Embrace Pet Insurance
Copyright © 2015-2023

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. © 2021 American Modern Insurance Group, Inc.

Waiting Periods: All polices have a 14-day illness waiting period. Other waiting periods and exclusions vary by state. Check your policy or click here for details.

^*Wellness Rewards is not available in RI.

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Safeguard Your MVP with Head-to-Tail Coverage

Put your Most Valuable Pet in the game with 10% off your accident and illness policy with Embrace Pet Insurance.

Score 10% Off Your Policy

What’s Covered

Embrace Pet Insurance offers extensive coverage* for your pets, protecting them while alleviating the burden of increasing veterinary expenses. Our policies provide peace of mind, allowing you to prioritize your pet's health without the financial stress of rising healthcare costs.

Accidents

Injury-related vet visits, including broken bones, foreign body ingestion, poisoning, torn ligaments, and other related emergencies.

Preventable Conditions

Lyme disease, parasites, parvo, and other illnesses that may have been prevented are still covered.

Chronic Conditions

Long-term illnesses or injuries like arthritis or diabetes; no per-condition limits and coverage continues when you renew.

Illnesses

Sickness-related vet visits, including but not limited to allergies, ear infections, cancer, cough, or vomiting.

Emergency Care

Pets are covered at any emergency vet clinic, including after-hours.

Breed-specific, congenital & genetic conditions

Conditions a pet is born with or due to a gene defect, such as hip dysplasia, allergies, intervertebral disc disease (IVDD), and others.

*We cover a lot, but pre-existing conditions are not covered.

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How your money gets back to you

Visit any vet

Take your pet to any veterinarian and pay your bill there.

Submit a claim stress-free

Submit your vet visit info via the MyEmbrace mobile app.

Get paid fast

Claims are processed in just 10-15 days. Get paid by check or direct deposit once your pet health insurance claim is approved.

Rated 4.4/5 Stars on Trustpilot

“Embrace saved Bella’s life and made it possible to give her the life she and every animal deserves!”

Alika | Bella’s Pet Parent

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“...Hank tore his ACL going out for a touchdown fetch! Embrace made his surgery & recovery possible...”

Jess – Reimbursed $5,731

Score 10% Off Your Policy

“...Hank tore his ACL going out for a touchdown fetch! Embrace made his surgery & recovery possible...”

Jess – Reimbursed $5,731

Discover Wellness Rewards

Wellness Rewards is our flexible and optional plan designed to assist you in budgeting for your pet’s routine and preventative care. You can choose from three reimbursement options and use your plan for services such as:

Grooming

Training

Deworming

Microchipping