Pet Insurance

Don't let cost stand in the
way of your pet's care.

Pet Insurance

Start your Pet quote

Give your pet access to the care he or she needs.

Why choose Embrace Pet Insurance from AAA?

  • 5% Discount for AAA Members*
  • Up to 90% back on vet bills
  • Customize your monthly premium to fit your pet and budget

Coverage^ includes:

  • Accidents & illnesses
  • Diagnostic testing and exam fees
  • Breed-specific & genetic conditions
  • Chronic conditions
  • Emergency & specialist vet care
  • Cancer diagnosis & treatment
  • Hospitalization & surgery
  • Behavioral treatment
  • Alternative treatment & rehab
  • Prescription medications
  • Preventable conditions

Savings for AAA Members.

  • 5% Discount for AAA members*
  • 10% Discount for multiple insured pets*
  • 5% Discount for military personnel*
  • Reduce your deductible by $50 every year without an insurance claim reimbursement

No networks, visit any licensed veterinarian, including emergency and specialist vets.

  • Bring your pet to a vet
  • Pay the vet directly
  • Submit your claim to Embrace
  • Covered conditions get reimbursed

Once you've signed up for pet insurance, your pet is covered for life, as long as your premium is paid. Your pet's coverage won't be canceled or reduced based on its age or health status, or the claims you've filed, either.


Embrace Pet Insurance offers an optional, non-insurance wellness plan for preventative care.

Wellness Rewards** is a budgeting tool that can be added to any policy to help reimburse for preventative care, including spay/neuter surgery, vaccinations, wellness exams, training, grooming, nail trims, teeth cleaning, flea/tick/heartworm preventatives and more. You can use your wellness plan for any allowable product or service up to your annual allowance.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Moderns Insurance Group, Inc, including American Moderns Home Insurance Company d/b/a in CA as American modern Insurance Company (Lic. No. 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwritten review, and approval, and may not be available for all the risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefits administered by Embrace Pet Insurance Agency in the United States. ©2021 American Modern Insurance Group, Inc.

^Pre-existing conditions are not covered by any pet insurance.

*Discounts, savings, and coverage varies by state and is subject to change without notice.

**Wellness Rewards is a supplemental non-insurance benefit administered by Embrace Pet Insurance in the United States.