Embrace Insurance — Company Profile
What it is: a pet insurance brand founded in 2003 in Cleveland, Ohio — the concept won the 2003 Wharton Business Plan Competition, and it sold its first policy in 2006. Its signature features are a diminishing deductible that drops $50 for every claim-free policy term, coverage of vet exam fees (which several rivals exclude), and an optional Wellness Rewards allowance for routine care. Policies are underwritten by American Modern group insurers.
Verdict: Legit Our rating: Not yet rated — the evidence check is published (see the legit check); numeric scoring with visible inputs is in progress, and we do not publish a number without them.
Embrace is a legitimate pet insurance program — founded 2003, administered by Embrace Pet Insurance Agency, LLC, and underwritten by American Modern Insurance Group companies. The practical questions are fit: the Healthy Pet Deductible rewards staying claim-free for years, Wellness Rewards is legally a non-insurance benefit (not coverage), and new accident-and-illness enrollment closes at age 15. Full verdict evidence: Is Embrace legit?
The evidence
- Identity & scale: founded 2003 in Cleveland, Ohio (the concept won the 2003 Wharton Business Plan Competition; first policy sold in 2006). Administered by Embrace Pet Insurance Agency, LLC. No founder names are published on this page: none were corroborated in the research, and we do not print uncorroborated names.
- Who underwrites: American Modern Home Insurance Company in all states except Florida, and American Southern Home Insurance Company in Florida — both insurers of American Modern Insurance Group, Inc. (AMIG), per Embrace’s own underwriting page.
- Plan structure: one customisable Accident & Illness plan, plus an Accident-Only policy. Exam fees are covered — a genuine differentiator against Trupanion and Healthy Paws. Reimbursement up to 90%; annual limits selectable up to unlimited.
- Signature deductible: one annual deductible, $100–$1,000 — and the Healthy Pet Deductible reduces it by $50 for each policy term with no reimbursed accident/illness claims.
- Wellness, labelled honestly: the optional Wellness Rewards program reimburses routine care (vaccines, exams, dental cleaning, grooming, training) up to an annual allowance you choose, with no itemised per-item limits. Legally, Wellness Rewards is a supplementary non-insurance benefit administered by the agency — it is not insurance coverage — and it is not available in Rhode Island.
- Waiting periods & limits: 2-day waiting period for accidents (among the shortest in the industry); 6 months for orthopedic conditions unless a waiver is completed; dental illness reimbursement capped at $1,000 per term; new Accident & Illness enrollment is not available for pets aged 15+.
- Complaint pattern: our standard complaint index — the CarInsurance.com compilation of NAIC data used for every auto profile on this site — covers private-passenger auto only, so no figure from it exists for this line. Other compilations publish figures on different bases and disagree with each other, so rather than borrow one, we publish this company’s financial-strength rating and market data instead, and say so.
Where to check next
There are no live quote offers for Embrace on this site yet, so the honest next step is comparison, not a checkout button:
| Alternative | Best for | See |
|---|---|---|
| All major pet insurers, side by side | Comparing sales models and fit | Best pet insurance comparison |
| Run the numbers for your situation | A sourced estimate before you shop | Pet insurance breakeven calculator |
| The pet insurance hub | Coverage, costs, and how to shop the line | Pet insurance hub |
Reader reviews
No verified reviews yet. This profile is new, and we will not dress it up with placeholder praise. When reviews arrive, each one is moderated by a human, labelled verified only when we can verify the reviewer, and published whether it is positive or negative.
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Embrace questions
Is Embrace’s Wellness Rewards insurance?
No — and Embrace’s own disclosures say so. Wellness Rewards is a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency that reimburses routine care up to an allowance you choose. It sits alongside the insurance policy; it is not part of it, and it is not available in Rhode Island.
I have seen Embrace plans sold under other brands. Is that the same company?
Yes. Embrace’s own sample policy names Allstate, American Modern Pet Insurance, Armed Forces Insurance, GEICO, and USAA among the brands offering Embrace plans. The “competitor” quote you get elsewhere may be the same underlying program — compare plan documents, not brand names.
Why does this profile say “Not yet rated”?
We publish a numeric score only with the inputs behind it visible on the page. This company’s evidence check (on our Is It Legit page) is complete; its full numeric scoring is in progress, so the honest label is “Not yet rated” rather than an invented number.
Is this your business?
Embrace representatives can claim this profile to respond to reviews and correct factual errors. Claiming is free; it never changes a verdict, a score, or a review. How claiming works
Sources (checked October 2026): Founded 2003, Cleveland; Wharton Business Plan Competition win 2003; first policy 2006 (TruPetInsurance; ConsumersAdvocate). Underwriters American Modern Home Insurance Company (ex-FL) and American Southern Home Insurance Company (FL), American Modern Insurance Group (Embrace underwriting page, embracepetinsurance.com, crawled Oct 2026). Healthy Pet Deductible ($50 per claim-free term), annual deductible $100–$1,000, Wellness Rewards terms and non-insurance status, Rhode Island exclusion (AFI Embrace brochure; Embrace company disclosure; InsuranceNewsNet). Waiting periods, dental cap, age-15 enrollment limit, exam-fee coverage (Embrace sample-policy review via Pawlicy Advisor). Founder names were NOT FOUND in the sources consulted and are omitted.