Brown Pit Bull hugged by owner

Adopted Pets Deserve Embrace

Like you, we have a sweet spot for rescued pets. Embrace offers one comprehensive accident and illness insurance policy that covers dogs and cats from nose to tail – but that’s not all. Other Embrace purrks 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.

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Medical History Review
Free medical history reviews so pet parents know up front if there are pre-existing conditions.

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Sponsorships & Events
Sponsorship & event support for good causes locally and nationally.

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.
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Common Questions from our Rescue and Shelter Partners

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 shelter?
Pets cannot be insured while in the care of the shelter, they can only be insured after adoption.

Baron Claim Story

This Rescued Pet Got a Second Leash on Life

When rescued Pit Bull Mix Baron began limping, his pet parents took him to a specialty orthopedic surgeon. Two surgeries and nearly $7,000 later, they were thankful they enrolled Baron in an Embrace Pet Insurance policy.

Rescue Claim Story

1Discounts are subject to state regulations and may vary by state. | 2Wellness Rewards is not available in RI.
3Discount not available in FL, HI, ND, & RI. Discount is 5% in TN.
Mind if we pay your vet bills?

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.