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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 strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage. We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this ... 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 9/18/2025. On 5/6/2025, claim numbe* *********** was submitted and subsequently processed. On 6/2/2025, the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policy’s illness period. Per our Terms and Conditions, this claim was not eligible for coverage as the condition noted was determined to be pre-existing forb *** ********** **... read more
I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage. We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this ... read more
my cat died two months ago. I never used my policy before I paid into it for years. I have not received a dollar from them. They requested the same documents three times from the vet. I sent them the same documents twice and they keep requesting the same things I had healthy paws for 10 years. I have the money in my bank account in less than a week. Do not trust this company.
I don't often write poor reviews but DO NOT buy this pet insurance. We got a new puppy in January. I mentioned to our vet that he was vomiting after eating dirt. It was noted in his chart. In August, he began vomiting violently and we took him to urgent care. Embrace denied this claim calling it a pre existing condition. This insurance is a waste of your money and unethical.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ******on 9/5/2025 On 8/11/2025, claim number *********** was submitted and subsequently processed. The charged invoices on this claim were not eligible for coverage pursuant to the Policy’s illness waiting period. Per our Terms and Conditions, this illness (vomiting) is not eligible for coverage as it was determined to be pre-existing for *** ******** **** ****** ***** ******** policy ... read more
Not worth it. They will find any and all excuses to not pay claims.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ******on 9/3/25. Embrace Pet Insurance works to provide coverage of valid claims submitted against our policies in line with our Terms and Conditions. If a policyholder has any questions about why coverage was not available on a submission our team is available to discuss their concerns. We were unable to locate this Pet Parent's policy given the name and email address noted, if the Pet... read more
A week after my dog was attacked by a coyote, I attempted to file a claim online. I could not log in because my username and pw were denied for no reason. Multiple unanswered calls, ridiculous wait times, finally one email directing me to the same 1800 number that no one answers. Four months after I attempted to file the claim, I am still unable to log in. It is still impossible to get phone assistance.and as of 8/22, the email customer support says no one is available. Im owed a substantial amount of money. My premium is $8... 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 Pamela Page on 8/22/2025. Review of ****** ****'s policy with Embrace shows that she was emailing a representative directly, who is no longer with Embrace. These emails occurred regarding assistance with logging into Ms. *****s MyEmbrace portal and submitting a claim. The representative's manager, who was receiving forwarded messages, provided Pamela Page the primary customer service contact... read more
This is a scam. I filed 7 insurance claims in one year. They did not honor a single one. I canceled the insurance, they sent me a notice that it was canceled and then continued charging my credit card STAY AWAY. THEY ARE A SCAM
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ***** on 8/19/2025. On 6/10/2025 ***** ***** cancelled their policy with Embrace Pet Insurance via phone call. At this time it was reviewed that Mr. ***** had previously requested cancellation via email, on 6/5/2025, however, as this request was sent to Embrace's Claims Department, the request had yet to be processed. At time of the 6/10/2025 phone call, the cancellation was backdated ... read more
I am so beyond furious right now and cancelling my account with these scammers aka Embrace Pet Insurance. It's like they concoct their own story in their head no matter what proof of information you share with them. I had done an appeal and went above and beyond trying to share that my dog NEVER HAD A HISTORY OF HEART FAILURE but they made up their own story and said "it's clearly shown" that this is preexisting, don't you think I would know if it is. It ridiculous. I will be telling everyone i know with dogs and I know lots... 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 8/4/2025. On 6/27/24, claim number EC0764-9211 was submitted and on 6/17/25, claim number EC0995-2204 was submitted for review. Both claims for Metta were not eligible for coverage due to the notation of a heart murmur being heard prior to the policy purchase. Per our Terms and Conditions, these claims were not eligible for coverage as a heart murmur was heard prior to the ... read more
Do not purchase pet insurance from Embrace. I increased my policy after the death one of our pets. Submitted several claims for our other pet and Embrace will not cover the claims stating pre-existing conditions even though there was NO pre-existing conditions. DO NOT PURCHASE PET INSURANCE FROM EMBRACE.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** ********** on 7/29/2025. On 6/16/2025, claim number EC0993-0877 was submitted and subsequently processed. The charges on this claim were not eligible for coverage pursuant to the policy’s illness period, following an increase in the policy's coverage levels. Claim number EC0995-7874 was submitted on 6/18/2025 and subsequently processed. The charges on this claim were ineligible for co... 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 13,876 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.