Embrace Pet Insurance + KOA

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Protection for Your Pets, at Home and On The Road

From the highest mountains to the deepest valleys, Embrace Pet Insurance gives you peace of mind that you can get your pets the best care no matter where adventure takes you.

What Does Embrace Pet Insurance Cover?

Embrace covers unexpected accidents and illnesses, plus all related treatments, under one comprehensive policy that you personalize to fit your budget. There are no networks so you can visit any licensed veterinarian in the world.

Coverage includes:

  • Hospitalization & Surgery
  • Emergency & Specialty Care
  • Dental Illnesses & Accidents
  • Broken Bones
  • Breed-specific & Hereditary Conditions in Purebred Pets
  • Congenital Conditions
  • Chronic Conditions
  • Cancer Treatment
  • Behavioral Therapy
  • Diagnostic Testing
  • Prescription Drugs
  • Complementary Treatments & Rehabilitation

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This Policy has Perks

Not only does Embrace provide great insurance coverage, these extra perks come standard with every policy.

  • 24/7 Pet Health Line
    Embrace partners with PawSupport to give policyholders free 24/7 access to Pet Pros for every pet health-related question, whether you’re on the couch or on-the-go.
  • Healthy Pet Deductible
    Pet insurance’s best diminishing deductible feature – for every claim reimbursement-free year, your annual deductible is credited $50 the following year.
  • Online Customer Account
    MyEmbrace is the simple, frustration-free way to submit claims, add pets, and manage your coverage, wherever you are.
  • Award-winning Customer Service
    Our Customer Care Team received the International Service Excellence Award: Service Champion Award.

How Does Wellness Care Work?

Your Embrace Pet Insurance policy reimburses you for unexpected accidents and illnesses like torn muscles or a parasite from a questionable water source. For everything else, there’s Wellness Rewards®, an optional preventative care plan that can be purchased in addition to your policy for and reimburses you for things like:

  • Wellness Exams
  • Vaccines & Preventatives
  • Activity Monitors & GPS Locators
  • Leashes, Life Jackets & Harnesses
  • Grooming
  • Training
  • Spay or Neuter Surgery

Ways to Save

Your Embrace Pet Insurance policy can be personalized to fit any budget, but there’s no harm in extra discounts, right? Here’s how you could save:

  • 10% Multiple Pet Discount
    Automatically added when you insure two or more pets
  • 5% Military Discount
    For active and former military members


Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and 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 (Lic. No 2222-8), and American Southern Home Insurance Company. 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. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States, not available in RI. © 2021 American Modern Insurance Group, Inc.