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Prescription coverage
Rehab & therapy
Pet wellness plans

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Pre-existing conditions
Waiting periods
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Insurance 101

What is pet insurance
What's covered
What's not covered
Pre-existing conditions
Waiting periods
Pet insurance costs
Buying guide
Customer stories

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Embrace vs Lemonade
Embrace vs Trupanion
Embrace vs Nationwide
Embrace vs ASPCA
Embrace vs Pet's Best
Embrace vs Spot

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Privacy Policy
Licensing
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Notice to California residents
Policy disclosure
Do not sell or share my information

Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic#0G89328) and is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (NAIC #0361-23469) and American Southern Home Insurance Company (Lic. No 2222-8). 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. Rates and discounts vary, are determined by many factors, and are subject to change. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embrace-terms . (c) 2026 American Modern Insurance Group, Inc.  

Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit www.embracepetinsurance.com/wellness-rewards-terms-of-service

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Privacy Policy
Licensing
Terms of use
Sample policy terms
Notice to California residents
Policy disclosure
Do not sell or share my information

State guide

Learn about pet insurance costs, coverage and local health risks by state.

State guide

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A B C D E F G H I J K L M N O P R S T U V W Y

A B C D E F G H I J K L M N O P R S T U V W Y

A

Alabama
Alaska
Albany
Anaheim
Arizona
Arkansas
Arlington
Austin

B

Bakersfield
Buffalo

C

California
Cape Coral
Colorado
Connecticut
Corpus Christi

D

Dallas
Delaware

E

El Paso

F

Florida
Fort Lauderdale
Fort Worth
Fresno

G

Georgia

H

Hawaii
Hialeah
Houston

I

Idaho
Illinois
Indiana
Iowa

J

Jacksonville

K

Kansas
Kentucky

L

Long Beach
Los Angeles
Louisiana

M

Maryland
Massachusetts
Miami
Michigan
Minnesota
Mississippi
Missouri
Montana
Mount Vernon

N

Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New Rochelle
New York
New York City
Norfolk
North Carolina
North Dakota

O

Oakland
Ohio
Oklahoma
Oregon
Orlando

P

Pennsylvania
Plano
Port St. Lucie

R

Rhode Island
Richmond
Rochester

S

Sacramento
San Antonio
San Diego
San Francisco
San Jose
Schenectady
South Carolina
South Dakota
St. Petersburg
Syracuse

T

Tallahassee
Tampa
Tennessee
Texas

U

Utah
Utica

V

Vermont
Virginia
Virginia
Virginia Beach

W

Washington
West Virginia
Wisconsin
Wyoming

Y

Yonkers

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