Embrace Pet Insurance Arizona Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Embrace review · Pet insurance in Arizona

Embrace inAZArizonaChange state
Your dogFrench Bulldog · puppy, under 115 years of cover

Prices and ratings on this page are for the French Bulldog, enrolled as a puppy. Turn on JavaScript to choose your dog's breed and age.

This page is a draft: we have not read Embrace's Arizona rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Embrace is underwritten in Arizona by an insurer we have not identified.

Coverage

Embrace is written by American Modern Home in California and American Southern Home in Florida; we have no Arizona document saying which company writes it here. Arizona does not require pet insurers to file rates or policy forms, and the only American Modern Home pet filing in Arizona's SERFF records is an old 'Pet Insurance Program' rate filing, so Embrace's current Arizona rates and policy form are not public. No price, waiting periods or coverage flags are shown.

Scores in Arizona

Without rate pages there is no lifetime cost, so Embrace is not ranked in Arizona. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Embrace in Arizona are not public or not yet read, so there is no price by age.

Compared with other brands in Arizona

Monthly premium for the French Bulldog in Arizona at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.

Monthly premium by age for 1 brands in Arizona; every number is in the table below the chart.$0$200$400$600$80002468101214

Filed rates: MetLife META-134597334. No rate pages read yet: ASPCA, Embrace, Fetch, Figo, Healthy Paws, Lemonade, Nationwide, Pets Best, Pumpkin, Spot, Trupanion.

All numbers: monthly premium by age, French Bulldog, none (filed rates)
AgeMetLife
0$186
1$169
2$169
3$169
4$172
5$215
6$258
7$322
8$398
9$455
10$527
11$610
12$707
13$743
14$778

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Added BBB and Trustpilot ratings checked on 13 October 2026
  2. Corrected the age rule: accident-only enrollment at 15 and older appears only in the guidelines filed with pending 26-812. Moved the Florida rate filings to unverified because their direction is not public. Corrected the Claim History ages, the 2022 accident-only example, the 60-day cancellation clause and the Florida group attribution
  3. First draft from California filing 26-812 and the Florida IRFS filing list