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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.
I applied for this insurance for my senior pup over a year ago based on a family referral. However, the process has been more painful than helpful. To start, the plan cost me well over $240 per month just to make sure that my senior baby is covered if something happens. This pooch is in **** near perfect health for his age and his vet records have proven that, but recently we needed to file a claim due to a new lipoma that showed up. The vet needed to biopsy and examine the bump just to make sure it wasn't cancer and when I ... 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 2/18/2026.On 1/2/2026, claim number EC1126-9633 was submitted and subsequently set to pending as Embrace worked to obtain the insured pet, ********, pre-policy medical history. On 2/20/2026, the claim was reopened and completed, as all relevant medical history had been received and reviewed in order to determine coverage. The charged invoices on this claim were allocated part... read more
This company is terrible! They are refusing to cover my service dog because they claim she had a pre-existing condition. This condition was apparently treated prior to her becoming my service dog. I wasnt aware of any issues or any prior medical diagnoses. Embrace only had that vets records because I told them thats where she was seen prior to the organization transferring her to me. I didnt see anywhere on the records where she was diagnosed for allergies just was seen because she was itchy or something. Again, not when she... 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 2/13/2026. On 2/1/2026, claim number EC1146-9279 was submitted and subsequently processed. On 2/13/2026 the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policys illness waiting period. Per our Terms and Conditions, this illness was deemed a pre-existing condition, which is not eligible for coverage under Embrace policies. ****** ... read more
At first, Embrace seemed fine. They approved several claims for my cats GI issues, parasite treatment, suspected FIP, and even an ear infection. But once the claims became more complex, everything changed.Embrace began denying claims using shifting and contradictory explanations: They claimed a gastrointestinal coronavirus titer was related to a pre-adoption upper respiratory infection, even though my cat has not had a single sneeze or any *** symptoms since the day I adopted her. They reclassified a temporary *** exclusion ... read more
Embrace has become outrageously expensive with almost no real benefit. They raised my premium to $2,400 this yearnearly a $1,000 increase. Even after adjusting the plan, my annual premium is still $1,743, with a $1,000 deductible and 10% coinsurance. To even reach the maximum $5,000 reimbursement cap, my pet would need $6,555 in covered vet billsleaving me paying $3,298 out of pocket ($1,743 in premiums + $1,000 deductible + $555 in coinsurance). Thats an absurd value proposition.They justify this massive increase by citing ... 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 2/10/2026. Per our Terms and Conditions, Embrace may change your premium, but you will be notified of any changes in writing prior to the changes taking place in order to allow for any adjustments necessary. Embrace understands that substantial premium increases are challenging to navigate, and it is important to note that they are impacting the pet insurance industry as a ... read more
**************! 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.
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 14,719 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open at 8:30 a.m.