Amica Pet Insurance 2025: Full Review, Pros & Cons
Our expert's opinion on Amica
Amica's pet insurance, administered by Embrace and underwritten by American Modern Home Insurance Company, offers accident and illness coverage with flexible plan choices for U.S. pet owners.
Plans are offered in three Accident & Illness tiers with reimbursement rates of 70% (two tiers) and 90% (one tier), annual limits of $2,000, $5,000 or $10,000, and customizable annual deductibles; routine wellness care and vaccination coverage are not included and there are no dedicated wellness budgets. Compared with larger standalone pet insurers, Amica (via Embrace) emphasizes customizable deductibles and higher-limit options at competitive but variable premiums, prioritizing focused accident-and-illness protection over broad wellness add-ons.
Best suited for owners seeking customizable accident-and-illness coverage for younger to middle-aged pets and for those willing to manage routine care separately.
The product is administered by Embrace and underwritten by American Modern, with a strong customer sentiment on claims: Trustpilot 4.4/5 from 5,752 reviews, and reviewers commonly report helpful service, quick responsiveness, and efficient claims handling.
- ✅Customizable annual deductibles and reimbursement levels
- ✅Three annual limit tiers up to $10,000
- ✅90% reimbursement option available
- ✅Covers emergency transport costs
- ✅Telemedicine consultations included when exam fees covered
- ✅Alternative medicine coverage for selected therapies
- ✅Administered by Embrace; underwritten by American Modern
- ❌No dedicated wellness budgets or routine care coverage
- ❌Dental prophylaxis (cleaning) excluded
- ❌180-day waiting period for key orthopedic conditions
- ❌Extensive pre-existing condition and owner-related exclusions
- ❌Higher premiums for certain breeds and older pets
Score- ✅Customizable annual deductibles and reimbursement levels
- ✅Three annual limit tiers up to $10,000
- ✅90% reimbursement option available
- ✅Covers emergency transport costs
- ✅Telemedicine consultations included when exam fees covered
- ✅Alternative medicine coverage for selected therapies
- ✅Administered by Embrace; underwritten by American Modern
Our expert's opinion on Amica
- ✅Customizable annual deductibles and reimbursement levels
- ✅Three annual limit tiers up to $10,000
- ✅90% reimbursement option available
- ✅Covers emergency transport costs
- ✅Telemedicine consultations included when exam fees covered
- ✅Alternative medicine coverage for selected therapies
- ✅Administered by Embrace; underwritten by American Modern
- ❌No dedicated wellness budgets or routine care coverage
- ❌Dental prophylaxis (cleaning) excluded
- ❌180-day waiting period for key orthopedic conditions
- ❌Extensive pre-existing condition and owner-related exclusions
- ❌Higher premiums for certain breeds and older pets
Score- ✅Customizable annual deductibles and reimbursement levels
- ✅Three annual limit tiers up to $10,000
- ✅90% reimbursement option available
- ✅Covers emergency transport costs
- ✅Telemedicine consultations included when exam fees covered
- ✅Alternative medicine coverage for selected therapies
- ✅Administered by Embrace; underwritten by American Modern
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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
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Amica Guarantees
Amica offers three core accident & illness plans positioned to suit different budgets and needs: an entry-level option with a lower annual limit, a mid-tier balanced plan, and a premium plan with higher reimbursement and a larger annual maximum. Coverage is administered by Embrace Pet Insurance Agency LLC and underwritten by American Modern Home Insurance Company, and policyholders can choose among several annual deductible levels, reimbursement percentages, and annual maximums to tailor out‑of‑pocket exposure.
Deductibles are presented as annual amounts in the available plan configurations, and reimbursement is applied to eligible charges after the annual deductible is met; available examples show combinations such as 70% reimbursement with modest limits and a 90% reimbursement with a higher annual limit. Waiting periods include a short illness waiting period (14 days) and specific orthopedic waiting periods (180 days for conditions such as cruciate injuries, IVDD and related orthopedic events), while accident waiting-period detail is not communicated.
Key medical services such as surgery, imaging, lab tests, emergency care and specialist consultation are available under the plans, and alternative medicine options are explicitly allowed; certain emergency transportation (pet ambulance) and telemedicine consults can be covered under defined conditions. Preventive care, routine dental prophylaxis, parasite prevention, vaccinations and elective procedures are excluded from core coverage unless an optional or separate benefit applies, and a range of administrative or non‑medical fees (boarding, transport, some consultation/exam fees) are also excluded.
