Embrace Pet Insurance Agency, LLC
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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
Verified official underwriting guidance is limited. Embrace Pet Insurance Agency, LLC markets personal pet insurance for dogs and cats in the U.S. Policies are underwritten by American Modern Insurance Group. In all states except Florida, policies are underwritten by American Modern Home Insurance Company; in Florida, policies are underwritten by American Southern Home Insurance. Operationally, the product is aimed at household pet owners seeking accident and illness coverage, with optional routine/wellness benefits. Coverage materials indicate broad eligibility for licensed-veterinarian treatment anywhere in the U.S., with no provider network restrictions, and claims submitted online or via app. Preferred business: companion dog and cat risks for personal pet owners; accident/illness risks including chronic, hereditary, congenital, cancer, dental illness, orthopedic, and preventable conditions when not pre-existing and subject to policy terms/waiting periods. Optional wellness/routine care plan is available as a supplemental offering. Restricted or declined/excluded risks: pre-existing conditions are not covered; breeding, whelping, or pregnancy are excluded; DNA testing or cloning excluded; deliberate injury by the insured/household excluded; injury or illness from fighting, racing, cruelty, or neglect excluded; cosmetic procedures such as tail docking, ear cropping, and dew claw removal are excluded unless medically necessary; additional routine/preventive items are excluded from the core policy unless covered by wellness benefits. Coverage FAQs also note policy changes that increase coverage may trigger re-underwriting. Geographic notes: product is described as licensed with each state department of insurance; underwriting carrier differs for Florida versus other states. Treatment can be obtained from any licensed veterinarian in the U.S. Submission/underwriting requirements: no broker or producer appetite/submission portal guidance was verified on the official site. Consumer-facing business is quoted directly through Embrace. Claims are submitted digitally with invoice upload; no claim form or paperwork is required for claims submission per the website. Questions are directed to customer care by phone. No official wholesale/retail producer instructions, class grids, or agency appointment guidance were found on the verified official pages reviewed. Broker/producer notes: no dedicated producer, broker, or submit-business underwriting page was verified on the official website. Available guidance is primarily consumer-facing and identifies the underwriting carriers and major coverage/exclusion framework rather than intermediary submission rules.