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.


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.


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.


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.

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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.

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