This profile has been claimed by the business owner or representative.
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 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.
My dog ****** had a deep subcutaneous cyst surgically removed on 5/13/25. Claims were submitted and acknowledged by Embrace on 6/11/25. On 6/13/25, both claims were denied with the explanation that Embrace could not rule out a cutaneous cyst, allegedly excluded under pre-existing conditions. On 6/17/25, I clarified that ******’s policy excluded only follicular cysts, not all cysts. I also submitted a letter from the attending surgeon confirming the mass was a deep subcutaneous cyst - not a follicular cyst. Without my asking ... read more
If you like being on hold so you can catch up on your reading, then Embrace is for you! Very, very lengthy hold time....they deny receiving details from the vet multiple times to where papers were being sent 2-3-4 times! They claim they sent a very small payment to me to an account I don't even have and they refuse to correct it! If I could give them zero stars I would! Absolutely horrible!!!!
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ********on 10/27/25. On 7/8/25, claim number *********** was submitted and subsequently processed On 7/24/25, the claim was completed. The charged invoice on this claim was covered. Reimbursement of this claim has been discussed with the policyholder on several prior occasions via email and phone and our management team has also reached out to discuss this matter. At this time **** ****... read more
I’ve been with Embrace for about seven years. Until now, I had no major issues and only filed a few small claims. This past year, my dog needed ACL surgery, an expensive but necessary procedure that Embrace covered. I appreciated that, but any goodwill I had evaporated when I received my renewal notice. My annual premium is jumping from about $1,300 to $2,500. That’s almost a 100% increase in a single year- for one dog! When I called to ask why, I was told it wasn’t because of my large claim, but honestly, it’s hard to belie... 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 10/24/2025. Per our Terms and Conditions, Embrace may change the premium of a policy, but the policyholder will be notified of any changes in writing prior to the changes going into effect. Embrace Pet Insurance understands that substantial premium increases are challenging to navigate, and want to note that these increases are impacting the pet insurance industry as a ... read more
I have been on the phone for over three hours with them insisting my dog was seen by a vet that he has never been to. Three years ago. I gave them a complete medical history months ago. Keep saying they don’t have all information. It’s a scam and lie. They Won’t pay a simple emergency vet bill for upset tummy. Even tho I have given them over 5000 dollars thus far. It’s robbery. I don’t know why how this company is allowed to exist. But I’m going to be contacting a lawyer. They purposely delayed review till the qualifying per... 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 10/23/25. On 7/1/25, claim numbers ************ *********** *** ***********were submitted and subsequently set to pending due to missing pre-policy medical history for ****** *******'s pet and also, a discrepancy in the medical history received indicating the pet had been seen a clinic where Codie was not treated. On 10/24/2025, after all medical history had been received a... read more
Embrace Pet Insurance is a Scam - Beware of Their False Denials and Deceptive Practices I am beyond frustrated and furious with Embrace Pet Insurance, which I now consider nothing more than a scam. My pet's breed is highly susceptible to anal gland issues, which causes severe discomfort. When their anal glands become full, my pet starts licking and scooting, clearly in distress. This is not some “preventative” or “wellness” issue - it is a medical necessity. The vet's note was crystal clear: the glands needed to be extracted... 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 Soumi Biswas on 10/22/25. On 8/14/25, claim *********** was submitted, and the anal gland expression was eligible for reimbursement under our optional Wellness Rewards Plan. As this was not selected to be part of ******** policy, we were unable to provide reimbursement for it. Visit notes were obtained for the date of service for this claim and confirmed that there was no abnormality noted w... read more
Today I cancelled my policy on all four of my dogs. I had turned in a claim that was immediately denied by Embrace Pet Insurance. My 11-year-old Golden Retriever developed a small sore on her cheek about a year and half ago. I took her to the vet, assuming she got caught in the rose bushes. Because there was mild swelling, my vet performed a needle biopsy and cytology right in the office. Test showed a little bacterium, so she prescribed a topical cream, which healed the sore completely. On the re-check two weeks later, my v... 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 10/22/25. On 8/5/25, 10/2/25, and 10/13/25 we received claims ************ ************ *** ************ These claims were processed, and it was determined that they were not eligible for coverage due to a pre-existing condition of an undiagnosed mass on ******* policy. Per our Terms and Conditions, if a pet has an undiagnosed mass prior to the policy purchase, this excludes c... 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 13,871 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.