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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 |
Typical Insurance. Pay monthly and when you submit a claim, "we don't cover that" I swear all insurance in ******* is just a giant scam! Add Embrace to the list now.
Thank you all for your shared experiences. I am seeking coverage for my dog and will be seeking another company. Thank you!
I have been trying to cancel my insurance with Embrace every time I call I am put on hold for an hour or longer. I cannot cancel via the app and it will not let me cancel on their website. This is very frustrating. They say that they have a very good rating with the best Better Business Bureau but I kind of doubt that.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******** **** on 3/2/2026. 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 v... read more
On 24 February 2026 I filed a claim with Embrace Pet Insurance for Tooth Root Abscess. I received an email informing me that the claim was denied due to a pre-existing illness of Periodontal disease notated in 2023. The email indicated that I can refute the claim with perhaps a doctors note or any other information that I may have. The medications prescribed were also denied in the claim because they were used to treat the condition. I had a question about the medications being denied so called customer service for clarifica... 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 3/2/2026. On 2/24/26, claim number ***********was submitted and subsequently processed. The claim was ineligible for coverage as dental disease had been noted prior to the policy purchase and was therefore a pre-existing condition.Per our Terms and Conditions, pre-existing dental disease is not eligible for coverage until a dental cleaning has been performed. Ms. ******** ... read more
Ive been with Embrace for years and just received my renewal notice. The new premium is $918.31 per month. That is over $11,000 per year to insure two senior pets.For comparison, my current billing shows $279 per month. So we are talking about going from roughly $3,300 per year to more than $11,000 per year at renewal.That is not a modest increase. That is a financial shock.What makes this worse is that they have never paid a single claim since I purchased the insurance. Reimbursed to date is $0. So after years of paying pre... 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 ****** So on 3/1/2026. Embrace's premiums are based on actuarial review of all the policies we have in force, and the primary factors that impact premiums each year include the age of the pet, tenure of the policy, claims data, and inflation, which includes increases in veterinary costs and more advanced care being available. Embrace's premium increases do meet all state compliance standards... read more
I applied for this insurance for my senior pup over a year ago based on a family referral. However, the process has been more painful than helpful. To start, the plan cost me well over $240 per month just to make sure that my senior baby is covered if something happens. This pooch is in **** near perfect health for his age and his vet records have proven that, but recently we needed to file a claim due to a new lipoma that showed up. The vet needed to biopsy and examine the bump just to make sure it wasn't cancer and when I ... 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 2/18/2026.On 1/2/2026, claim number EC1126-9633 was submitted and subsequently set to pending as Embrace worked to obtain the insured pet, ********, pre-policy medical history. On 2/20/2026, the claim was reopened and completed, as all relevant medical history had been received and reviewed in order to determine coverage. The charged invoices on this claim were allocated part... read more
This company is terrible! They are refusing to cover my service dog because they claim she had a pre-existing condition. This condition was apparently treated prior to her becoming my service dog. I wasnt aware of any issues or any prior medical diagnoses. Embrace only had that vets records because I told them thats where she was seen prior to the organization transferring her to me. I didnt see anywhere on the records where she was diagnosed for allergies just was seen because she was itchy or something. Again, not when she... 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 2/13/2026. On 2/1/2026, claim number EC1146-9279 was submitted and subsequently processed. On 2/13/2026 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, this illness was deemed a pre-existing condition, which is not eligible for coverage under Embrace policies. ****** ... read more
At first, Embrace seemed fine. They approved several claims for my cats GI issues, parasite treatment, suspected FIP, and even an ear infection. But once the claims became more complex, everything changed.Embrace began denying claims using shifting and contradictory explanations: They claimed a gastrointestinal coronavirus titer was related to a pre-adoption upper respiratory infection, even though my cat has not had a single sneeze or any *** symptoms since the day I adopted her. They reclassified a temporary *** exclusion ... read more
Embrace has become outrageously expensive with almost no real benefit. They raised my premium to $2,400 this yearnearly a $1,000 increase. Even after adjusting the plan, my annual premium is still $1,743, with a $1,000 deductible and 10% coinsurance. To even reach the maximum $5,000 reimbursement cap, my pet would need $6,555 in covered vet billsleaving me paying $3,298 out of pocket ($1,743 in premiums + $1,000 deductible + $555 in coinsurance). Thats an absurd value proposition.They justify this massive increase by citing ... 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 2/10/2026. 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 necessary. Embrace understands that substantial premium increases are challenging to navigate, and it is important to note that they 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 14,914 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open on Monday at 8:30 a.m.