Pet Insurance Blog

Is American Modern Pet Insurance Good? Here's How It Stacks Up

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
family photo with dog

American Modern is partnered with Embrace Pet Insurance to sell comprehensive pet insurance policies with varying amounts of reimbursement levels, deductibles, and benefit limits in all 50 states. But what does this really mean for the health and wellbeing of your pet and is it the best option for you both?

Learn more about the company’s policies, rates, discounts, reimbursement process, and more, to make the best choice for your pet and your family budget.

Table of Contents

Does American Modern offer pet insurance?

American Modern Insurance Group is a holding company founded in 1965 in Ohio. The Group is composed of six companies that offer different insurance products to owners of specialty dwellings (such as mobile homes and seasonal homes), as well as recreational and collectible vehicles like snowmobiles, watercraft, and motorcycles. More recently, American Modern added pet insurance and travel insurance to their lineup of offerings.

Their pet insurance policies are underwritten by American Modern Insurance Group Corp, but administered through Embrace Pet Insurance. American Modern Pet Insurance has an A+ (superior) rating from A.M. Best.

An overview of American Modern Pet Insurance

Available plans

Through its partner Embrace, American Modern Pet Insurance offers a comprehensive Accident and Illness coverage that covers chronic conditions, ER and specialist care, cancer treatment, emergency care, specialty care, diagnostic imaging (MRI, ultrasound, X-ray), behavioral therapy, veterinary exams, dental care, and prescriptions.

The company also covers hereditary and congenital conditions such as hip dysplasia, elbow dysplasia, and IVVD, as well as alternative therapy and rehab.

American Modern offers three different Wellness Coverage plans which can be purchased in addition to an existing Accidents and Illness policy. These plans cover routine care items, such as vaccinations, general checkups, tick, flea, and heartworm medications, spaying and neutering, prescriptions, and dental cleaning.

The waiting period for illnesses is 14 days, for accidents two days, and for cruciate and orthopedic issues it is six months. Pets can be enrolled as young as six weeks old, but the oldest age that you can enroll them is 14 years.

Exclusions

Like other pet insurance companies, American Modern doesn’t cover pre-existing conditions. The company also doesn’t cover breeding, pregnancy, or whelping, elective, preventative, or cosmetic procedures like ear cropping, tail docking, deworming, and declawing (except where medically necessary), as well as cremation or burial.

Pricing

Prices vary widely but, according to the company’s website, pet owners can expect to pay about $15 per month for cats and $35 per month for dogs.

American Modern offers several annual deductible choices, starting from $200 to $1,000. The reimbursement choices range from 70% to 90%, and the annual limits range from $5,000 to $30,000 (in all states except New York where the limit level is $15,000). The company offers unlimited coverage via phone enrollment in most states.

The three wellness plans come with three different limits: $250 allowance, $450 allowance, and $650 allowance that customers can use to cover preventive and routine care services.

Discounts

American Modern gives a 10% discount (5% in New York) for enrolling multiple pets, as well as a 5% discount for full-time military members. Customers can also save $12 if they decide to pay the entire year upfront and get a 5% discount for online payment through a bank. Neutered and spayed pets in the state of New York also get an additional 5% discount.

The company also offers pet insurance discounts for things like enrolling a service animal (such as a guide dog for the sight-impaired) or enrolling through a company plan.

Claims and reimbursement times

American Modern pet insurance claims are handled through Embrace. Customers can upload their claim form directly through Embrace’s online portal, mobile app, or they can choose to mail it or fax it. In general, claims are reimbursed within 14 days.

What we like about this coverage

American Modern’s coverage is quite comprehensive. A full-coverage plan means that all illnesses and accidents are covered (except pre-existing ones), and also includes veterinary exams, diagnostic testing, alternative therapies, prescriptions, and other services that are often left out by other insurers.

Pet owners who sign up for pet insurance through American Modern also get access to Embrace’s PawSupport, a 24/7 pet health line that connects them to vet experts if they have any questions about their four-legged friend.

What could be improved

One drawback is American Modern’s age limit for pet insurance enrollment. The provider will not insure a new dog or cat if they’re over the age of 14, however, existing policyholders will remain covered for the rest of their life.

Additionally, American Modern lacks a uniform offer for unlimited claim reimbursement, unlike some of their competitors such as Healthy Paws. The unlimited offer is only available if you apply for coverage by phone in some states.

Is American Modern Pet Insurance worth it?

American Modern Pet Insurance has one of the more comprehensive plans on the market and can be quite advantageous if you already have an insurance policy with the company. The wide range of customization options and discounts allows you to get affordable pet health insurance without sacrificing coverage.

However, the company sets a limit on maximum reimbursement per claim, which can be problematic for pets with chronic conditions. If you're wondering whether pet insurance is worth it.

