---
title: Embrace Pet Insurance Policy Terms &amp; Conditions
description: Download a copy of the Embrace Terms & Conditions for your pet health insurance policy.
lastUpdated: 2025-10-02T19:06:14.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/embrace-terms
  md: https://www.embracepetinsurance.com/coverage/embrace-terms.md
---

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# Embrace Policy Terms & Conditions

We believe in being open, honest, and transparent. That's why the Embrace Policy Terms & Conditions are easily accessible, so you can review them before you buy.



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## Policy Details

Your pet's eligibility for an Embrace Pet Insurance plan can be determined only after being underwritten online or over the phone. All new and renewal policies are issued by [American Modern Insurance Group](https://www.amig.com/). A.M. Best Company rates American Modern A+ Superior. The A.M. Best Financial Strength Ratings Scale ranges from: Superior (A++, A+), Excellent (A, A-), Good (B++, B+), Fair (B, B-), Marginal (C++, C+), Weak (C, C-), to Poor (D).

**Please Note:** These are sample policy documents for new policies only. **Current Policyholders** can refer to their terms and conditions through their [MyEmbrace](https://my.embracepetinsurance.com/) account online or in the Embrace Pet Insurance mobile app ([Google Play Store](https://play.google.com/store/apps/details?id=com.embracepetinsurance.embracepetinsurance) or [Apple App Store](https://apps.apple.com/us/app/embrace-pet-insurance/id1446529885)).



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