Embrace Pet Insurance Agency, LLC
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Carrier/structure: - Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by insurers in the American Modern Insurance Group (e.g., American Modern Home Insurance Company, American Southern Home Insurance Company). Policies are for companion dogs and cats only; no other species indicated. ([embracepetinsurance.com](https://www.embracepetinsurance.com/about-us/underwriting?utm_source=openai)) Preferred / target business: - Companion dogs and cats with recent veterinary care (each pet must have had a vet visit within the past 12 months or during the initial waiting period). - Risks seeking accident & illness reimbursement coverage with optional wellness budgeting features, using any licensed veterinarian, specialist, or ER in the U.S. (no provider network restrictions). ([vcmbenefits.com](https://vcmbenefits.com/wp-content/uploads/2023/03/Embrace-Pet-Insurance-FAQS.pdf?utm_source=openai)) Key eligibility & coverage structure: - Species: Dogs and cats only; marketed to U.S. pet owners nationally. - Coverage form: Reimbursement policy; pet owner pays the vet and submits claims (online, email, fax, or app upload) for covered services. - Vet exam requirement: Each insured pet must have a veterinary exam within the previous 12 months. New pets or pets without a recent exam can be seen during the waiting period without loss of coverage, but any condition noted before the end of the waiting period is treated as pre‑existing. ([vcmbenefits.com](https://vcmbenefits.com/wp-content/uploads/2023/03/Embrace-Pet-Insurance-FAQS.pdf?utm_source=openai)) Waiting periods (may vary by state; producers should confirm state-specific forms): - Accidents: Standard 2‑day waiting period from policy effective date. - Illnesses: Standard 14‑day waiting period from policy effective date. - Orthopedic conditions (dogs only): Default 6‑month waiting period; can be reduced to 14 days if the veterinarian completes Embrace’s orthopedic exam and "orthopedic report card" after enrollment (state variation applies). Conditions that first occur or show signs before or during the applicable waiting period are treated as pre‑existing and not covered. ([vcmbenefits.com](https://vcmbenefits.com/wp-content/uploads/2023/03/Embrace-Pet-Insurance-FAQS.pdf?utm_source=openai)) Major exclusions / declined exposure characteristics: - Pre‑existing conditions: Any injury, illness, or clinical irregularity noticed by the policyholder or veterinarian prior to the end of the applicable waiting period, regardless of whether the pet was seen specifically for that issue, are excluded for the life of the policy unless specifically waived by endorsement. No coverage for pre‑existing conditions; this is repeatedly emphasized. ([vcmbenefits.com](https://vcmbenefits.com/wp-content/uploads/2023/03/Embrace-Pet-Insurance-FAQS.pdf?utm_source=openai)) - Routine & wellness: Routine or preventive care is not covered under the core accident & illness policy; such expenses fall under the optional Wellness Rewards budgeting feature where available. ([mycityofakronbenefits.com](https://mycityofakronbenefits.com/wp-content/uploads/2022/05/Embrace-Pet-Insurance-FAQs.pdf?utm_source=openai)) - Breeding-related: Costs related to breeding, whelping, pregnancy, or reproduction are excluded unless otherwise stated in state-specific forms. ([mycityofakronbenefits.com](https://mycityofakronbenefits.com/wp-content/uploads/2022/05/Embrace-Pet-Insurance-FAQs.pdf?utm_source=openai)) - Intentional or high‑hazard activities: No coverage for injury caused deliberately by the pet parent or anyone in the household, or injuries/illnesses arising from fighting, racing, cruelty, or neglect. ([mycityofakronbenefits.com](https://mycityofakronbenefits.com/wp-content/uploads/2022/05/Embrace-Pet-Insurance-FAQs.pdf?utm_source=openai)) - Elective / cosmetic procedures: Cosmetic procedures (tail docking, ear cropping, dew‑claw removal) are generally excluded unless medically necessary, in which case they may be covered under standard policy terms. ([vcmbenefits.com](https://vcmbenefits.com/wp-content/uploads/2023/03/Embrace-Pet-Insurance-FAQS.pdf?utm_source=openai)) - Experimental or non‑standard care: DNA testing, cloning, and stem cell therapy that is not deemed medically necessary are excluded. ([mycityofakronbenefits.com](https://mycityofakronbenefits.com/wp-content/uploads/2022/05/Embrace-Pet-Insurance-FAQs.pdf?utm_source=openai)) - Extreme perils: Avian flu and nuclear war are specifically listed as excluded causes of loss. ([mycityofakronbenefits.com](https://mycityofakronbenefits.com/wp-content/uploads/2022/05/Embrace-Pet-Insurance-FAQs.pdf?utm_source=openai)) Geographic & underwriting notes: - Marketing and underwriting are oriented to the United States; policies are written by licensed American Modern Insurance Group carriers on a state‑by‑state basis. State filing differences can affect waiting periods, covered services (e.g., some dental illness coverage), and specific exclusions; producers should always reference the state‑specific policy terms and conditions for final eligibility and coverage details. ([embracepetinsurance.com](https://www.embracepetinsurance.com/about-us/underwriting?utm_source=openai)) Submission & policy administration expectations (for agents/partners): - Embrace positions business as 100% reimbursement‑style pet insurance sold direct-to-consumer and via partner channels (e.g., employee benefits, association and affinity programs). All risks are individually underwritten at pet level. - Claim handling: Pet owner submits invoices and simple claim form; Embrace may request full medical records where needed to evaluate pre‑existing conditions vs. new conditions. Prompt, accurate medical histories at point of sale reduce downstream disputes over pre‑existing status. - Orthopedic waiver process (dogs): To shorten the orthopedic waiting period, producers should advise applicants to schedule the orthopedic exam soon after enrollment and have the vet complete the Embrace orthopedic report card in the required format and timeframe so the shorter 14‑day orthopedic waiting period can apply where allowed by state law. ([vcmbenefits.com](https://vcmbenefits.com/wp-content/uploads/2023/03/Embrace-Pet-Insurance-FAQS.pdf?utm_source=openai)) Broker / producer notes: - There is no separate published "commercial" appetite guide; underwriting posture is defined via consumer‑facing policy and FAQ language. Treat appetite as broad for U.S. household dogs and cats, but: - Avoid promising coverage for any condition already noted in prior vet records or observed during waiting periods. - Clearly explain that wellness benefits are separate from core accident & illness coverage and that routine care is not reimbursed under the base policy. - Direct prospects to review their state-specific terms and conditions and full exclusions prior to binding. Operationally, treat Embrace as a national pet accident & illness carrier for dogs and cats with standard pre‑existing condition exclusions, short accident/illness waits, a longer orthopedic waiting period for dogs (with a documented waiver option), and a strong emphasis on up‑front disclosure of prior conditions and recent vet history.