CaliforniaEmbrace rated from 2 filings · current page
Your dogFrench Bulldog · puppy, under 115 years of cover
Prices and ratings on this page are for the French Bulldog, enrolled as a puppy. Turn on JavaScript to choose your dog's breed and age.
Embrace is underwritten in California by American Modern Home Insurance Company. At filed rates the French Bulldog costs $158 a month at age 2 and $637 at age 12; the 15-year total is $68,914.[1] The last approved increase was +23.5%, effective 15 May 2025.[2]
Coverage
Coverage flags used for the coverage score
Unlimited annual limit available
yes
Exam fees in base
yes
Dental illness in base
yes
Prescription food
no
Curable conditions can return to coverage
yes
Illness waiting 14 days or less, waivable
yes
Hereditary conditions in base
yes
Direct vet pay
no
No upper enrollment age
no
The 180-day orthopedic figure is a lifetime exclusion in policy PET00 (02/24): cruciate ligament disease, IVDD, patellar luxation or hip dysplasia that show signs in the first 180 days are never covered. Other illnesses wait 14 days; the wait is waived if a vet exam after the start date finds no conditions. Without a vet exam in the 12 months before or the 14 days after the start date, the policy is accident-only until an exam. Exam fees and medications are standard in the current manual (24-1315) and can be removed for 11.45% and 12.21% discounts; filing 26-812 relabels them optional. Dental illness has a $1,000 annual sublimit. Accident and illness enrollment ends at 14. Accident-only enrollment at 15 and older appears only in the guidelines filed with pending filing 26-812.
Scores in California [sort by any column · click a brand for the breakdown]
Scores in California: scores A to F out of 10, weighted total, lifetime cost for the dog chosen above and coverage score. Column headers sort the table; brand buttons open the score breakdown.
1
4.7
2.5
7.7
4.1
5.0
n/d
4.6
$68,914
8.0
Score breakdown for Embrace
A. Lifetime cost4.7
B. Age curve2.5
C. Generosity (loss ratio)7.7
D. Rate increases4.1
E. Price structure5.0
F. Customer treatmentno data
Coverage (separate)8.0
Underwriter
American Modern Home Insurance Company
Last filing
24-1315 · +23.5%
Dog
French Bulldog, 15-year cost
Age 12 vs age 2
4.0× ($158 → $637/mo)
※
Underwriting age x tenure matrix: the factor rises with every year insured, so a dog enrolled as a puppy pays more at 7 than a dog enrolled at 7. Approved manual 24-1315 gives a Healthy Pet discount (5% or 10%) only to pets with paid claims of $300 or less; filed 26-812 replaces it with a Claim History factor from 0.95 to 4.77. One-time $25 admin fee; multi-pet 10%; discounts capped at 25%.
Re-weight the scales yourself · total is a weighted average over scales with data (methodology v1)
F (customer treatment) has no data yet for California, so its weight changes nothing until that data is in. Coverage is scored separately and never counted in the total.
Why these scores
D. Rate increases 4.1
Exhibit 20 of filed 26-812 projects 46.8% of California policies above +30% under the requested rates; the input is left blank because the filing is pending and CDI's final actuarial opinion of 9 October 2026 puts the maximum increase at 25.3%.
E. Price structure 5.0
Tenure is priced through the underwriting age x tenure matrix, and claims raise the price through the Healthy Pet discount in approved 24-1315 and the Claim History factor in filed 26-812.
F. Customer treatment no data
No regulator penalty or mass non-renewal found in the sources; filed 26-812 adds a conditional-renewal rule that would apply to 838 California policies under the requested rates.
From filing 26-812, effective 1 Feb 2027, priced at the unlimited limit. 15-year total $68,914 at today's filed rates.[1]
This table is for the French Bulldog, enrolled as a puppy. The chart below follows the dog chosen above.
All numbers: Embrace, monthly premium by age
Embrace: monthly premium by age, french bulldog, male, enrolled at 0, $1,000 deductible, 90%, unlimited limit, filed rates effective 1 Feb 2027
Age
$/month
$/year
0
$195
$2,340
1
$137
$1,648
2
$158
$1,896
3
$181
$2,176
4
$209
$2,503
5
$240
$2,876
6
$276
$3,311
7
$317
$3,808
8
$364
$4,368
9
$418
$5,021
10
$482
$5,782
11
$554
$6,653
12
$637
$7,648
13
$732
$8,782
14
$842
$10,104
Total over 15 years
$68,914
Compared with other brands in California
Monthly premium for the French Bulldog in California at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
26-812: CDI file 26-812 (SERFF AMMH-134910014), submitted 7 May 2026; the requested effective date for new and renewal business is 1 February 2027. Still pending on 13 October 2026. In its objection of 9 October 2026, CDI gave its final actuarial opinion: the maximum rate increase is +25.3%. CDI uses the latest 12-to-24-month loss development factor (1.078) instead of the company's three-year average (1.089), and only the eight most recent rolling four-quarter points for trend. Requested and indicated: +29.7% overall (Prior Approval Rate Application: accident and illness +29.9%, accident only −6.3%). The SERFF rate summary shows changes for individual pets from −68% to +393%, 76,438 policyholders and $95.25 million of written premium. Loss ratio (CDI Ratemaking Data, PDF page 463, California accident and illness, year ending 30 September 2025): losses of $52,384,680 (no DCCE) over earned premium of $75,724,196 = 69.2%, before loss development (the company's factor is 1.093) and trend (13.0% a year). Developed, trended and brought to the current rate level, the rate template shows 85.5% (LossDCCERatio_Adjusted, page 465). Annual statement, California inland marine line, which the filing reconciles to this program: incurred loss ratio 69.5% in 2022, 78.3% in 2023 and 76.6% in 2024. The CDI efficiency standard for this