Embrace Pet Insurance Washington Review
Embrace is underwritten in Washington by an insurer we have not identified.
Coverage
Embrace sells in Washington. Its Washington page says accidents are covered from the start date and illness has a 14-day waiting period; other waiting periods and exclusions vary by state, and we found no Washington policy or Washington disclosure to check them. Premiums are based on the pet's current age and may rise at renewal as the pet ages. Its Washington rates are filed by American Modern Home Insurance Company. The rate filings price by age and by years insured, and the Healthy Pet Discount is lost once paid claims for the pet exceed $300 in a year (see the Washington page).
Scores in Washington
Without rate pages there is no lifetime cost, so Embrace is not ranked in Washington. 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 Washington 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