The short answer
A transaction for EMBRACE* PET INSURANCE represents a monthly or annual dog/cat medical and wellness insurance premium from Embrace Pet Insurance Agency, LLC (American Modern).
Why it shows up like this
The billing descriptor EMBRACE* PET INSURANCE indicates a monthly premium payment for Embrace Pet Insurance Premium (American Modern), distributed by Embrace Pet Insurance Agency, LLC. Embrace partners with American Modern Insurance Group to underwrite healthcare coverage for dogs and cats, reimbursing veterinary expenses related to unexpected illnesses and accidental injuries.
This charge appears as an automatic monthly debit on your credit card or checking account to keep your pet policy active. Monthly premiums vary based on your pet's breed and selected deductible. In addition to core medical coverage, premiums can reflect an optional Wellness Rewards allowance that covers routine vet visits or grooming. Pet parents who compare providers like Trupanion or Nationwide will notice similar monthly billing schedules designed to avoid any lapse in animal healthcare coverage.
To review policy documents or verify premium payments, sign in to your policyholder account through the MyEmbrace customer portal. You can view policy details or adjust coverage limits to reduce your monthly costs. If you need to cancel a policy or believe a payment was taken in error, contact Embrace customer service by telephone before disputing the transaction with your bank.
Common reasons for this charge
- A monthly insurance premium payment for active dog or cat medical coverage.
- A Wellness Rewards preventative care wellness plan add-on payment.
- An annual policy renewal payment.
How to locate the invoice and cancel
- Sign in to MyEmbrace Go to embracepetinsurance.com and log in to your MyEmbrace policyholder account.
- Review Policy & Invoices review to Policy Overview > Billing to view premium receipts and claim reimbursements.
- Cancel Policy Call Embrace customer service at 1-800-511-9172 to cancel coverage.
Frequently Asked Questions
Does Embrace offer a money-back policy?
Embrace offers a 30-day free look period allowing a full refund if no claims were paid during the first 30 days.
What is Embrace's diminishing deductible?
For every year you do not receive a claim reimbursement, Embrace reduces your annual deductible by $50.
Dispute Rights & Fraud Prevention
If you did not enroll a pet with Embrace, contact their support and your financial institution.
Dispute unauthorized transactions under the Fair Credit Billing Act within 60 days of the statement date.
How do I contact Embrace customer support?
Call 1-800-511-9172 or visit embracepetinsurance.com.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with Embrace Pet Insurance Agency, LLC. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Embrace Pet Insurance Terms & Policy Provisions https://www.embracepetinsurance.com
- NAIC: Pet Insurance Policy Standards https://content.naic.org
Reviewed Aug 15, 2026 · high · About UnknownCharges