Pet Health

The pet market is huge. Nearly 83 million U.S. households (68 percent) have a pet, with annual spending of nearly $60 billion. One in three pets requires some form of unexpected medical care each year. This program offers flexible deductible and co-pay choices, coverage options, and a range of annual limits, so that any dog or cat lover can provide more than just basic care for their companion.

Click the links below to download these quick reference PDFs.

    Annual Maximum options $5,000, $8,000, $10,000 or $15,000
    Deductible options $200 (standard), $300, $500, $750 or $1,000
    Reimbursement options 70 percent, 80 percent or 90 percent

Coverage details

  • Accidents
  • Laboratory and diagnostic tests
  • Breed specific and generic conditions
  • Chronic and recurring conditions
  • Emergency and specialist vet visits
  • Cancer
  • Surgery
  • Hospitalization
  • Nursing care
  • Alternative therapies such as acupuncture and rehabilitation
  • Prescription drug extension
  • Wellness Rewards – Choose from three allowance levels – $250, $450, or $650. The customer can spend the allowance
    as they decide is best.
  • Routine care
  • Preventative surgery such as neutering or spaying
  • Dental services
  • Prescription diet food
  • OFA and HIP exams

Wellness Care Benefit is administered exclusively by Embrace Pet Insurance.

Q: Does the plan cover genetic and breed-specific conditions?
A: Yes, it is covered, even for mixed breeds, because sometimes it’s not clear what is and isn’t hereditary or breed-specific. Some examples of these conditions are hip dysplasia, luxating patellas and cardiomyopathy. American Modern program covers genetic and breed-specific conditions provided the pet did not show signs or symptoms of them prior to enrollment.

Q: Does the plan cover chronic and recurring illnesses?
A: All American Modern Pet Insurance policies come with continuing care coverage to give a pet a lifetime of care subject to the policy limit.

Q: Are there per-incident limits that restrict the amount that could be received back?
A: American Modern plans do not have per-incident limits.

Q: Does the plan reimburse claims based on a benefit schedule or the actual veterinary bill?
A: American Modern Pet Insurance Plan reimburses based on the actual veterinary bill.

Q: How are Wellness claims handled?
A: Wellness Rewards are completely separate from Accident & Illness plans so there’s no deductible and no co-pay. Your customer can get 100% reimbursement for general office visits, vaccinations, flea/tick/heartworm meds, spay/neuter, microchipping, dental cleanings and routine diagnostic tests. There’s no per item maximum so your customer can use the annual allotment as they choose. All cats and dogs are eligible for Wellness Rewards.

Q: Is there a waiting period for new pets?
A: There is a 14-day waiting period for accidents and illnesses. Orthopedic injuries for dogs have a 6-month waiting period but can be waived if a veterinarian gives a pet the orthopedic waiver ‘all clear.’ Then the waiting period goes down to the 14-day waiting period.

Q: How does it work visiting a veterinarian for treatment?
A: Your customer can visit any general, specialist or emergency veterinarian in the country. There are no networks and they do not need approval first. They bring along a claim form and get the veterinary staff to complete it. American Modern makes this process hassle-free by providing your customer with claim forms that are simple to fill out and submit because they come pre-populated with your customer pet’s information so they don’t have to fill much out. One claim form is included with the customer’s policy documents. Additional claims forms can be downloaded from embracepetinsurance.com.

Pet ownership data sourced from American Pet Products Association, the North American Pet Health Insurance Association (NAPHIA), and Packaged Facts.

This plan is underwritten by American Modern Home Insurance.
Company (NAIC #23469; in California, doing business as American Modern.
Insurance Company; in Florida, American Southern Home Insurance Company,NAIC #41998); member companies of American Modern Insurance Group.