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: Embrace Pet Insurance Agency, LLC administers pet health insurance programs that are underwritten by American Modern Insurance Group carriers (e.g., American Modern Home Insurance Company and American Southern Home Insurance Company). Policies are subject to each state’s filed terms and conditions and may not be available for all risks or in all states. Target/Preferred Business: - Species: Domesticated dogs and cats only, named and described on the Schedule and residing with the policyholder. - Core product is Accident & Illness coverage, with optional wellness plan (Wellness Rewards – not insurance) offered as a separate membership product. - Underwriting and pricing consider species, breed, pet age at enrollment, geographic location (home address), and selected coverage features (limit, deductible, coinsurance, riders).([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) Key Eligibility & Coverage Notes: - Eligible pets are domesticated dogs and cats, typically subject to age limits at enrollment per state filings (e.g., pets above certain ages may be limited to accident-only coverage or ineligible; refer to state-specific terms and conditions). - Policy is continuous and renews as long as premiums are paid, but premium may change at renewal based on factors such as the pet’s age band and rating territory.([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) - Coverage is subject to underwriting review and approval; terms, conditions, limitations, and exclusions apply and may vary by state.([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) Restricted / Declined Classes (examples from program and product terms): - Non‑domesticated or hybrid animals (dogs or cats bred with wild species) and cloned pets are not eligible under the referenced program rules. - Pre‑existing conditions are excluded; certain conditions or prior history can result in exclusions or denial of specific claims. - Breeding, pregnancy/whelping, fighting, racing, cruelty/neglect, cosmetic procedures (unless medically necessary), non‑medically necessary stem cell therapy, cloning/DNA testing, and specified catastrophic perils (e.g., avian flu, nuclear war) are excluded.([embracepetinsurance.com](https://www.embracepetinsurance.com/research/how-does-pet-insurance-work?utm_source=openai)) Geographic Notes: - Program is written on a state‑by‑state basis and may not be available in all states. Rates and availability, as well as age‑based eligibility rules, can differ by jurisdiction (e.g., separate state terms pages such as California).([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) - Premiums may change based on the insured’s home address (rating territory).([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) Product & Options Overview (operational): - Accident & Illness policy for dogs and cats; coverage levels (annual limits, deductibles, coinsurance) are configurable by the policyholder within filed ranges. - Co‑insurance options generally range across multiple levels (e.g., 50%–90% company share) and deductibles typically vary from low to high amounts, subject to the filed product in each state.([filingsdirect.com](https://filingsdirect.com/docs/CAIA/2020/October/American%20Pet%20PIM%20Pet%20Health%20Trupanion%20Pet%20Health%20Insurance%20Product%20rate%20rule%209%2020%20APII-132302957.pdf?utm_source=openai)) - Optional features may include coverage for exam fees and complementary/rehabilitative therapies, and a separate Pet Owner Assistance–type rider in some programs; availability is state‑ and program‑specific. - Wellness Rewards is an optional membership plan administered by Embrace; it is explicitly not insurance, not regulated as insurance, and is not available in all states (e.g., not available in Rhode Island).([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) Submission / Underwriting Process (producer & customer expectations): - Embrace functions as the program administrator and direct‑to‑consumer distributor; applications are typically submitted online via the Embrace website or partner channels. Underwriting review is performed on the application, rating variables, and, when required, medical records. - Coverage and pricing are not guaranteed until underwriting review is completed and the policy is issued by the American Modern underwriting company. Materials for distribution (e.g., partner and affinity brochures) consistently note that coverage is subject to underwriting review and approval, and may not be available for all risks or in all states.([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/v6?utm_source=openai)) Broker/Producer Notes: - Embrace operates primarily as an agency/administrator for American Modern; most guidance for partners (e.g., Allstate and affinity groups) reiterates that Embrace administers the product and that the American Modern companies are the risk‑bearing underwriters. - Marketing and sales materials must use approved Embrace/American Modern content and must not alter filed terms or promise coverage beyond the policy. Producers should refer prospects to the Embrace terms and conditions and state‑specific policy forms for definitive coverage details and exclusions. Operational Takeaways: - Write only domesticated dogs and cats; no hybrids, cloned pets, or non‑traditional species. - Expect state‑specific variation in age eligibility, coverage options, and availability; confirm against Embrace state terms when quoting. - Exclusions around pre‑existing conditions, breeding/pregnancy, cruelty, racing, cosmetic procedures (unless medically necessary), and extraordinary perils are standard and should be clearly communicated. - All risks are subject to underwriting review and approval by the American Modern carrier; submissions outside standard eligibility (species, age, residence) should be assumed declined unless explicitly approved via updated filed guidelines.