Pet Insurance Overview

The Embrace pet insurance plan has you and your cat or dog covered for those unexpected accidents or illnesses.

Puppy and Dog Insurance
Kitten and Cat Insurance

Nose-to-tail Coverage

An Embrace policy provides you with top-notch coverage you can count on when you need it most.

The Embrace Plan
Personalized Policies
Discounts and Savings
What's Not Covered
Healthy Pet Deductible
Waiting Periods

Simply Great Pet Insurance

Our comprehensive coverage allows you and your vet to select the best course of treatment for your pet.

Breed-specific Conditions
Personalized Policies
Discounts Available


Embraced pets can visit any vet. Coverage includes:

  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Diagnostic testing & imaging
  • ER & specialist care
  • Surgery, hospitalization, & nursing care
  • Alternative therapies & rehabilitation
  • Prescription drugs
  • Behavioral therapy
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Frequently Asked Questions

Is my pet covered for life?

Yes. We will never drop your pet or reduce their coverage based on age, health status, or claims you’ve filed. Once you’re signed up, we do not cancel coverage for anything other than non-payment of premium.

Are vet exam fees covered?

Yes. Sometimes just walking into the vet’s office can cost you upwards of $100. Many pet insurance companies do not cover your vet’s exam fee. When a pet insurance company doesn’t cover the exam fee, it’s almost like paying an extra deductible on every single claim you file.

How much coverage do I need?

Only you can decide how much coverage you need. We typically recommend getting the highest coverage that you can comfortably afford.

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Copyright © 2005-2018 

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. © 2016 American Modern Insurance Group, Inc.