Embrace Pet Insurance Florida Review

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

Part of the Embrace review · Pet insurance in Florida

Embrace inFLFloridaChange 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 Florida rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Embrace is underwritten in Florida by American Southern Home Insurance Company.

Coverage

Florida policies are issued by American Southern Home Insurance Company. Rate filings 26-026661 (effective 1 January 2027) and 26-031921 (effective 2 June 2027) were approved in 2026. Their documents have not been obtained, so the Florida policy form, waiting periods, enrollment ages and coverage terms are not verified here.

Scores in Florida

Without rate pages there is no lifetime cost, so Embrace is not ranked in Florida. 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 Florida are not public or not yet read, so there is no price by age.

Compared with other brands in Florida

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

Monthly premium by age for 5 brands in Florida; every number is in the table below the chart.$0$250$500$750$1,000$1,25002468101214

Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.

All numbers: monthly premium by age, French Bulldog, none (filed rates)
AgeASPCALemonadePets BestPumpkinSpot
0$154$140$78$164$143
1$146$119$71$155$135
2$145$119$71$155$135
3$159$119$71$170$148
4$179$132$79$191$166
5$218$156$96$233$202
6$263$185$116$280$244
7$318$221$145$339$294
8$407$265$180$433$376
9$501$370$219$534$464
10$601$439$283$640$556
11$678$505$318$723$628
12$782$544$346$834$724
13$888$544$346$947$822
14$944$544$346$1,007$874

Rate filings

Embrace's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.

FilingEffectiveStatusRequestedApprovedIndicatedLoss ratioPermissible LRSource
26-0319212 Jun 2027approvedsource [1]
26-0266611 Jan 2027approvedsource [2]
26-026538filed 21 May 2026withdrawnsource [3]
25-01237511 Nov 2025approvedsource [4]
24-00084211 Nov 2024approvedsource [5]
Notes on these filings (5)
  1. 26-031921: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 26 June 2026, approved 17 September 2026, effective 2 June 2027 for new and renewal policies, five months after the previous approved filing 26-026661. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, fl-irfs-pet-filings-2026-10-13.md.
  2. 26-026661: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 22 May 2026, approved 10 July 2026, effective 1 January 2027 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, fl-irfs-pet-filings-2026-10-13.md.
  3. 26-026538: IRFS filing card: rates filing under the Livestock (Animal Mortality) product, filed 21 May 2026 and withdrawn the next day, 22 May 2026; the effective date it had requested was 21 June 2026. On the day of the withdrawal the company filed rates filing 26-026661 under the Inland Marine / Pet Insurance product. Research note: floir-rate-filings.md.
  4. 25-012375: IRFS filing card: rates filing, filed 3 March 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 22 May 2025, effective 11 November 2025 for new and renewal policies. Documents not obtained. Research note: floir-rate-filings.md.
  5. 24-000842: IRFS filing card: rates filing, filed 10 January 2024 under the Livestock (Animal Mortality) product, approved 31 July 2024, effective 11 November 2024 for new and renewal policies. Documents not obtained. Research note: floir-rate-filings.md.

References

  1. 1.↑Florida Office of Insurance Regulation, IRFS. American Southern Home Insurance Company, Embrace, rate filing 26-031921. Effective 2 Jun 2027. source
  2. 2.↑Florida Office of Insurance Regulation, IRFS. American Southern Home Insurance Company, Embrace, rate filing 26-026661. Effective 1 Jan 2027. source
  3. 3.↑Florida Office of Insurance Regulation, IRFS. American Southern Home Insurance Company, Embrace, rate filing 26-026538. Effective 21 May 2026. source
  4. 4.↑Florida Office of Insurance Regulation, IRFS. American Southern Home Insurance Company, Embrace, rate filing 25-012375. Effective 11 Nov 2025. source
  5. 5.↑Florida Office of Insurance Regulation, IRFS. American Southern Home Insurance Company, Embrace, rate filing 24-000842. Effective 11 Nov 2024. source
  6. 6.↑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