Embrace Pet Insurance Illinois Review
Draft: This page is a draft: we have not read Embrace's Illinois rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.
Embrace is underwritten in Illinois by an insurer we have not identified.
Coverage
Embrace sells in Illinois. Its policies are underwritten by American Modern Home Insurance Company or American Southern Home Insurance Company; which one writes Illinois policies was not checked. We have not read an Illinois policy form, so waiting periods, enrollment ages and coverage are not recorded. Illinois rates are not filed with the state.
Scores in Illinois
Without rate pages there is no lifetime cost, so Embrace is not ranked in Illinois. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Embrace in Illinois are not public or not yet read, so there is no price by age.
Rate filings
No filings recorded yet.
References
- 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Added BBB and Trustpilot ratings checked on 13 October 2026
- 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
- First draft from California filing 26-812 and the Florida IRFS filing list