Strengths include flexible plan customization, coverage for core diagnostic and surgical treatments, and specific emergency transport and telemedicine provisions; notable limitations are explicit orthopedic waiting periods and extensive exclusions for pre‑existing conditions, routine and elective care, and certain alternative therapies.
| Plan 1 | Plan 2 | Plan 3 | |
|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Premium |
| Type of coverage | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered | Dogs, Cats | Dogs, Cats | Dogs, Cats |
| Reimbursement rate | 70% | 70% | 90% |
| Annual reimbursement limit | $2,000 | $5,000 | $10,000 |
| Deductible (annual or per claim) | $1,000 (annual) | $500 (annual) | $100 (annual) |
| Age limits for enrollment | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | Veterinary exam required | Veterinary exam required | Veterinary exam required |
| Waiting period (accident) | N.C. | N.C. | N.C. |
| Waiting period (illness) | 14 days | 14 days | 14 days |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Optional (if selected) | Optional (if selected) | Optional (if selected) |
| Medications | N.C. | N.C. | N.C. |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging, lab) | Yes | Yes | Yes |
| Dental care | No (prophylaxis excluded) | No (prophylaxis excluded) | No (prophylaxis excluded) |
| Preventive care | No | No | No |
| Alternative medicine | Yes | Yes | Yes |
| Travel coverage | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | No | No | No |
| Death & cremation coverage | Death: No / Cremation: N.C. | Death: No / Cremation: N.C. | Death: No / Cremation: N.C. |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No |
Pre‑existing conditions are excluded across the plans, including conditions with prior signs, symptoms, or treatment before policy start or during waiting periods; bilateral and chronic conditions identified before coverage are also treated as pre‑existing. Orthopedic conditions such as cruciate ligament injuries, intervertebral disc disease (IVDD), patellar luxation and hip dysplasia are subject to a specific 180‑day orthopedic waiting period and may be excluded if prior signs exist.
Preventive, routine and elective care—including wellness exams, vaccinations, parasite prevention, spaying/neutering (unless medically necessary), routine dental prophylaxis, special diets and supplements—are not covered under the core plans, and a range of administrative or non‑medical fees (consultation/exam fees in some contexts, boarding, transport) are also excluded. Key limitations for buyers to consider are the plan limits and deductible structure that determine actual cashflow at claim time, the orthopedic waiting period and strict pre‑existing condition rules, and several items and therapies that must be purchased as optional benefits or are explicitly excluded.
Amica Exclusions
Amica’s exclusions focus on common insurance limits with a few notable specifics: pre‑existing conditions are broadly excluded and interpreted to include bilateral conditions and future IVDD if a prior episode existed, which can curtail coverage for progressive or related problems.
A distinct 180‑day orthopedic waiting period applies to cruciate injuries, IVDD, patellar luxation, and hip dysplasia, a longer preclusion than some competitors and an important consideration for breeds prone to joint disease.
The policy also restricts repetitive incident claims (limits on multiple foreign‑body removals), excludes food and supplement costs, behavioral problems with prior history, owner‑caused injuries, and cosmetic/breeding procedures, while high‑cost treatments like organ transplants and many experimental therapies are not covered.
