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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 had two pets on the accidental insurance policy with Embrace. One of the dogs died, so I reduced the policy to one dog with an annual cost of $1,101.84. On 5/4/26, I was notified that my Embrace renewal policy will increase to $2,215.08, a ******% increase. They only cited the dog's age (healthy 8 year old dog), as the cause of the astronomical increase. In my opinion, this is the classic bait and switch as Embrace knows the insured can't switch insurers due to a lack of coverage for any pre-existing condition.They also su... 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 5/06/2026. 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 that you find necessary. Embrace understands that substantial premium increases are challenging to navigate, and it is important to note that these increases are impacting the pe... read more
They denied my cat coverage for any dental issues since on our initial vet exam (we adopted her at 2 y/o) she presented with gingivitis, and NOTHING aside from gingivitis. We appealed this by having our vet send paperwork that stated the condition was cleared after a tooth cleaning and they still denied us coverage. They stated that it is considered a "preexisting condition" and she would never be covered for anything dental related for the rest of her life. Really just seemed like they wanted to find any loophole or reason ... read more
Business response:
EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** ****** on 4/24/2026. Freyja was diagnosed with moderate to severe gingivitis on 12/10/25 per the medical records received. As this is a dental illness and occurred during the extended policy waiting period, it is pre-existing and not eligible for coverage. Under the policy any abnormalities, clinical signs, or illnesses present prior to the end of the waiting period are pre-existing conditions. An appeal was subm... read more
They denied my cat coverage for any dental issues since on our initial vet exam (we adopted her at 2 y/o) she presented with gingivitis, and NOTHING aside from gingivitis. We appealed this by having our vet send paperwork that stated the condition was cleared after a tooth cleaning and they still denied us coverage. They stated that it is considered a "preexisting condition" and she would never be covered for anything dental related for the rest of her life. Really just seemed like they wanted to find any loophole or reason ... read more
Business response:
EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** ****** on 4/24/2026. ******was diagnosed with moderate to severe gingivitis on 12/10/25 per the medical records received. As this is a dental illness and occurred during the extended policy waiting period, it is pre-existing and not eligible for coverage. Under the policy any abnormalities, clinical signs, or illnesses present prior to the end of the waiting period are pre-existing conditions. An appeal was submi... read more
Absolutely disgusted it with this company. I have paid every single month for both of my dogs for the last five years. Ive never filed a single claim. I recently called to verify my coverage and to find out if I could reduce my bill because of financial difficulty. At the beginning of the call she verified my address and found that it needed to be updated as soon as she updated my address she told me there was going to be a $50 a month increase to my bill just because of where I lived. Theyre already increasing my premium, t... 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 3/24/2026. 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 claims data, the age of the pet, tenure of the policy, and inflation, which includes increases in veterinary costs. Embrace's premium increases are in accordance to all state compliance standards and to help offset cost wh... read more
This was great insurance up until a couple of years ago, when they were bought by ***. *** now own a preponderance of the various pet insurances available, so the concept of comparison shopping is a myth. It used to be easy to file claims. Now they reject me multiple times and request the same information multiple times before they pay. Their website is glitchy and their apps crashes if you try to review your claims on it. There is no way to increase the amount of coverage annually without resetting the plan and making all c... 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 3/19/2026. Embrace's premiums are based on actuarial data of all the policies that we have in force. The main factors that impact premiums each year include claims data, the age of the insured pet(s), tenure of the policy, and also, inflation, which includes increases in veterinary costs. Embrace's premium increases do meet all state compliance standards and to offset increas... read more
While the affordability is preferred, it's painfully sad you get what you pay for. Since going to the vet for various NON-PREEXISTING issues now that my corgi is classified senior, it has been headache, delay, and denial one after another. We hardly went to the vet for more than annual checks and claimed on our Wellness Benefit prior. I went to update our address for moving states, and my premiums were cut in half which was great. Two weeks later just before policy renewal it DOUBLED. I asked for an itemization of costs bein... 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 Arielle **** on 3/18/2026.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 in light of increasing cost, as needed to fit their pet's individual needs and budget. Regarding Arielle ****'s claims for their insured pet, *****, Embrace's goal is to review all claims and medical... read more
I have been a loyal Embrace Pet Insurance customer for 9 years, and until now, I have been satisfied with the coverage. However, my experience trying to cancel my policy has been unacceptable.I have contacted Embrace repeatedly over the past 18 days to cancel my policy, but I have received no resolution. Despite following their instructions and providing all necessary information, the cancellation has not been processed, and I continue to be charged.For a company that promotes customer care, this lack of responsiveness and a... 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 3/18/2026. Policies with Embrace can be cancelled by calling into our main phone line, ************. Our team is available Monday - Friday 9:00 am - 8:00 pm EST and Saturday from 10:00 am -2:00 pm EST. To address the need of our Pet Parents we are continuously hiring and training additional staff to address longer than anticipating hold times, during periods of a heavy call volu... read more
Stay away - they will find a hole in every attempt to claim anything. You think you are saving money but you are not. Save yourself time and look for something else - I switched from Nationwide ONLY because of cost, but they've been the best in everything. You get you what you paid for.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** *********** on 3/16/2026. On 12/15/2025, claim number EC1116-2335 was submitted and subsequently processed. On 12/19/2025, the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policys illness period. On 12/17/2025, claim number EC1117-4226 was submitted and subsequently processed. On 12/21/2025, the claim was completed. The charged invoices on... read more
I gave them 2*'s because they finally did approve my claim. However, I have yet to receive the reimbursement for TWO claims, one over $1.5k, so we shall see if the money ever comes through. My complaint is, therefore, regarding their drag time to approve the claim. They told me several times it was due to lack of information from my veterinarian. WRONG! My ************ told me that they had twice sent in the required paperwork. They finally approved the claim for the surgeries, After I told them I was going to complain to **... 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 3/11/2026.On 1/29/2026, claim number EC1144-8459 was submitted and subsequently set to pending while we worked to obtain the insured pet's medical history. On 3/6/2026, the claim was completed as a result of all necessary information being received. The charged invoices on this claim were allocated partial coverage. On 2/2/2026, claim number *********** was submitted and ... 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 15,187 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open at 9:00 a.m.