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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 |
We took out a policy in February 2026. I don't know how Embrace got the ** ****** rating "outstanding in customer service"...? It's really insulting to me to hear this, esp after my experiences below. For the past week, have tried to gain info on our claim status from May 20. Today is June 2, 2026. Can never get anyone on the phone.....waiting now 16 mins, other times longer but no one comes back to help us. We just keep hearing ****** piano music in a loop....annoying. Ironically the auto message on their phone # tells us t... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* *****to the complaint filed by **** ***** on 6/2/26. On 5/21/2026, claim number ***********was submitted and subsequently set to pending as Embrace reviews ******pre-policy medical history. At this time, documentation from ************************ has been received and is in line for review. Per our Terms and Conditions, prior to processing of an accident / illness claim, Embrace must obtain and review all documentation ne... read more
I started a policy on 4/18/26 with the knowledge of a requested review needing to be done to provide accurate coverage. Online states that the customer has to apply for the review, so I did on the day I started the policy and emailed full vet records. I also spoke with a representative the same day who informed me that a review would be completed no sooner than 14 days after purchasing the policy and a full refund provided in 30 days. After the 14 days I began receiving emails requesting vet documents that I had already prov... 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 5/18/2026.Per our Terms and Conditions, we must have access to and review all of an insured pet's relevant medical history in order to determine their eligible coverage. To help a Pet Parent make a sound decision on whether or not their Embrace is a good fit, we offer our Medical History Review process, which allows our team to obtain and review a pet's medical history pr... read more
This is singlehandedly the worst insurance I've ever had the displeasure of being subscribed to. Didn't get a single cent back from the "completed" claims. I had to pay $2k+ for my kitten's Feline infectious peritonitis (FIP) within the last MONTH and had Embrace weeks before the visits AND the diagnosis. The tests, bloodwork, visits, compound medicine, they all added up to $2,000. I paid $125~ for Embrace membership (2 months) and they could only refund a measly $9. I cannot stress this enough... I'd rather pay $2,000 out o... 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 5/15/2026. On 3/27/2026, claim number *********** was submitted and subsequently processed. On 4/7/2026, the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policys illness waiting period. On 5/7/2026, claim numbers *********** and ***********were submitted. Claim number *********** was completed. The charged invoices on this claim... read more
A newborn does not have pre-existing conditions, yet theyll gaslight you saying your puppys condition is pre-existing even if its their first vet visit. Then theyll deny you, mark the condition as a permanent pre-existing, and theyll raise your rate 25% a year or more. My veterinarian from ********************* argued with them on my behalf and they literally said sue us over speaker phone for both of us to hear. This company is a scam, many better alternatives. Literally ANYTHING but this insurance.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by Be ***** on 5/11/2026. Per Embrace's Terms and Conditions we are unable to provide coverage for pre-existing conditions. Some pre-existing conditions are considered permanent, while others may be considered temporary, and eligible for expiration after 12 months of no further symptoms or treatment. We were unable to locate this Pet Parent's policy given the name and email address noted, if th... read more
I insured a 6 month puppy just over a week after adopting from a shelter. There is a waiting period for the insurance to start. The second day after the accident portion of the coverage began my puppy passed a ****** bundle of sticks and needed to be hospitalized. Embrace will not cover it as there was no specific incident in which he ate a stick (he was just crazy about eating everything after being in the shelter his whole life and it was a constant battle). I know all insurance companies make their money by denying claims... 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 5/8/2026. On 4/30/2026, claim number EC1206-2459 was submitted, along with two subsequent submissions, EC1208-7206 and EC1212-5021. On 5/7/2026 - 5/8/2026, the claims were processed. The charged invoices on these claims were denied coverage pursuant to the Policys illness waiting period. Per Embrace's Terms and Conditions, these claims are not eligible for coverage due to b... read more
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
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
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 at 8:30 a.m.