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
Operational underwriting guidance for Embrace Pet Insurance Agency, LLC (program underwritten by American Modern Insurance Group carriers): 1. Target / Preferred Business - Companion dogs and cats only, insured as household pets (no commercial or working animals). - Pets generally insured when young and with limited prior medical history; Embrace explicitly states eligibility is determined only after the pet is underwritten online or by phone, and all new/renewal policies are subject to underwriting review and approval. - Accident & illness policies are designed for broad medical, surgical, diagnostic, hospitalization, prescription drug, behavioral therapy, and many dental and breed-specific/orthopedic conditions, provided the condition is not pre‑existing and waiting periods are satisfied.([embracepetinsurance.com](https://www.embracepetinsurance.com/coverage/embrace-terms?utm_source=openai)) 2. Restricted / Declined Risks (Eligibility & Coverage) - Pre‑existing conditions are a core declination/exclusion: defined generally as any injury, illness, or irregularity noticed by the pet parent or veterinarian before coverage begins or before the end of applicable waiting periods, even if no vet visit occurred. These are not covered under the policy.([assets.ctfassets.net](https://assets.ctfassets.net/nx3pzsky0bc9/5hBUSn9TxOnh33O2ow9982/e51b800582a36b8e12f39a106e48b60f/Embrace_Pet_Insurance_FAQ.pdf?utm_source=openai)) - Temporary/curable conditions may be re‑eligible: Embrace materials and consumer‑facing interpretations indicate that some curable pre‑existing conditions can be covered once the pet has been symptom‑free and off treatment for a specified period (commonly 12 months); this is handled through underwriting review and must be confirmed in the state‑specific policy terms.([assets.ctfassets.net](https://assets.ctfassets.net/nx3pzsky0bc9/5hBUSn9TxOnh33O2ow9982/e51b800582a36b8e12f39a106e48b60f/Embrace_Pet_Insurance_FAQ.pdf?utm_source=openai)) - General exclusions (must be assumed as not covered unless specifically endorsed otherwise): - All pre‑existing conditions (including chronic or recurring manifestations tied back to pre‑policy or waiting‑period signs). - Non‑veterinary costs and non‑medical services (boarding, grooming, training, etc.). - Elective and cosmetic procedures, breeding‑related costs, pregnancy, and similar non‑medically necessary services. - Items listed in the state‑specific “General Exclusions” section of the Embrace policy terms and conditions; these can vary by jurisdiction (e.g., certain dental illness provisions, preventive care, or administrative fees).([embracepetinsurance.com](https://www.embracepetinsurance.com/coverage/embrace-terms?utm_source=openai)) - Dental illness and procedures are partially restricted: Embrace markets coverage for dental illnesses and injury (e.g., periodontal disease, fractured teeth) up to a stated sublimit per policy term (example: $1,000), subject to state‑specific terms and exclusions. Dental cleanings and routine dental care are typically excluded unless purchased via wellness add‑ons.([embracepays.com](https://www.embracepays.com/coverage/dental-coverage?utm_source=openai)) 3. Geographic & Regulatory Notes - Program is U.S. only and underwritten by American Modern Insurance Group insurers; coverage is subject to state availability and may not be offered in all states or for all risks within a state.([embracepetinsurance.com](https://www.embracepetinsurance.com/coverage/embrace-terms?utm_source=openai)) - Each state uses its own Embrace terms and conditions; for example, the Utah specimen form shows standard language that coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Underwriters and producers must always reference the state‑specific form in force at binding/renewal.([embracepetinsurance.com](https://www.embracepetinsurance.com/state-terms/utah?utm_source=openai)) 4. Underwriting / Submission Requirements (Retail & Program Admin Perspective) - Quote & bind are performed via Embrace’s direct platform (online or by phone). The pet’s health and condition representations at quote form the basis of the insurance contract; material misrepresentation or non‑disclosure can render the contract null and void.([embracepetinsurance.com](https://www.embracepetinsurance.com/quote-terms-and-conditions?utm_source=openai)) - Embrace requires full medical record review for accurate pre‑existing condition determinations. Standard expectation is that veterinary records are obtained and used to issue a formal list of coverage exclusions tied to pre‑existing conditions after underwriting; this can occur via a free medical history review requested by the customer after enrollment but prior to the first claim.([embracepetinsurance.com](https://www.embracepetinsurance.com/claims?utm_source=openai)) - Waiting periods apply and are a key underwriting/coverage lever: there are stated waiting periods for accidents and illnesses, and certain orthopedic/hip or breed‑specific conditions may have longer waiting periods unless the customer satisfies special requirements (e.g., orthopedic exam and waiver). These waiting periods, and any associated exam/waiver provisions, are detailed in the state‑specific policy or related filings; they must be verified at point of sale and renewal.([assets.ctfassets.net](https://assets.ctfassets.net/nx3pzsky0bc9/6fdM1tdAcVgI1Y87r7kRAK/5b17894439639302d24f8caea724d015/stateofca_document_final-50026.pdf?utm_source=openai)) - Coverage is always “subject to underwriting review and approval,” and the carrier reserves the right not to issue or renew based on risk factors such as age, prior conditions, or geography, in line with filed rating and underwriting rules.([embracepetinsurance.com](https://www.embracepetinsurance.com/coverage/embrace-terms?utm_source=openai)) 5. Broker / Producer Notes - Embrace operates primarily as a direct‑to‑consumer agency and as program administrator for distribution partners (e.g., other brands and affinity groups). Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by American Modern Insurance Group insurers; producers placing business through partner programs should treat Embrace as the program administrator and must comply with that partner’s appointment and compensation structure.([embracepetinsurance.com](https://www.embracepetinsurance.com/coverage/embrace-terms?utm_source=openai)) - There is no publicly posted, separate producer “appetite guide” for Embrace; underwriting guidance is effectively embedded in the publicly available Embrace policy terms, coverage FAQ, and state‑specific forms. Brokers should: - Use Embrace’s quote platform or partner portal to determine eligibility and pricing for each pet. - Disclose clearly that all coverage is subject to medical record review, pre‑existing condition exclusions, and waiting periods. - Direct insureds to access and review their full state‑specific terms and conditions through their MyEmbrace account and to request a medical history review early in the policy term so any exclusions are documented before a claim event.([embracepetinsurance.com](https://www.embracepetinsurance.com/help/article/where-can-i-find-my-embrace-policy-terms-and-conditions?utm_source=openai))