Terms & Conditions

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, an A+ Superior rated company.

Please refer to your specific policy documents as terms and conditions vary by state.


* AZ new policies & renewals after September 1, 2017. GA, LA, ME, MI, WI new policies & renewals after October 15, 2017. DC, IN, MN, OH, TX new policies & renewals after December 15, 2017. NC, PA, TN new policies & renewals after January 17, 2018. AK & AL new policies & renewals after 2/14/18. IA, KY, NM, UT new policies & renewals after 3/21/2018.