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 |
Trusting Embrace Pet Insurance was my biggest financial mistake. After more than six years and five pets insured, my monthly premium jumped from $347 to $647 at renewal, an 86.7% increase. I have accepted premium increases for years, but nothing remotely close to this. When I escalated the issue to Embrace's senior management, I was told my only options were to pay the increase, reduce my coverage, or cancel it altogether. There were no loyalty accommodations, grandfathering provisions, or retention options. I also asked whe... 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 7/7/2026. Embrace's premiums are based on actuarial data of all the policies we have in force. The main factors that impact premiums each year include the age of the insured pet(s), tenure of the policy, and inflation, including increases in veterinary costs. Embrace's premium increases do meet all state compliance standards and our policies are structured in a way that al... read more
The adjuster named ****** *. will do anything to not **ver your claim. You cannot change YOUR own plan with them. You have to **ntact them to do it. Feels like a breach of privacy. Half the time anymore their website isn't working, they never know when it'll be up and running, not usually all that nice about it, & will blame your home device/internet in being the problem. They aren't the cheapest and are very blunt about that.Think of this adjuster as that person driving 60 in the left lane where speed limit is 80 and tellin... 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 ***** Apap on 7/7/2026. Embraces ************** is open for phone calls Monday Friday 9:00 am EST 8:00 pm EST and Saturday from 10:00 am EST 2:00 pm EST, with a primary contact number of ************. The phone line is regularly checked for maintenance and any issues reported in which a Pet Parent is having trouble getting through to a representative are investigated promptly to limit any di... read more
********. They take your money and run! The customer service from ********************** is the worst I have ever experienced. Just like insurance for humans, Embrace has no intentions of paying claims and they delay and delay and delay avoiding making a formal Claim decision. Not only will I no longer give Embrace my money, I will share my experience with the thousands of people that I know within the online dog community to never consider using this horrible company as their pets insurance carrier.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ****** on 6/29/2026. On 4/28/2026 and 4/29/2026, claim numbers *********** and ***********were submitted and set to pending. The claims are currently awaiting the receipt and review of the insured pet's pre-policy medical history. This medical history is needed to validate the original policy waiting / exclusionary periods.Per our Terms and Conditions, Embrace must have access to an in... read more
Very bad experience with Embrace on Feb.11, 2026 I took my dog to our veterinary for his routine physical the veterinary said he was very healthy and it was time to have his teeth clean so I had it done. I thought Embrace would be a good company for us to uses but when it came time to use them put in a claim for my dog dental Extractions which he went under surgery they would not pay for it. I gave them all the information they ask for and they kept coming back for more. I gave them my veterinarian for them to talk to. I Did... read more
Very bad experience with Embrace on Feb.11, 2026 I took my dog to our veterinary for his routine physical the veterinary said he was very healthy and it was time to have his teeth clean so I had it done. I thought Embrace would be a good company for us to uses but when it came time to use them put in a claim for my dog dental Extractions which he went under surgery they would not pay for it. I gave them all the information they ask for and they kept coming back for more. I gave them my veterinarian for them to talk to. I Did... 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 6/25/2026. On 5/10/2026, claim number EC1214-2737 was submitted and subsequently processed. On 6/24/2026, 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, pre-existing conditions are not eligible for coverage. ******* Bradys policy was non-renewed effective 7/16/2026... read more
BUYER BEWARE: Do not trust Embrace Pet Insurance.I have been a loyal Embrace customer since 2014 over a decade of premiums paid without a single lapse. I followed Embrace's own recommendations every step of the way when setting up and managing my policy. I did everything right.Embrace has now denied my claim by labeling a condition from 2017 as 'preexisting.' Let that sink in a condition that developed THREE YEARS after my policy began, while I was actively insured and paying premiums, is being called preexisting. That is no... 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 6/16/2026. Embrace understands the concern of the Pet Parent regarding the coverage of the claim in question, and we would be happy to clarify the decision. To start, we see that ***** ******* originally had a policy with Embrace for Granite in which coverage started 11/24/2014. That policy unfortunately was cancelled effective 12/13/2016 due to a billing issue. A new policy... read more
I am a new embrace customer. I got a puppy and researched the best pet insurance and this company came up over and over. So I signed up. My puppy was healthy, had a recent vet exam. About 2 weeks afters my policy started, my puppy got pneumonia, Luckily illness coverage had started. I submitted the claim the day after she was discharged from the hospital. Claim was filed 5/4/26. It's now 6/11/26 and the claim status hasn't changed. IT IS IMPOSSIBLE TO TALK TO THEM! I have tried called countless times, you listen to hold musi... 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 6/11/2026. On 5/7/2026, claim numbers ***********and ***********were submitted and subsequently set to pending while the insured pet's medical history was obtained and reviewed, in line with the first insurance claim submission. On 6/12/2026, the claims were completed. The charged invoices on *********** were provided partial coverage. The charged invoices on *********** we... read more
I had Embrace Pet Insurance since 2022. When I received my dogs latest renewal it had gone up from $61.89 to $88.54 per month. I thought this was a lot since my dog has had NO claims. I decided to go on their website and pretend I was a new customer with the same dog. My rate ..$58.52 for the same coverage! The person who called it a bait and switch is absolutely correct. Unfortunately for them, my dog is healthy and I wont deal with crooks who are taking advantage of those of us who love our dogs.When I basically told them ... read more
I had Embrace Pet Insurance since 2022. When I received my dogs latest renewal it had gone up from $61.89 to $88.54 per month. I thought this was a lot since my dog has had NO claims. I decided to go on their website and pretend I was a new customer with the same dog. My rate ..$58.52 for the same coverage! The person who called it a bait and switch is absolutely correct. Unfortunately for them, my dog is healthy and I wont deal with crooks who are taking advantage of those of us who love our dogs.When I basically told them ... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* ***** to the complaint filed by ******* **** on 6/4/2026.Per our Terms and Conditions, we may change your premium but you will be notified of any changes in writing. Embrace does allow all Pet Parents to reduce their coverage, as needed to fit their pet's individual needs and budget. Tenure or how long a pet has been insured is one factor which is assessed with premium increases, as pets with longer tenure have a lesser li... 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 15,544 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open tomorrow at 8:30 a.m.