Major non‑medical exclusions include losses from declared pandemics, war, or nuclear events, and medical boarding or similar administrative expenses are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (including bilateral conditions and related future incidents); dental prophylaxis/cleaning excluded; organ transplants; prescription or non‑formulary medications excluded; experimental therapies excluded |
| Orthopedic & chronic conditions | Cruciate ligament injuries, IVDD, patellar luxation, and hip dysplasia excluded within a 180‑day waiting period; chronic or recurring orthopedic conditions treated as pre‑existing when prior signs or treatment exist |
| Behavioral & owner‑related exclusions | Pre‑existing behavioral issues excluded; injuries caused deliberately by owner/caregiver; conditions resulting from persistent neglect or failure to follow veterinary vaccination advice |
| Repetitive incidents & procedural limits | Only first anesthetic removal of an ingested foreign body covered per policy term; repeated similar incidents may be excluded after specified occurrence thresholds |
| Cosmetic, breeding & activity exclusions | Breeding, pregnancy, whelping/queening expenses excluded; cosmetic procedures (tail docking, ear cropping, declawing) excluded; injuries from racing, commercial guarding, or organized fighting excluded |
| Non‑medical & administrative exclusions | Foods, vitamins, and natural supplements excluded; medical boarding and related administrative fees excluded; cremation/burial and similar after‑life procedures excluded |
| Alternative & specific treatment exclusions | Specific alternative treatments excluded (e.g., Reiki, magnet therapy, ozone therapy, nutritional counseling); many holistic or investigational treatments not covered |
| Major events & external causes | Losses from declared pandemics, acts of war, invasion, or nuclear events excluded |
Amica Prices
Amica’s pricing sits broadly in the mid-range of the market, offering a clear three-tier structure that balances affordability with the option to purchase higher reimbursement and larger annual limits. The lowest-cost plan targets budget-conscious owners with higher deductibles and lower annual caps, while the top-tier option raises the reimbursement percentage and annual limit, positioning it closer to a premium offering for owners who anticipate higher lifetime veterinary costs.
Reimbursement rates, deductible choices, and annual coverage limits are the primary levers that determine monthly premiums and value for owners; higher reimbursement (e.g., 90%) and lower deductibles increase monthly cost but reduce out-of-pocket exposure when major treatment is needed. Amica’s competitiveness is also influenced by digital cost structures and added-value services such as telemedicine access and emergency transport coverage, which can justify slightly higher premiums compared with carriers that do not include these conveniences.
To help you find the best match between your needs and budget, compare the monthly estimated prices by profile.
| Profile of the animal | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Dog Labrador 1 year | $36.55 | $93.90 | $193.48 |
| Dog Labrador 3 years | $31.92 | $82.02 | $171.65 |
| Dog Labrador 7 years | $45.36 | $116.56 | $243.91 |
| Dog Australian Shepherd 1 year | $29.61 | $76.09 | $159.22 |
| Dog Australian Shepherd 3 years | $25.87 | $66.47 | $139.09 |
| Dog Australian Shepherd 7 years | $36.76 | $94.45 | $197.65 |
| Dog French Bulldog 1 year | $56.07 | $144.08 | $301.50 |
| Dog French Bulldog 3 years | $48.98 | $125.86 | $263.38 |
| Dog French Bulldog 7 years | $69.61 | $178.85 | $374.27 |
| Cat European Shorthair 1 year | $12.71 | $32.66 | $68.34 |
| Cat European Shorthair 3 years | $13.81 | $35.48 | $74.24 |
| Cat European Shorthair 7 years | $17.89 | $45.97 | $96.18 |
| Cat Maine Coon 1 year | $20.53 | $52.75 | $110.38 |
| Cat Maine Coon 3 years | $22.30 | $57.30 | $119.93 |
| Cat Maine Coon 7 years | $28.90 | $74.24 | $155.37 |
| Cat British Shorthair 1 year | $20.53 | $52.75 | $110.38 |
| Cat British Shorthair 3 years | $22.30 | $57.30 | $119.93 |
| Cat British Shorthair 7 years | $28.90 | $74.24 | $155.37 |
Amica Promo Codes
| Amica Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Amica?
Reimbursements with Amica work by first applying your annual deductible, then reimbursing the chosen percentage of the remaining eligible veterinary expenses up to your annual limit.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $250 (consultation + medication)
Deductible amount to subtract: $100 (this is the annual deductible and has not yet been met)
Amount reimbursable after deductible with the Optimal plan: $250 – $100 = $150
90% of that amount reimbursed: $150 × 90% = $135
Remaining out-of-pocket cost: $250 – $135 = $115
👉 You receive a reimbursement of $135.
ℹ️ *The deductible applies once per policy year; you pay the deductible plus any remaining copay.*
✅ Example 2: Cruciate ligament repair (TPLO surgery)
Total vet costs: $4,500 (surgery, imaging, hospitalization, meds)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable with the Optimal plan: $4,500 × 90% = $4,050
Remaining out-of-pocket cost: $4,500 – $4,050 = $450
👉 You receive $4,050.
