Cavalier King Charles Spaniel puppy sitting in grass

Why Embrace Pet Insurance is Important for Your Owners

Embrace offers one comprehensive accident and illness insurance policy that covers every hereditary and congenital condition. Other Embrace perks include:

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Money-back Guarantee
30-day money-back guarantee so pet owners can try Embrace risk-free.

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Giving Back for Every Policy Sold
We give back: for every policy sold, we donate $2 to a pet-related charity.

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Personalized Policies
A personalized policy to fit any budget – your owners pick their annual deductible, annual maximum, and reimbursement percentage.

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Behavioral & Preventable Condition Coverage
Coverage for behavioral and preventable conditions included at no extra charge.

Pet Health Line

24/7 Pet Health Line
24/7 pet health line for decision support about possible emergencies, diet, behavioral concerns, and more.

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Discount1 opportunities for up to 25% off of their insurance coverage.

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Wellness Rewards
Flexible Wellness Rewards2 plan can be purchased in addition to insurance for routine vet care, grooming, training, and much more.

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Healthy Pet Deductible
Annual deductible reduced $50 each year there isn’t a claim reimbursement with the Healthy Pet Deductible.

Common Questions From Breeders

What is a pre-existing condition?
A pre-existing condition is any injury, illness, or irregularity noticed by you or your veterinarian before the end of the waiting period, even if the pet never went to see the veterinarian for it. No pet insurance company covers pre-existing conditions. However, Embrace distinguishes between curable and incurable pre-existing conditions and covers curable conditions if pets remain symptom- and treatment-free for 12 consecutive months.

Is there a trial plan available?
While Embrace Pet Insurance does not currently have a trial plan, we offer a 30-day money-back guarantee as long as no claims have been reimbursed.

What are the waiting periods?
Dogs and cats have a 14-day waiting period for illnesses and a 2-day waiting period for accidents.

Dogs have a 6-month waiting period for orthopedic conditions, but this can be reduced by following the Orthopedic Exam and Waiver Process.

Can pets be insured while in the breeder’s care?
Puppies and kittens cannot be insured while with the breeder, they can only be insured after they are home with their owner.


Misadventures of a Labrador Retriever Pup

When Nicole B., veterinarian, picked up her dog Harry from the breeder, she purchased a policy from Embrace Pet Insurance. She was thankful she did just a few months later when he swallowed a sock that led to surgery, infection, and complications. More than $12,000 later, Dr. Nicole recommends Embrace to everyone.


Mind if we pay your vet bills?
1Discounts are subject to state regulations and may vary by state.   |   2Wellness Rewards is not available in RI.

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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.