As of today, Embrace is selling American Modern Home Insurance Company pet insurance policies in 38 states (see the list on the Embrace's Underwriter page). We are in the process of rolling out all 51 jurisdicitions we work in, so if your state isn't on the list, it will be very soon.

Why are we changing insurance underwriters?
The usual thing that comes to mind when you hear a company changing underwriters is that something has gone amiss with the partnership between the pet insurance program and the underwriter; however, in the case of Embrace Pet Insurance leaving RLI, quite the opposite is true.

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George michael freedom Another step in the move to RLI - Embrace Pet Insurance policies in NY will move from the RLI Mt Hawley surplus lines terms and conditions to the RLI admitted paper effective today, January 31st.

I know - it's a bunch of insurance hooey, but what it means is no more upfront taxes and no more signing unintelligble insurance forms when you start your policy. In other words, no more bureaucracy.

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RLI logo

Big progress in the move to RLI... 

If you recall, Embrace Pet Insurance is in the process of moving underwriters from Lloyd's of London to RLI Corp, an A+ AM Best rated company based in Peoria IL.

We have already moved 35 states over to RLI but, as of today, we have added 12 more states to the list:

AK, GA, HI, ID, LA, MD, NH, ND, SC, VT and WV

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RLI logo

Continued progress in the move to RLI! 

If you recall, Embrace Pet Insurance is in the process of moving underwriters from Lloyd's of London to RLI Corp, an A+ AM Best rated company based in Peoria IL.

Previously, we moved 23 states over to RLI but, as of today, we have added 12 more states to the list:

CA, CT, DE, MO, NV, NM, NC, OK, RI, TN, VA and WY

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Note that this post has been updated for Dec 31st 2010 conversion date.

No more sublimit on the Embrace continuing care benefit 
(see Embrace has a new insurance partner - A+ rated RLI Corp).

Yesterday, I talked about cleaning up some niggling things about the Embrace Pet Insurance product, specifically the Embrace dental illness coverage.

Today, we talk about the old Embrace continuing care sublimit of 25% of the annual limit in the second year of the condition.

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PennHIP Embrace has always been proud to be one of the very few companies that covers hip dysplasia, but now, as part of our move to RLI as our new insurance underwriter, we’re excited to offer a 5% discount as an additional incentive for pet parents that utilize the PennHIP (University of Pennsylvania Hip Improvement Program) test.

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RLI logo As you may know, we have a new partnership with RLI Corp who is underwriting the Embrace Pet Insurance policies in certain states at present (for an up-to-date list, see the Embrace Pet Insurance website.)

As part of that transition, we have updated the Embrace Pet Insurance terms and conditions. I have summarized the RLI differences below - I think you will find these to your liking.

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RLI logo

Drum roll please - a big moment for Embrace...

As of today, Embrace is selling RLI Corporation pet insurance policies in 23 states (see the list at the bottom of the post). We are in the process of rolling out all 51 jurisdicitions we work in, so if your state isn't in the list below, it will be soon.

Why are we changing insurance underwriters?
Our current underwriter, Lloyd's of London, has been wonderful for Embrace but we have outgrown them here in the US. This is not a surprise and we knew it was going to happen at some point and now the time has come.

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