ℹ️ *Orthopedic conditions often have a specific waiting period; confirm your policy’s waiting periods before assuming coverage.*
✅ Example 3: Emergency hospitalization and diagnostics
Total vet costs: $1,200 (ER visit, diagnostics, meds, 24‑hr care)
Deductible amount to subtract: $100 (annual deductible not yet met)
Amount reimbursable after deductible with the Optimal plan: $1,200 – $100 = $1,100
90% of that amount reimbursed: $1,100 × 90% = $990
Remaining out-of-pocket cost: $1,200 – $990 = $210
👉 You receive a reimbursement of $990.
ℹ️ *Reimbursements count toward your annual maximum; once that limit is reached, further eligible expenses in the policy year are not covered.*
Amica Assistance
Amica’s assistance package is strong on acute care support: emergency pet ambulance transport is covered and telemedicine consultations are available when exam fees are included, which helps in urgent triage and reduces time to clinical advice.
Claims can be filed through multiple channels — Embrace claims portal, email, fax, and mail — giving owners flexibility in submission and appeal workflows.
However, there is no confirmed advance‑payment (Payvet/Petcard) option or explicit installment payment program listed, which means owners may need to cover large veterinary bills up front before reimbursement.
Policyholders who prioritize a dedicated 24/7 vet hotline or a branded mobile app for on‑the‑go claim management should verify availability, as those services are not clearly presented as included.
| Assistance Amica | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Claims can be submitted via the Embrace online claims portal. Email and fax submission options are available for documents and appeals. |
| Emergency vet service | ✅ | Pet ambulance transport covered in a medical emergency. Telemedicine consultations covered if the policy includes exam fee coverage. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
Customer reviews on Amica
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4 / 5 (5,752 reviews) |
Amica’s customer feedback frequently highlights attentive and knowledgeable service representatives and generally smooth claims interactions, with many customers reporting clear communications and timely assistance when filing non‑medical or routine insurance queries. Positive comments often emphasize ease of contact with live agents and the perception that staff are helpful in explaining policy options and claim status updates.
Conversely, customers commonly express concerns about premium increases over time and mixed satisfaction with pricing relative to perceived value, and some reviewers note frustration about the transparency of rate-setting and renewal adjustments. A smaller portion of feedback mentions occasional administrative delays or confusion during complex claim reviews, which can affect overall customer confidence during high‑cost medical events.
No pet‑insurance‑specific customer reviews for Amica were identified for publication; illustrative examples related to Amica pet insurance cannot be provided.
Contact Amica
| Amica Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Further online purchase or direct signup details: N.C. |
| To request and track a reimbursement | Submit claims by email to claims@embracepetinsurance.com, by fax to (800) 238-1042, or by mail to Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188. Specific claim forms, tracking procedure, submission deadlines, required documentation, and reimbursement method are N.C. |
| To obtain a certificate of insurance | To request a certificate, contact the policy administrator (Embrace) using the above email, fax, or mailing address. Exact certificate request process, turnaround time, and required information are N.C. |
| To contact assistance | Available channels: Email claims@embracepetinsurance.com; Fax (800) 238-1042; Mail to Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188. Phone number, online portal access, and live chat details: N.C. |
| To cancel my policy | To cancel, contact the policy administrator (Embrace) via the provided email, fax, or mail channels. Exact cancellation steps, required information to process the request, notice period, and refund/proration terms are N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Amica?
You generally pay the veterinarian at the time of service and then submit a claim to Amica (administered by Embrace) for reimbursement.
Reimbursement is calculated according to your chosen deductible and reimbursement percentage on the policy.
If you want to know whether a specific clinic accepts any direct‑pay or instant‑pay options, contact Embrace claims to confirm availability.
Keep itemized invoices and receipts to support a fast claim review and payment.
How do I cancel my pet insurance policy with Amica?
Contact the plan administrator, Embrace Pet Insurance Agency LLC, and provide your policy number and account details to start cancellation.
Submit a written cancellation request via the administrator’s specified email, fax, or mail with a signed statement from the policy owner.
Include owner name, pet name, policy number, and desired cancellation effective date to avoid processing delays.
Ask the administrator about the effective date, any refund or short‑rate premium, and obtain written confirmation when cancellation is complete.
What waiting periods apply before coverage begins?
Illness coverage has a 14‑day waiting period from the policy start date before claims for new illnesses are eligible.
Orthopedic conditions such as cruciate ligament injuries and IVDD are subject to a longer waiting or exclusion period (commonly 180 days).
