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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 |
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
Business response:
Dear Better Business Bureau, Embrace Pet Insurance is responding on behalf of American Modern Insurance Group to the complaint filed by ****** **** on 10/30/25. On 6/11/25, claim numbers EC0991-0861 and EC0991-0935 were submitted and both were processed on 6/13/25. These claims were ineligible for coverage as ****** was noted to have an infundibular follicular cyst prior to the policy purchase and the recently submitted claims were related to an undiagnosed cyst. Per our terms and conditions, the above-mentioned claims were ... 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
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
BEWARE of EMBRACE Pet Insurance!! I wish i could give them zero stars. Embrace is just another morally bankrupt insurance company. If you are getting insurance when your pet is young to make sure they are covered throughout their life BEWARE. If anything happens to your pet, they will simply raise the premiums astronomically. I was a loyal customer for 14+ years with my two pets. I paid monthly for the past 14 years to ensure my pets were always taken care of as they grow older. Now that my pets are 12 and 14 - Embrace doesn... 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 10/21/2025. Per our Terms and Conditions, Embrace may adjust premium cost, but the policyholder will be notified of any changes in writing prior to the changes taking place in order to allow for any adjustments as necessary. Embrace appreciates the loyalty of our long-term policyholders and understands that especially in these instances, substantial premium increases are... read more
second part of our review...did not have enough characters. In addition to continually rejected claims on my dogs, the customer service representatives continually gave us conflicting or poor information about the way the appeal would be delivered and discussed with us. Some told us it would be a detailed email with the result from the adjuster, some did not know why we received the same claim again with the same denial, and some just didn't know what to say. Again, I have to say, please do your research there are better pet... 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 ****** **** *n 10/19/2025. On 7/23/25, claim ************ was submitted and on 9/15/25 claims ***********, ***********, and ***********were submitted. These claims were ultimately not covered as they were related to conditions that were noted prior to the policy’s purchase. ****** **** purchased a policy for Charm on 6/23/25, with coverage starting on 6/25/25. Prior to the start of Charm’s 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 14,105 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open on Monday at 8:30 a.m.