Embrace Pet Insurance Pennsylvania Review

Coverage

Embrace's site shows its national V6 terms for Pennsylvania; we found no Pennsylvania endorsement or disclosure, and no Pennsylvania document naming the insurer company (V6 says only American Modern Insurance Group; the national disclosure names American Modern Home Insurance Company). V6 gives 15 days to return the policy, while Pennsylvania law requires 30. Accidents have no waiting period; illness waits 14 days, and the wait is lifted if a vet exam after the start date records that the pet has no conditions or clinical signs. Cruciate ligament disease, IVDD, kneecap luxation and hip dysplasia with signs in the first 180 days are excluded for life, and a condition on one side excludes the other side. Without a vet exam in the 12 months before or 14 days after the start, the policy is accident-only until an exam. Raising cover resets the illness wait and the pre-existing check from the date of the change. Embrace's national disclosure says the premium may rise with claim history, age and a move, and that claims must be filed within 60 days after the policy term ends.

Scores in Pennsylvania

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

Price by age

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

Rate filings

No filings recorded yet.

References

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