Accident coverage and any other specific waiting periods are shown on your policy declarations, so review those terms carefully.
Conditions that arise during a waiting period are typically excluded from reimbursement.
How do reimbursement rates, deductibles, and annual limits work with Amica?
Amica offers tiered plan options where you select a reimbursement percentage (examples include 70% and 90%), a deductible, and an annual limit.
You pay eligible costs up to your annual deductible first; after that Amica reimburses the chosen percentage of remaining eligible expenses.
Example annual limits used in Amica plans include $2,000, $5,000, and $10,000; higher limits usually mean higher premiums.
Check your declarations page for the exact reimbursement rate, deductible amount, and annual limit that apply to your policy.
Are pre‑existing conditions covered by Amica?
Pre‑existing conditions are excluded: any condition with signs, symptoms, treatment, or diagnosis before your policy start date or during a waiting period will not be covered.
Bilateral and related conditions are often treated as pre‑existing (for example, a prior cruciate injury can affect coverage for the other leg).
New conditions that develop after waiting periods with no prior signs may be eligible for coverage under your plan.
Disclose prior medical history at enrollment and review the policy language to understand applicable exclusions.
How long does it take to receive a reimbursement from Amica?
Processing times vary, but many customers report prompt reimbursements when claims are submitted with complete documentation.
Submitting itemized invoices, receipts, and any requested medical records through the online portal or claims email speeds review.
If additional information is needed the administrator will request it, which may extend processing time until the documents are received.
For status updates or to resolve delays, contact Embrace claims with your claim number and supporting documentation.
Do I have to pay upfront for veterinary fees with Amica?
You generally pay the veterinarian at the time of service and then submit a claim to Amica (administered by Embrace) for reimbursement.
Reimbursement is calculated according to your chosen deductible and reimbursement percentage on the policy.
If you want to know whether a specific clinic accepts any direct‑pay or instant‑pay options, contact Embrace claims to confirm availability.
Keep itemized invoices and receipts to support a fast claim review and payment.
How do I cancel my pet insurance policy with Amica?
Contact the plan administrator, Embrace Pet Insurance Agency LLC, and provide your policy number and account details to start cancellation.
Submit a written cancellation request via the administrator’s specified email, fax, or mail with a signed statement from the policy owner.
Include owner name, pet name, policy number, and desired cancellation effective date to avoid processing delays.
Ask the administrator about the effective date, any refund or short‑rate premium, and obtain written confirmation when cancellation is complete.
What waiting periods apply before coverage begins?
Illness coverage has a 14‑day waiting period from the policy start date before claims for new illnesses are eligible.
Orthopedic conditions such as cruciate ligament injuries and IVDD are subject to a longer waiting or exclusion period (commonly 180 days).
Accident coverage and any other specific waiting periods are shown on your policy declarations, so review those terms carefully.
Conditions that arise during a waiting period are typically excluded from reimbursement.
How do reimbursement rates, deductibles, and annual limits work with Amica?
Amica offers tiered plan options where you select a reimbursement percentage (examples include 70% and 90%), a deductible, and an annual limit.
You pay eligible costs up to your annual deductible first; after that Amica reimburses the chosen percentage of remaining eligible expenses.
Example annual limits used in Amica plans include $2,000, $5,000, and $10,000; higher limits usually mean higher premiums.
Check your declarations page for the exact reimbursement rate, deductible amount, and annual limit that apply to your policy.
Are pre‑existing conditions covered by Amica?
Pre‑existing conditions are excluded: any condition with signs, symptoms, treatment, or diagnosis before your policy start date or during a waiting period will not be covered.
Bilateral and related conditions are often treated as pre‑existing (for example, a prior cruciate injury can affect coverage for the other leg).
New conditions that develop after waiting periods with no prior signs may be eligible for coverage under your plan.
Disclose prior medical history at enrollment and review the policy language to understand applicable exclusions.
How long does it take to receive a reimbursement from Amica?
Processing times vary, but many customers report prompt reimbursements when claims are submitted with complete documentation.
Submitting itemized invoices, receipts, and any requested medical records through the online portal or claims email speeds review.
If additional information is needed the administrator will request it, which may extend processing time until the documents are received.
For status updates or to resolve delays, contact Embrace claims with your claim number and supporting documentation.
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