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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 |
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
Embrace pet insurance will find ways not to pay the claims! My dog ate a bur and was coughing so naturally I took him to the vet. Embrace claims that the bur may not be the cause. Since a day after he ate the bur clearly passing it my dog has been 100% fine. I wonder if a person at Embrace at a few burs if they might cough?? Not worth the coverage as they ****** do not want to cover the dog!
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** ******* on 12/18/2025. On 10/24/2025, claim number EC1082-6806 was submitted and subsequently processed. On 10/27/2025, 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, pre-existing conditions are not eligible for coverage, including those which are noted within the illness wa... read more
This company is a total scam! They wont cover anything and they double your premiums every single year. Theyre stealing money from every one of their customers and they need to be shut down immediately. They told me that the premium price increases only based on tenure and if you change your coverage it will reset your tenure and lower your premium but then if you ever want to change it back, you will have to go through the review period again and anything that has been discovered since then will then be considered a pre exi... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed on 12/12/25. Embrace understands that facing premium increases with one's pet insurance policy can be challenging. We find it important to note that increasing premiums are impacting the pet insurance industry as a whole, with some pet insurance providers cancelling policies or reducing coverage on policies without the policyholders consent. All changes which are being done in order to maintain... read more
Embrace Pet Insurance Company does not act in good faith. They do not honor their contract. My dog is adopted. They did a thorough search of all health records from previous vet clinics. They established pre-existing conditions based on the data they obtained and then provided a waiting period for services. I have saved these communications. When submitting a claim, they have unreasonably delayed the process by again, going back to a vet office (4 hours from where I live) to seek more information (that they already had from ... 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 12/7/2025. On 10/9/2025, claim number EC1073-0561 was submitted and subsequently set to pending as Embrace collected and reviewed the insured pet's medical history, this process was completed to review possible expiration of the pet's temporary pre-existing conditions exclusion(s). On 12/11/2025, once the related information was verified, the claim was completed. The charge... read more
I paid over $300 a month to insure three dogs. I have filed two claims that sit in limbo. I am told they keep needing this or that from the vet. I have uploaded everything they say they need manually using their app. When I address that, they need something else. It's clear that they are never going to pay out, and I am paying a premium for nothing. IT'S A TOTAL SCAM!!! They are nice on the phone, and they make a lot of promises about what they will do and what they will cover. But then again, that is probably true of most S... 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 12/5/2025. On 11/10/2025, claim number EC1093-7670 was submitted and subsequently set to pending as Embrace obtained and reviewed the insured pet's pre-policy medical history. Medical history must be obtained and reviewed for all insured pet's prior to the determination of any claim coverage. On 12/9/2025, once all related information had been received and reviewed by Embrac... read more
Trying to cancel the policy because the 2026 premium doubled over last year. Cant get a confirmation of cancellation. Policy number is EP0058-8974
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ****** on 12/5/2025. On 12/3/2025, ***** ****** was contacted regarding an inquiry to cancel their Embrace Pet Insurance policy. At this time, options were reviewed for reduced coverage and no changes to the policy were made. On 12/4/2025, after further review, ***** ****** requested non-renewal of their Embrace Pet Insurance policy. On 12/5/2025 this request for non-renewal was fulfil... 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 14,719 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open at 8:30 a.m.