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Embrace Pet Insurance
- Pet Insurance
- Cleveland, OH
About this business
Location details
4530 Richmond Rd, Cleveland, OH, 44128, United States
Get directions| Weekday | Schedule | Status |
|---|---|---|
| Mon | 8:30 a.m. to 8:00 p.m. | |
| Tue | 8:30 a.m. to 8:00 p.m. | |
| Wed | 8:30 a.m. to 8:00 p.m. | |
| Thu | 8:30 a.m. to 8:00 p.m. | |
| Fri | 8:30 a.m. to 8:00 p.m. | |
| Sat | 9:00 a.m. to 1:00 p.m. | |
| Sun | Closed |
I woke up w/happy tears today after many HELLISH years. I am so very thankful to 2 AMAZING women Rachel & Brittany w/@EmbracePetIns that went above & beyond for me yesterday and today. Companies really should follow their model, when cust. service means CUSTOMER??SERVICE! If you or anyone needs affordable health insurance for your fur baby or fur babies #EmbracePetInsurance is the way to go. ?? So extremely thankful for their speed and ability to understand me and try to help me as they could, in a time when it feels like I ... read more
Business response:
Thank you so much *******I will pass on your amazing words to Rachel and Brittany :-) Jenna ****** Director of Claims Embrace Pet Insurance
I absolutely love Embrace Pet Insurance. I am so glad that I got this pet insurance on my golden retriever as soon as I adopted him. He was healthy and happy until he developed epilepsy at the age of 3. Embrace has allowed our family to be at ease when it comes to spending money on my dog's treatment. It's highly affordable for the value it provides. Plus, the company's customer service is ABOVE AND BEYOND what I could even dream of. From chat support to phone calls with such kind human beings, I couldn't praise them more. I... read more
I have been using the company for about a year now and have not had an issue. Every time I need their help they are there. I will keep them for the time being.
Wow, I'm shocked at the negative reviews. Are we talking about the same company here?? It kind of makes me wonder. My experience is exactly opposite of these negative complaints. They have covered all my claims very quickly. Submitting a claim is a breeze online. Every time I have called I get a person on the phone almost immediately without wait. They are extremely helpful. There is nothing at all for me to complain about.
**************! Try to "bait and switch" customers when they wish to cancel their policy. Ask customers to reconsider and call back and continue to bill at full amount hoping customers dont call back. I am shocked **** has a relationship with this unethical company.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ******** on 1/28/2026. We're sorry **** ******** was disappointed with our services. We will continue to work on improving our processes to offer the best customer service possible for all our policyholders.**** ********** policy was cancelled on 1/26/2026. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.
Complete waste of money, maybe a total scam. I started my policy when my cat was 4.5 months old and canceled it after a year because he was recently diagnosed with IBD and embrace won't cover ANYTHING digestive related all because my little kitten had one instance of vomiting prior to my policy start date. He could have vomited for any reason, ie eating plants or food he's not supposed to, or eating too quickly, but because it was on his medical record ********************** said they would not cover anything digestion relat... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ********* **** on 1/5/2026. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage under policies with Embrace Pet Insurance. As ********* **** pet, Bayabas, had exhibited vomiting prior to the start of the policy or through the illness waiting period, claims related to vomiting are not eligible for coverage. ********* **** cancelled their policy effective 2/4/20... read more
My premium went from $400 to $800 PER MONTH. They gave generic answers such as rising veterinarian costs in your area and age of pets and other generic reasoning for the increase. Their computer models basically doubled our premium so we would cancel. Now, if I go somewhere else, I may have preexisting conditions that wont be covered under another policy or company. Embrace said they could save me money by increasing my deductible. So, essentially they want me to pay $500-$600 per month and have an even higher deductible for... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ***** on 12/31/2025. Embrace's premiums are based on evaluation of actuarial data of all the policies we have in force. With the main factors that impact premiums each year including the age of the insured pet(s), tenure of the policy, and inflation, which includes increases in veterinary costs. Embrace's premium increases do meet all state compliance standards and policies are structu... read more
I started making payments since may 2025. The company requested documents and they were forwarded to them. I took my dog for a visit and paid $270.00. I filed out paperwork with the doctor notes for 70% reimbursement And as of today no reimbursement. The premiums have been taken out monthly but no reimbursement. They have requested previous visit for my dog and the documents have been sent and received. My husband and I are retired and I am disabled. We care about my dog but unfortunately this company is a fraud. This compan... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ******* on 12/30/2025. On 10/29/2025, claim number EC1085-6973 was submitted and subsequently set to pending as Embrace worked to obtain all relevant medical history for insured pet, ****. On 1/6/2026, the claim was reopened and is currently being reviewed for potential coverage. The reason the claim was able to be reopened is that we have now received all relevant pre-policy medical hi... read more
This company is getting away with doubling everyones premium and then meeting this with inflation and tenure as a valid justification. Dont waste your time with Embrace, ***** needs to drop all affiliation with these scammers, they do not care about their customers or their pets, very sad. The rising costs in the industry is total BS. I made one call and found a premium that was the same as what I had starting with Embrace 5 years ago before they started doubling the premium each year. The funny part is we havent even submit... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** *** on 12/21/2025. Embrace's premiums are based on actuarial data of all the policies we have in force, and the main factors that impact premiums each year include the age of the pet, tenure of the policy, and inflation, which includes increases in veterinary costs. Embrace's premium increases do meet all state compliance standards and policies are structured in a way to allow each pet ... read more
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 14,410 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.