pet ownership cultures can be. Staffordshire Bull Terriers surged in popularity, while American Bulldogs and West Highland Terriers faced declines.

Veterinary Claims: Rising Needs And Advanced Care

In a testament to the evolving landscape of pet health care, Embrace processed an impressive 1.09 million claims in 2025, reflecting how pet insurance is becoming essential for families. The vast majority—93%—of these claims were covered, underscoring how increasingly vital insurance has become for managing pet health care costs. The most frequent medical issues leading owners to seek veterinary care included diarrhea, vomiting, and ear infections, with the average cost for treatments indicating rising veterinary costs.

Newly emerging health concerns have seen astonishing rises in claims; for instance, pancreatic mass diagnoses skyrocketed by 330%, followed by malaise and spinal cord injuries. This rise does not indicate a deteriorating pet population but rather highlights advancements in veterinary diagnostics and an increased openness to seeking specialized care for pets.

Noteworthy Claims and Embrace’s Milestone Achievements

2025 marked a milestone for Embrace, achieving over $1 billion in claims paid out since its inception. The staggering amount paid reflects the growth in comprehensive care for insured pets. Notably, specific claims reached remarkable amounts, such as $40,392 for extensive gastrointestinal treatment for a Maine coon, emphasizing the importance of insurance.

Additionally, Embrace was recognized by J.D. Power for Outstanding Customer Service Experience, highlighting their commitment to quality customer support, setting a benchmark within the insurance industry.

A Shifting Paradigm for Pet Ownership

As president Scott Stice observed, the evolution of pet care over recent years has been remarkable. With pets living longer and facing advanced medical treatments, pet insurance has transitioned from a safety net to an essential part of everyday pet care. For many families, planning for a pet now includes insurance from day one, reflecting a shift toward acknowledging pets as valuable family members.

These insights from Embrace Pet Insurance's 2025 recap illustrate a landscape embracing change and advancement, ensuring that our beloved pets receive the best possible care.

To explore more about Embrace Pet Insurance, please visit their website at embracepetinsurance.com or call (800) EMBRACE.

About Embrace Pet Insurance

Embrace Pet Insurance is a leading provider of pet health insurance in the USA, offering flexible coverage options for both dogs and cats. As an active member of the North American Pet Health Insurance Association, Embrace is dedicated to improving the insurance experience for pet parents across the nation.