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Embrace pet insurance offers customizable accident-and-illness plans for cats and dogs. Once you enroll your pet, the coverage is locked in—the company says it won’t drop or change your policy because of your pet’s age or health. A standout feature is the Healthy Pet Deductible, which automatically reduces your annual deductible by $50 for each claim‑free year (subject to program maximums; see Embrace’s deductible guide). You can also add Wellness Rewards, which Embrace positions as a non‑insurance budgeting add‑on with set annual allowances for routine care such as wellness exams, vaccinations, flea/heartworm prevention, training, and grooming. Embrace distinguishes curable from incurable preexisting conditions—curable issues may be reconsidered for coverage after 12 months symptom- and treatment‑free per its policy page. Waiting periods apply for accidents and illnesses, and an orthopedic waiting period may apply for dogs; details vary by state and are outlined on Embrace’s coverage page. State regulators have increased disclosure requirements around preexisting conditions and waiting periods following the NAIC Pet Insurance Model Act.
Embrace has an A+ rating with the Better Business Bureau (BBB). Policies are underwritten by American Modern Insurance Group (a Munich Re company). American Modern carries an A.M. Best Financial Strength Rating of A+ (Superior); see Embrace’s underwriter disclosure, American Modern, and the A.M. Best ratings search. For parent context, Munich Re reports S&P AA- and Moody’s Aa3 on its ratings page. Customer satisfaction in pet insurance is heavily influenced by claims experience and communications per the J.D. Power 2024 U.S. Pet Insurance Study.
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The Pet Insurance Factors We Analyzed
Pricing
Premiums vary by pet age/breed, location, and your chosen annual limit, deductible, and reimbursement level. Market-wide averages from the North American Pet Health Insurance Association show Accident & Illness premiums averaging about $676.61/year for dogs (~$56.38/month) and $383.30/year for cats (~$31.94/month). Accident-only averages are ~$204.26/year for dogs (~$17.02/month) and ~$116.43/year for cats (~$9.70/month) (NAPHIA 2024). These averages have risen in part due to veterinary cost inflation, as the U.S. Bureau of Labor Statistics’ veterinary services CPI has posted persistent year-over-year increases (BLS CPI: Veterinary services). Embrace’s Healthy Pet Deductible can reduce out-of-pocket costs over time if you remain claim-free (automatic $50 reduction per claim‑free year, up to program limits), and reimbursement levels can be selected up to 90% (subject to state filings and eligibility)—see Embrace’s deductible guide.
Discounts commonly available in 2025 include multi‑pet (typically 5–10%), employer/affinity (up to ~10%), military (~5%), annual‑pay (around 5%), and bundle discounts where offered. Embrace lists 10% multi‑pet (5% in some states), 5% military, and up to 10% employee‑benefit savings (Embrace discounts). Examples across the market: Lemonade advertises up to 20% in combined savings (10% bundle, 5% multi‑pet, 5% annual pay); Nationwide often offers 5% for 2–3 pets and 10% for 4+ (by state/plan); Spot offers 10% on each additional pet; and ASPCA Pet Health Insurance lists a 10% multi‑pet discount. Eligibility, stacking rules, and state availability vary by insurer.
Customer experience
Embrace provides online quote, policy management, and digital claims submission/tracking; customers can also reach service via multiple channels. Industry-wide, 24/7 access to claim submission/status and urgent support is becoming standard, with leaders layering in omnichannel messaging and AI to speed routine tasks (Zendesk CX Trends 2025; Salesforce State of Service 2024). J.D. Power identifies claims experience and clear communications as the strongest drivers of satisfaction in its 2024 U.S. Pet Insurance Study. One notable differentiator across brands is how claims are paid: Embrace operates on a reimbursement model (you pay the vet, then get reimbursed), while competitors like Trupanion offer point‑of‑care direct payments at participating clinics via Vet Direct Pay, which can reduce large out‑of‑pocket expenses. Many carriers also bundle a 24/7 vet helpline for triage; for example, MetLife advertises a 24/7 veterinary helpline benefit.
