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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 |
Title: Formal Review and Dispute Erroneous Classification of Pre-Existing Condition (Case Ref: Mellow-2025-EPI-D-1109)Rating: ?????This review serves as a formal record regarding Embrace Pet Insurances determination of a pre-existing condition for my dog, Mellow (Case Reference: Mellow-2025-EPI-D-1109). Upon review of all medical documentation provided by my licensed veterinarian, there is no clinical evidence nor any documented diagnosis to support Embraces classification of the condition as pre-existing.Findings of Fact:1.... 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 11/10/25. On 10/27/25, pre-certification, EC1082-961,8 was submitted and formally processed. The estimate on this pre-certification was not approved for potential coverage as the diagnosis received for the pre-certification was noted to have occurred prior to the policy purchase.Prior to the policy purchase, ******* had informed their clinic that Mellows cherry eye had occu... read more
If I could give zero stars, or even negative stars, I absolutely would. This company is a complete and utter scam. Embrace Pet Insurance is nothing but lies and deception they dont cover a single thing and will always come up with some ridiculous excuse to deny your claim. Its unbelievable how theyre even allowed to operate. Avoid them at all costs save yourself the frustration, money, and heartbreak. DO NOT USE EMBRACE PET INSURANCE.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******* ****** on 11/7/25. On 10/5/25, claim number EC1069-5601 was submitted and subsequently processed. The charged invoice on this claim was denied coverage pursuant to the Policy not having Embrace's optional Wellness Rewards coverage. On 11/7/25 claim numbers EC1091-7932 and EC1091-7896 were submitted and processed. The charged invoices on these claims were denied coverage pursuant to t... read more
Ive been extremely disappointed by my experience with Embrace Pet Insurance and how they handled my cats claim for renal ********** cat, was diagnosed with pressive kidney disease in 2025. Embrace denied the claim, stating it was pre-existing based on a mild, stable kidney value change from 2022. What theyre calling a diagnosis of renal failure was never chronic, and my veterinarian confirmed Pig had no symptoms or treatment for over two years until this year, when his condition actually developed.According to Embraces own p... 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 11/6/25. On 11/2/25, claims EC1088-0548 and EC1088-0567 were submitted for processing. The charged invoices on these claims were ineligible for coverage due to a permanent pre-existing condition noted on Pig Wilsons policy of renal disease.Per our Terms and Conditions, the above noted claims were ineligible for coverage as Pig ****** was noted to have renal disease prior to the... read more
My dog was attacked by another dog, and I filed a claim with Embrace Pet Insurance expecting help during an already stressful time. Instead, the claims adjuster denied my claim and categorized the attack as an illness, which makes absolutely no sense.They refused to gather the necessary information from my vet that would have clearly shown the visit was due to an injury from the attack. All they had to do was confirm the reason for the visit something any caring or competent insurance company should do but they didnt.Instead... 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 11/6/25. On 9/29/25, claim EC1065-6228 was submitted and reviewed for coverage. It was determined that the claim was ineligible for coverage as the date of service occurred during the policys 14-day illness waiting period. A second review was performed by the adjuster as requested by *****. A copy of Skys medical records were obtained for this review. At the time of her visit... read more
I started my policy at $37 a month, they increase it to $47 the next year (without telling me, I read all of the legal documents & never once did they mention it would be increased each year) & then I just canceled it before they charged me $57 for another year. I have not used it at all. Ive gotten $0 from them, filed 0 claims. They still increased my policy every year & when i cancelled they refused ANY kind of refund. I paid them for 2 years to steal my money. I actually hate how normalized the scam of insurance is.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ****** on 11/5/25.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. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.
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
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
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 14,411 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.