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
Embrace Pet Insurance Agency, LLC is a U.S. personal lines pet insurer/administrator focused on cats and dogs, offering accident and illness pet health insurance with an optional Wellness Rewards membership. The official underwriting page states policies are administered by Embrace and underwritten by American Modern Insurance Group companies, with underwriting review and approval required and availability varying by risk and state. Geographic note: business is written in all states through American Modern Home Insurance Company except Florida, where policies are underwritten by American Southern Home Insurance; Wellness Rewards is not available in Rhode Island. Published guidance does not provide a broker-facing commercial appetite guide, class list, or producer submission portal; this appears to be direct-to-consumer pet insurance rather than an open broker market. Restricted/declined details are not published as a traditional appetite guide, but Embrace notes coverage may not be available for all risks or in all states and is subject to policy terms, limitations, exclusions, and underwriting approval. Operational submission notes available on official help pages are customer-facing: claims and supporting documents can be uploaded through MyEmbrace, with PDF/PNG/JPEG generally accepted up to 50MB for documents; pre-certification uploads may use PDF/JPG/TIF/PNG, with email attachment size noted at 5MB for pre-certification by email. For first accident/illness claims or pre-certifications tied to a first claim, Embrace may require complete medical history from all veterinarians for the 12 months prior to policy start (or since adoption/homecoming for young or recently adopted pets) through the end of the illness waiting period. Additional customer-facing process notes include online/app claim submission, claim forms and complete invoices when submitted outside the portal, and pre-certification being optional rather than required. No verified official producer, broker, appointed-agent, or wholesale submission instructions were found on the carrier site, so there are no published broker appointment or submission requirements to report beyond the consumer document/claim handling guidance.