Coverage
The Embrace website touts “nose-to-tail” coverage for your pet. Core accident-and-illness coverage includes exam fees for covered conditions, hereditary and chronic conditions, cancer, diagnostic testing, hospitalization and surgery, prescription medications, behavioral therapy, and rehabilitation/alternative therapies; dental illness is included with policy sublimits (Embrace coverage). As with all pet insurers, preexisting conditions are excluded; however, Embrace distinguishes curable conditions and may cover them once your pet has been symptom‑ and treatment‑free for 12 months per its preexisting conditions page. Waiting periods apply (accidents/illnesses and orthopedic for dogs), and some products impose maximum enrollment ages for illness coverage; accident‑only coverage can be an option for older pets. Regulators emphasize clear disclosures for these items under the NAIC Pet Insurance Model Act and related state laws; see NAIC’s consumer guidance on pet insurance for what to review before buying.
Embrace’s optional Wellness Rewards is not insurance; it’s a budgeting add‑on with defined annual allowances that reimburses routine care (for example, wellness exams, vaccines, parasite preventives, microchipping, spay/neuter, training, and grooming) up to the selected allowance. Because it is separate from medical insurance, changing your wellness selection does not alter the core accident‑and‑illness coverage terms.
Another important thing to note is that coverage doesn’t reduce or cancel as your pet ages or if their health declines once enrolled; Embrace communicates that policies remain renewable, subject to policy terms, waiting periods, and exclusions (coverage FAQs). Always review your sample policy and state‑specific forms for details.
Embrace Pet Insurance Overview: Financial Strength, Availability, and History
Embrace pet insurance distributes policies that are underwritten by companies within American Modern Insurance Group (a Munich Re company). American Modern holds an A.M. Best Financial Strength Rating of A+ (Superior)—see Embrace’s underwriter page, American Modern, and A.M. Best. Munich Re publishes group ratings (S&P AA-, Moody’s Aa3, A.M. Best A+) on its investor page, providing additional context on capital strength.
- In business since: Embrace operates as an agency/MGA; policies are underwritten by American Modern Insurance Group (a Munich Re company)
- BBB Rating: A+
- AM Best Financial Strength Rating: A+ (for the underwriter, American Modern Insurance Group)
- States served: 50
The Competition
| States Available | 24/7 Claims Service | Wellness Coverage* | |
| Embrace | 50 | Yes | Yes |
| Figo Pet Insurance | 50 | Yes | No |
| Healthy Paws | 50 | No | No |
| Nationwide | 50 | Yes | Yes |
| 24 Pet Watch | 50 | Yes | Yes |
| Trupanion | 50 | Yes | No |
*Coverage for routine care like vaccinations, flea/heartworm prevention, etc. Wellness add-ons are typically non-insurance memberships with defined annual allowances; availability varies by brand and state.
All information accurate as of 2025. Sources and examples: NAPHIA; Trupanion Vet Direct Pay; carrier websites for benefits and discounts (Lemonade, Nationwide, Spot, ASPCA Pet Health Insurance).
The Bottom Line
Embrace delivers broad accident-and-illness coverage with uncommon flexibility: you can tune annual limits, reimbursement percentages, and deductibles, and the Healthy Pet Deductible can lower your deductible by $50 for each claim‑free year (subject to program caps). In today’s market—where average A&I premiums are about $56/month for dogs and $32/month for cats (NAPHIA 2024) and veterinary prices continue to rise (BLS veterinary CPI)—those levers can help manage budget. Discounts such as multi‑pet, military, and employee‑benefit savings (Embrace discounts) may further reduce costs for eligible customers.
Coverage is comprehensive, and Wellness Rewards offers a non‑insurance way to budget for routine care. Note that Embrace reimburses you after you pay the vet; some competitors provide direct pay to clinics, which can reduce point‑of‑care out‑of‑pocket costs (example). Regulatory updates under the NAIC Pet Insurance Model Act mean clearer disclosures about preexisting conditions, waiting periods, and wellness plans—review these carefully before you buy. To find your exact price and terms, get a personalized quote and read the state‑specific sample policy from Embrace.
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