program is 29.5% of premium. The 64% permissible ratio is the rate template's Max_Denom (page 465), the denominator CDI's formula uses at the maximum allowed profit of 10.9%. The company states no target or permissible loss ratio of its own. The rate pages are PROPOSED, not approved. They come from the company's fourth version of the proposed manual (CA077PET-D, 25 August 2026), and Embrace's California prices on this site will change if CDI approves a different version. Rates in force today come from the manual of 15 May 2025 (filing 24-1315), which has a dog accident and illness base rate of $318.82 (proposed: $472.49), different breed, age and tenure factors, a healthy-pet discount of 5% or 10% and no claim history factor. Previous approved change: 24-1315, filed 3 July 2024, approved 19 December 2024, effective 15 May 2025, +23.5% overall (the SERFF summary rounds it to 24%). Earlier approved changes (rate change history exhibit): 23-1660 +23.1% effective 14 May 2024; 22-2456 +4.0% effective 1 July 2023; 21-1362 +5.7% effective 27 August 2022; 19-1189 +14.9% effective 4 April 2020; 18-1960 +9.4% effective 27 December 2018. Rating algorithm (page RA-1), dog accident and illness: annual premium = base rate × species and gender × breed group × underwriting age and tenure × territory × annual maximum × reimbursement × deductible × claim history. The monthly payment is the annual premium ÷ 12, with no installment fee. Underwriting age is the age at enrollment, and tenure is the number of completed policy terms. The filed table covers enrollment ages 0–14 and tenure 0–15 plus '16+', which is stored here as 16. Claim history is new in this filing and replaces the healthy-pet discount. The factor is 1.00 for a new pet and 0.95 at each renewal if every year on record (up to three) had less than $500 of paid claims. If one of those years had $500 or more of paid claims, the factor is 1.09 at ages 1–4, 1.25 at ages 5–9 and 1.44 at age 10 and over. If two of those years did, it is 1.37 at ages 2–4, 1.84 at ages 5–9 and 2.48 at age 10 and over; if all three did, 1.84 at ages 3–4, 2.99 at ages 5–9 and 4.77 at age 10 and over. These ages are the dog's actual age (pages CH-1 to CH-5). The company puts the premium impact of the claim history factor at +22.5%. Prices here assume a claim-free dog. ZIP 90001 is territory 2 (1.17); the four territory factors are 1.00, 1.17, 1.38 and 1.61. Physical exam and medication coverage are included in the base rate, and excluding them earns a discount (−11.45% and −12.21% in the current manual). A $25 administration fee is charged once, for the first pet on the account. Discounts are not applied: multi-pet 10%, military 5%, affinity group 4%, service dog 5%, employee group 10% and AAA 5%, with a combined cap of 25%.
24-1315: CDI file 24-1315 (SERFF AMMH-134161654), American Modern Home Insurance Company, Pet Insurance Program (inland marine), a rate, rule and form filing. The documents of 24-1315 were not obtained; all values come from Embrace's later California filing 26-812 (SERFF AMMH-134910014). Its filing history (PDF page 273) gives filed 3 July 2024, approved 19 December 2024, effective 15 May 2025. It lists one effective date, used here for both new and renewal business. Its rate change history (page 274) gives +23.5% for Full Coverage (accident and illness), +31.6% for Accident Only and +23.5% combined. The stacked rate changes page (page 482) gives an approved impact of 23.5% effective 15 May 2025. The SERFF rate summary of 26-812 (page 134) rounds the last rate revision to 24.000%. In 26-812, CDI's objection of 18 June 2026 also describes 24-1315 as approved for an overall 23.5% increase effective 15 May 2025. The requested and indicated changes of 24-1315 are not given in 26-812, so none is recorded here. This is the approved filing in force for Embrace in California on 13 October 2026: in filing 26-812, CDI calls it the last approved rate filing and the company calls it the current approved filing (PDF pages 19 and 810 of 26-812). Its rate manual, CA077PET(05-15-2025), is included in 26-812 as the current manual, with a dog accident and illness base rate of $318.82 (26-812, PDF page 549). Those rate pages are not encoded here: Embrace's California prices on this site come from the proposed manual in filing 26-812, which is still pending. The company's reply in 26-812 (PDF page 782) says the current policy language, in policy PET00 (edition 02/24), was approved with this filing on 19 December 2024 and took effect on 15 May 2025. Earlier approved changes (26-812 rate change history, combined): 23-1660 +23.1%, filed 8 June 2023, approved 23 February 2024, effective 14 May 2024; 22-2456 +4.0%, filed 5 October 2022, approved 9 March 2023, effective 1 July 2023; 21-1362 +5.7% effective 27 August 2022; 19-1189 +14.9% effective 4 April 2020; 18-1960 +9.4% effective 27 December 2018.
References
1.↑California Department of Insurance, WARFF. American Modern Home Insurance Company, Pet Insurance Program, rate filing 26-812. Effective 1 Feb 2027. Requested +29.7%, indicated +29.7%. source
2.↑California Department of Insurance, WARFF. American Modern Home Insurance Company, Pet Insurance Program, rate filing 24-1315. Effective 15 May 2025. Approved +23.5%. source
3.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
Added BBB and Trustpilot ratings checked on 13 October 2026
Corrected the age rule: accident-only enrollment at 15 and older appears only in the guidelines filed with pending 26-812. Moved the Florida rate filings to unverified because their direction is not public. Corrected the Claim History ages, the 2022 accident-only example, the 60-day cancellation clause and the Florida group attribution
First draft from California filing 26-812 and the Florida IRFS filing list