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American Modern Pet Insurance Review

Our team reviewed American Modern’s Pet Insurance coverage plans, pricing, and overall customer satisfaction scores.

Our Final Grade: B+

American Modern Pet Insurance Logo

American modern Insurance offers home, auto, vacation and other different types of insurance.

As our pets have become an integral part of our lives, American Modern Insurance also offers pet insurance.

American Modern pet insurance is offered through their partner, Embrace Pet Insurance.

In fact, American Modern Insurance Company and American Southern Home Insurance Company both underwrite Embrace’s policies.

American Modern Pet Insurance Highlights

  • A $650 dental care allowance (optional)
  • Bundle auto insurance and homeowners with pet insurance.
  • Wellness plans available
  • 90% reimbursement choice
  • Alternative therapy options


American Modern Pet Insurance, through its partner Embrace, offers very comprehensive illness and accident coverage with varying amounts of benefit limits, reimbursement levels, and deductibles.

All of their plans include the following:

  • Accidents and Illnesses
  • Hereditary Conditions
  • Wellness & Routine Care (optional)
  • Chronic conditions
  • Cancer Treatment
  • Alternative Therapies & Rehab
  • Diagnostic imaging:  X-ray, ultrasound, MRI
  • ER & specialist care
  • Dental care
  • Vet exam fees
  • Behavioral Therapy
  • Prescriptions (only additional in NY)
  • Wellness plan options
  • Specialty Care
  • Cruciate Ligament Issues
  • Emergency care

Wellness Plans

American Modern offers 3 different wellness plans with 3 different limits:

  • $250 allowance
  • $450 allowance
  • $650 allowance

Wellness plans are in addition to an existing comprehensive policy for a monthly fee.   You choose which of the three plans you want with the different allowance amounts offered.

vet holding dog and cat with American Modern Pet InsuranceYou can use the allowance for some of the following procedures:

  • Heartworm
  • Flea prevention
  • Neutering and Spaying
  • Prescriptions
  • Routine vet visits
  • Dental cleaning/periodontal disease
  • Vaccinations

A few providers offer wellness plans.

While at first glance, they might seem beneficial, the reality is that most of these procedures are inexpensive and affordable.  Therefore, it’s not really worth the extra monthly price.

Hereditary and Breed- Specific Conditions

Hereditary and breed-specific conditions (also known as congenital conditions) are covered with American Modern.

Pet insurance can really help with coverage of these kinds of illnesses and conditions because they sometimes don’t show symptoms until later in life.

And having already enrolled in pet insurance will help cover these costs before they become pre-existing.

Some examples of hereditary and breed-specific conditions:

Alternative Therapy Treatment

American Modern pet insurance is one of the few pet insurance providers, like Healthy Paws, that offers alternative therapy treatment.

Some of the different therapy offered are the following:

  • Physical therapy
  • Hydrotherapy
  • Acupuncture
  • Chiropractic care
  • Laser therapy

Alternative Therapy is a good option for older pets because it is more therapeutic and less invasive.

Benefit Limits

American Modern’s benefit limit levels are $5,000-$30,000 in all states except NY where is it $15,000. In most states, they offer Unlimited coverage via phone enrollment

It’s beneficial to have the various benefit limit levels to help keep the premiums down.

But, they don’t offer the choice of unlimited benefits, like Healthy Paws, which is always a good choice because you never have to worry about spending more than their limit.

With one serious illness, you could be looking at a $20,000 vet bill and you won’t have the proper coverage.

A very young cat or dog might be OK with these limits, but even young pets can get expensive illnesses or injuries (which is why it’s best to insure your pets while they are young).

Reimbursement Method

Reimbursement choices are from a low of 70% to a high of 90%.

Reimbursements are paid on the actual vet invoice, which is preferable.

If you are looking to lower your monthly premium, then choose the lower reimbursement levels.

It is rare to offer a 100% reimbursement rate, but Figo does just that!

Wellness plans are reimbursed according to the plan you choose and are from a low of $250 to the highest reimbursement plan of $650.

Deductible Types

American Modern offers many annual deductible choices: the lowest offered is $200 and the highest is $1,000.

As the name implies, annual deductibles are paid one time each year on the first veterinary bill.

Annual deductibles (rather than per-incident) are favorable since you know exactly what you will pay each year.

The higher deductible that you choose, the lower your monthly deductible will be.

How Much Does American Modern Pet Insurance Cost?

American Modern Pet insurance plans are competitively priced.

The price is not only calculated by the plan you choose but also the breed of cat or dog you are insuring, their age and where you live.

  • The starting monthly premium for their dog insurance is approximately $30.
  • The starting monthly premium for their cat insurance is approximately $20.

An additional discount is available for the following:

  • Multi-pet enrollment – 10% discount (5% in NY)
  • Paying the entire year upfront – $12 savings
  • Spayed and Neutered cats or dogs – 5% discount (only in NY)
  • Members of the military – 5% discount
  • Online payment through bank – 5 % discount

Claims Process

The Claims at American Modern are handled through Embrace and are very straight forward.

Embrace has an online portal, MyEmbrace, which allows you to directly upload your claim form.  Of course, you can fax or mail it as well. They also have a mobile app that is available on IOS and Android.

Claims are generally reimbursed within two weeks after they receive all the pertinent information.

Included in your pet insurance is PawSupport that allows you to have access to vet experts if you have any questions about your pets.

Waiting Periods and Enrollment

The waiting periods for American Modern Pet Insurance are as follows:

  • Accidents are 2 days, illnesses are 14 days
  • Cruciate & Orthopedic Issues: 6 months (can be lowered to 14 days with the completion of orthopedic report card)
  • Cats and dogs can be enrolled when they are six weeks old
  • The oldest age that you can enroll dogs and cats is 14 years

Your policy will automatically renew each policy year.  If you want to cancel your policy, a 2 to 4-week notice is required.

Frequently Asked Questions

Are there any exclusions with American Modern?

Yes.  As is typical of most pet insurance companies, pre-existing conditions aren’t covered, anything pregnancy-related, tail docking, ear cropping or any elective procedure.

Are there any differences in their coverage offered in their various plans?

Well, the treatment and services offered are the same in all of their plans.

Prescription medications are covered without a rider in all states except NY, where an additional payment and rider are required.

The difference is mostly in the benefit levels you choose, reimbursements and deductible.

Are there any age restrictions?

Yes.  Cats and dogs can be enrolled only up to 14 years old.

But, if you are already a member of American Modern, your coverage will continue for the lifetime of your pet.

What are the differences between their wellness plans?

The difference is the pricing and services offered.  The higher end or $650 wellness plan gives you a bigger allowance to spend on preventative services like dental cleaning and periodontal care.

The lowest level offers an allowance of up to $250.

Final Thoughts on American Modern Pet Insurance

American Modern pet insurance offers a variety of plans which is very favorable because you can really customize the policy according to your pet’s needs and your budget.

It would be nice if they had an unlimited benefit option, like Healthy Paws, so you never have to worry about your limitations. The unlimited offer is only available in most states via phone enrollment.

If you are thinking of enrolling, you might want to choose the highest benefit level for just that reason.

Their coverage is comprehensive and if you are already an American Modern Insurance policyholder, it can be very advantageous to you.

To find out more about American Modern Pet Insurance, you can go to their site and get a quote to see if their pricing works for you and your pet.

Fetch Rates with American Modern Insurance!

You can also call them at 1-800-340-3039.

Or go to Embrace directly and get a quote for your pet.

If you would like some additional pet insurance companies to review, take a look at our top 10 pet insurance companies to give you more options!

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