Paw Protect Pet Insurance

What Paw Protect Pet Insurance does

Paw Protect is a direct-to-consumer US pet insurance brand offering accident-and-illness coverage for dogs and cats, differentiated by its InstantPay technology that disburses covered claim funds to the policyholder's bank account in real time via the Dwolla payment network while the customer is still at the veterinarian's office. The core product is administered by Embrace Pet Insurance Agency, LLC and underwritten by American Modern Insurance Group, allowing Paw Protect to operate as a marketing- and product-led brand on top of an established insurance infrastructure without holding its own insurance license. The product surface extends beyond core insurance into add-on modules: a Wellness Rewards routine-care membership (vaccinations, grooming, dental cleaning, training), a 24/7 Pet Health Line telehealth service, and standard inclusion of complementary therapies such as acupuncture, hydrotherapy, physical therapy, chiropractic, and laser treatment.

Paw Protect monetizes through monthly subscription premiums that vary by pet age, breed, location, deductible ($100/$250/$500), reimbursement percentage (70/80/90%), and annual coverage limit ($5,000/$10,000/Unlimited), with an average disclosed monthly premium around $40 and a 10% multi-pet discount. Pricing is quote-based and not publicly listed; specific tiers are configured at the individual customer level. Go-to-market is exclusively DTC through pawprotect.com and a phone sales line, supported by a content-driven SEO strategy with comparison pages against ten named competitors and active social presence on Instagram and Facebook.

The company is licensed to sell insurance in all 50 states and the District of Columbia through its administrator and carrier relationships. Legal entity of record is Embrace Pet Insurance Agency LLC (Ohio jurisdiction), operating the "Paw Protect" DBA. No disclosed funding rounds, parent company, management team details, or revenue figures are available in the source material, indicating Paw Protect is a privately held, sub-scale operation whose underlying economics are largely opaque to outside observers.

Name

Paw Protect Pet Insurance

Legal name

Embrace Pet Insurance Agency LLC

Website

https://pawprotect.com

Company type

Private

Operating status

Operating

Short description

Paw Protect is a direct-to-consumer US pet insurance brand for dogs and cats, administered by Embrace Pet Insurance Agency and underwritten by American Modern Insurance Group, distinguished by its InstantPay real-time claim disbursement at the point of vet visit and licensed across all 50 states plus DC.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

Keywords

• Pet insurance
• Accident illness coverage
• Veterinary insurance
• Pet health coverage
• Wellness rewards plan

Headquarters

HQ city

California City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D

Revenue model

1. Pet Insurance Premiums: Monthly or annual premium payments from policyholders. Premiums are calculated based on factors including pet's age, breed, location, chosen annual coverage limit, reimbursement percentage, and deductible. Additional revenue comes from optional Wellness Rewards add-on membership.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Paw Protect provides pet health insurance for dogs and cats, covering accidents, illnesses, hereditary conditions, dental, complementary therapies, and curable pre-existing conditions after a 12-month symptom-free period. Policyholders can select annual coverage limits of $5,000, $10,000, or Unlimited, reimbursement of 70%/80%/90%, and deductibles of $100/$250/$500, with monthly premium averaging around $40. Its proprietary InstantPay feature pays covered claims directly to the policyholder's bank account in seconds while still at the vet, eliminating the upfront payment and reimbursement wait typical of pet insurance.

Product overview

Paw Protect Pet Insurance is a single unified pet insurance product administered by Embrace Pet Insurance Agency, LLC and underwritten by American Modern Insurance Group. The core offering combines accident and illness coverage with the proprietary InstantPay feature that enables instant claim disbursement to policyholders' bank accounts. Add-on modules include Wellness Rewards (routine care membership plan), 24/7 Pet Health Line (telehealth service), and complementary therapies coverage. The product differentiates through its upfront payment capability, breed-specific condition coverage, and industry-leading dental coverage with annual limits.

Differentiator

Problem solved

Functional benefit

Brands

• InstantPay: Proprietary instant claims payment technology that sends covered claim payments directly to the pet parent's bank account while at the vet's office.
• Wellness Rewards

Products and services

• Paw Protect Accident and Illness Pet Insurance Core pet insurance product covering accidents, illnesses, hereditary conditions, and comprehensive veterinary care for dogs and cats, with customizable annual coverage limits ($5,000, $10,000, or Unlimited), reimbursement percentages (70%, 80%, or 90%), and deductibles ($100, $250, or $500). Designed for individual US pet parents who need help managing unexpected vet bills.
• Wellness Rewards Optional wellness membership plan covering routine care for dogs and cats including vaccinations, spay/neuter, microchipping, grooming, training, and teeth cleaning. Administered by Embrace Pet Insurance Agency, LLC as a non-insurance, routine-care budgeting tool. Not available in Rhode Island.
• 24/7 Pet Health Line Free 24/7 telehealth service included with Paw Protect policies, providing round-the-clock access to veterinary guidance and support for policyholders.
• Complementary Therapies Coverage Coverage included on every Paw Protect policy for complementary therapies — acupuncture, hydrotherapy, physical therapy, chiropractic care, and therapeutic laser treatment — when used to treat covered accidents or illnesses.

Quantifiable outcome

• 59% of Americans have less than $500 in savings, making upfront vet payment difficult
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• Embrace Pet Insurance Agency, LLCcoreStrategic or Co-development PartnerEmbrace Pet Insurance Agency, LLC administers the Paw Protect brand and provides customer account management, claims processing, and policy administration services. Paw Protect is powered by Embrace, leveraging their established infrastructure, customizable premiums, and customer service capabilities. Policy administration is handled through Embrace's online customer portal.
• American Modern Insurance Group, Inc.coreStrategic or Co-development PartnerUnderwriting partner for Paw Protect pet insurance policies. Coverage is underwritten by licensed insurers of American Modern Insurance Group, including American Modern Home Insurance Company and American Southern Home Insurance Company. Subject to policy terms, conditions, limitations, exclusions, and underwriting review.
• DwollacoreTechnology or IntegrationPaw Protect uses Dwolla's instant payment network to enable InstantPay functionality. Through Dwolla, Paw Protect can send covered claim payments directly to policyholders' bank accounts in seconds, provided the bank accepts instant payments through the Dwolla network.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Customer concentration

• Facebookfacebook.com/pawprotectinsurance
• Instagraminstagram.com/pawprotectdog

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paw Protect Pet Insurance