Embrace's wellness rewards program creates detailed tracking of your pet's preventive care, building comprehensive health profiles over time. As part of a larger insurance group (American Modern Insurance Group, a Munich Re company), data is shared across affiliated companies. Their partnership programs with shelters and breeders also create additional data flows around pet acquisition and ownership.
| Data Type | Collected | Shared | Sold |
|---|---|---|---|
| Owner identity and contact | Yes | Affiliates | No |
| Pet medical history | Yes | Partners | No |
| Wellness program data | Yes | Affiliates | No |
| Preventive care tracking | Yes | Affiliates | No |
| Pet acquisition source | Yes | Partners | No |
| Payment information | Yes | Processors | No |
| Claims and treatment data | Yes | Munich Re | No |
The Wellness Rewards program tracks vaccinations, preventive care, dental cleanings, and routine visits. This creates detailed longitudinal health profiles of your pet over years.
Embrace is part of American Modern Insurance Group (Munich Re). Your data may be shared across this global insurance conglomerate for underwriting and risk assessment.
Embrace partners with shelters and breeders who may receive data about policy activations. Your pet's acquisition source is tracked and shared with these partners.
If you register your pet's microchip through Embrace programs, this creates additional data linkages between your identity, pet, and veterinary records.
Insurance regulations require retention of policy and claims data for years, meaning your pet's health records remain in their systems long after cancellation.
Embrace provides processes for California residents to access, correct, and request deletion of personal information under CCPA.
Embrace clearly identifies its corporate affiliates and the types of information shared within the insurance group.