Embrace Pet Insurance Texas Review
Embrace is underwritten in Texas by American Modern Home Insurance Company.
Coverage
The 180-day orthopedic figure is a lifetime exclusion in Embrace's V6 terms for Texas: cruciate ligament disease, IVDD, patellar luxation or hip dysplasia in dogs that show signs in the first 180 days are never covered. Accidents have no wait; illness waits 14 days, waived if a vet exam after the start date finds no conditions. Without a vet exam in the 12 months before or the 14 days after the start date, the policy is accident-only. Raising coverage restarts the illness wait and the pre-existing check. Premium, reimbursement, deductible and terms can change at renewal, and premiums rise with age. Embrace's own Texas price examples differ by city: the same 8-week-old Chihuahua costs $17.51 a month in Dallas and $13.04 in San Antonio. Texas rates are not filed.
Scores in Texas
Without rate pages there is no lifetime cost, so Embrace is not ranked in Texas. 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 Texas 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