To help you make an educated decision, we’ve created a series of pet insurance reviews that highlight the pros and cons of each provider in clear language that’s easy to understand. Conveniently view coverage details and policy terms at a glance to identify the best solution for your needs, then start your search for a free pet insurance quote.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes

Guides

How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey

California

Florida

Oregon

Texas

New York

Colorado

Pennsylvania

More States

Dog Insurance

German Shepherd

Rottweiler

Akita

Boxer

English Bulldog

French Bulldog

Great Dane

Pug

Corgi

Chihuahua

Poodle

More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

woman petting cat while working
5 minute read
What Cat Insurance Do You Need? It Depends
couple petting kitten
5 minute read
Bivvy Pet Insurance Review
woman on laptop playing with cat
6 minute read
When To Buy Cat Insurance: A Licensed Agent's Perspective
female kissing puppy on bed
6 minute read
Petco Pet Insurance Review
man petting australian shepherd
2 minute read
SWBC Pet Insurance Review
military couple sits with dog
2 minute read
Armed Forces Pet Insurance Review
girl holds cat's head in hands
5 minute read
PetPremium Pet Insurance Review
family and dog in rv
2 minute read
American Family Pet Insurance Review
get pet insurance through Pawlicy Advisor on TheZebra.com
2 minute read
Pawlicy Advisor Announces Partnership with The Zebra
dog with woman on computer
6 minute read
Is Farmers Pet Insurance Good? Here's How It Stacks Up
blue ribbon dog show winner
5 minute read
Is PetPartners Pet Insurance Good? Here's How It Stacks Up

5 minute read
Can You Switch Pet Insurance?
family at vet with dog
9 minute read
Pet Insurance vs Human Health Insurance
family in the kitchen with cat
4 minute read
Is Costco Pet Insurance Good? Here's How It Stacks Up
dog sits at desk with man
5 minute read
Allstate Pet Insurance Review
professional trainer walks dog pack on leash
4 minute read
Spot Pet Insurance Review
man petting golden retriever
5 minute read
Is USAA Pet Insurance Good?
beagle happy to get pet insurance
4 minute read
Liberty Mutual Pet Insurance Review
woman on computer next to dog
6 minute read
NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration
Kitten gets scratch under skin
5 minute read
AKC Pet Insurance Review
Black and orange cat receives pet
5 minute read
Nationwide Pet Insurance Review
Man holding beagle dog
6 minute read
Geico Pet Insurance Review
Chocolate puppy held by owner
5 minute read
Progressive Pet Insurance Review
Pug puppy and young woman
7 minute read
Is Healthy Paws Pet Insurance Good?
Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read
Is Trupanion's Pet Insurance Good?
Man holding new puppy
10 minute read
When's The Best Time to Get Pet Insurance?
Old Beagle dog sitting next to senior woman
9 minute read
Is Pet Assure Any Good? Here's How It Stacks Up
Woman sitting at desk signing paper with dog on lap
9 minute read
When Is Pet Insurance A Great Decision?
Beagle dog waiting
7 minute read
How Soon Does Pet Insurance Take Effect?
vet with toothbrush and a dog
7 minute read
Pet Dental Insurance: How to Find the Best Plan
Pawlicy Advisor Team with Logo
4 minute read
Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment
Senior boxer dog
7 minute read
Pet Insurance For Older Pets: Is It Worth It?
walmart storefront
8 minute read
Is Walmart Pet Insurance Good? Here’s How It Stacks Up
banfield pet insurance wellness info and review
9 minute read
Banfield Wellness Plan Info & Review: Everything You Need to Know
wagmo wellness info and review
10 minute read
Is Wagmo Pet Insurance Good? Here's How It Stacks Up
Canine Journal vs. Pawlicy Advisor
10 minute read
Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance
dog looking out window
2 minute read
Three Things to Look for When Comparing Pet Insurance Companies
petinsurancereview vs pawlicy advisor pet insurance
10 minute read
PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?
Policygenius vs Pawlicy Advisor pet insurance
10 minute read
Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?
lemonade's pet insurance cats and dogs
9 minute read
Is Lemonade's Pet Insurance Good? Here's How It Stacks Up
Happy dog receives affection from owner
13 minute read
Are Pet Wellness Plans Worth It For Routine Care?
Kitten at a veterinary appointment
13 minute read
Is Cat Insurance Worth It? Ask An Expert
happy pet parent loving on her dog
22 minute read
Fascinating Pet Insurance Statistics 2019-2020
Dog at a veterinary clinic
14 minute read
Is Pet Insurance Worth Getting for Your Dog?
Two dogs running happy and healthy
10 minute read
Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies
smiling dog
7 minute read
3 Ways To Use Pet Insurance Like A Pro
rescue dog and cat
14 minute read
Pet Insurance For Rescue Dogs (And Cats) - It's Easier Than You Think
cat and dog together outside
17 minute read
How to Get the Best Pet Insurance Plan, No Matter the Provider
dog with loving pet owner
17 minute read
Average Pet Insurance Cost in 2022 by Breed, Age, & State
pet insurance comparison showcase
11 minute read
How To Compare Pet Insurance Plans
Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo