Embrace Pet Insurance insurance
- pet
Last verified 2026-09-30
Every statement below is drawn from the sources listed at the foot of the page, and each fact names the one it came from.
- Official website
- https://www.embracepetinsurance.com/Source:Embrace Pet Insuranceverified 2026-09-30
Overview
- First policy sold
- 2006Source:Embrace Pet Insuranceverified 2026-09-30
- Official website
- https://www.embracepetinsurance.com/Source:Embrace Pet Insuranceverified 2026-09-30
Products
- Insurance products
- pet
Source:Embrace Pet Insuranceverified 2026-09-30- Underwritten by
- American Modern Insurance Group, Inc. licensed insurers, including American Modern Home Insurance Company (d/b/a American Modern Insurance Company in CA) and American Southern Home Insurance Company; administered by Embrace Pet Insurance Agency, LLCSource:Embrace Pet Insuranceverified 2026-09-30
Where it is available
- States available
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Source:Embrace Pet Insuranceverified 2026-09-30
Coverage
- Coverage types
- Illnesses & Conditions
- Accidents & Injuries
- Dental Disease
Source:Embrace Pet Insuranceverified 2026-09-30- Reimbursement options
- Policyholder chooses a reimbursement level, up to 90% back on eligible vet billsSource:Embrace Pet Insuranceverified 2026-09-30
- Deductible options
- Annual deductible, chosen by the policyholderSource:Embrace Pet Insuranceverified 2026-09-30
- Waiting periods
- 14 days for illnesses
- Accident coverage begins on the policy effective date
- Orthopedic waiting period applies in some states and varies by state
Source:Embrace Pet Insuranceverified 2026-09-30- Pre-existing condition definition
- Any injury, illness, or irregularity noticed by the owner or veterinarian before the end of the waiting period, even if the pet was never seen by a veterinarian for itSource:Embrace Pet Insuranceverified 2026-09-30
Getting a quote
- How to get a quote
- online
- phone
Source:Embrace Pet Insuranceverified 2026-09-30
Claims
- How to file a claim
- website
- mobile app
- fax
- physical mail
Source:Embrace Pet Insuranceverified 2026-09-30
Customer service
- Customer service channels
- online account
- mobile app
- phone
- fax
- help center
Source:Embrace Pet Insuranceverified 2026-09-30
Limitations
- Notable limitations
- Pre-existing conditions
- Breeding, whelping, or pregnancy
- DNA testing or cloning
- Deliberate injury by you or anyone in your household
- Injury or illness from fighting, racing, cruelty, or neglect
- Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
- Avian flu or nuclear war
- Routine veterinary care (like wellness checkup exam fees)
Source:Embrace Pet Insuranceverified 2026-09-30
Financial strength
- Financial strength ratings
- A.M. Best rates American Modern A+ SuperiorSource:Embrace Pet Insuranceverified 2026-09-30
Compare
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Work the numbers
Tools for these insurance lines
Deterministic calculators with their method written out. None of them produce a quote.
- Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Open tool
- Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Open tool
- Pet insurance comparisonWaiting periods, age restrictions, reimbursement and deductible options for the pet insurers in our database, showing only what has been verified.Open tool
Evidence
Sources behind this page
Each fact above names one of these. The tier is where the document sits in our source hierarchy, and the retrieval date is when we last pulled the page.
Embrace Pet InsuranceTier 2 · The company itself
Pet Insurance You Can Use at Any Licensed VetRetrieved 2026-09-29
Embrace Pet InsuranceTier 2 · The company itself
Embrace Policy Terms & ConditionsRetrieved 2026-09-29