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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 |
????? Extremely Disappointed – Avoiding Responsibility I became a policyholder with Embrace Pet Insurance for my three dogs and submitted all their health records from the start, using the same trusted vet for years. Earlier this year, one of my dogs developed a benign tumor that required removal. Since then, it has been nothing but frustration and delays. Despite providing every document requested — including full cooperation from my vet — the company continuously found new reasons to avoid reimbursing me. Each time I satis... 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 7/28/2025. On 3/3/2025, claim number *********** was submitted and subsequently set to pending as our team worked to verify if *** ******'s pet had a valid pre-policy exam or if the illness waiting period on her policy would need to be extended. The claim is currently pending while we verify the pet's medical history and determine if any conditions are pre-existing. Once thi... read more
Terrible service I didn’t know I miss it by one day my policy I thought my courage was supposed to start immediately on 5/20/25 to find out started on 5/22/25 I want some of explanation on this immediately my money refunded
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by J**** ******* on 7/23/2025. Upon a policy being sold with Embrace, or a pet's coverage being added to an existing policy, the policyholder must first agree to a set of acknowledgements outlining the coverage selected and important details about the sale. The policyholder is then provided with all relevant policy documents associated with the sale or coverage change. These document's notate t... read more
Disappointed After 16 Years – Outrageous Premium Hike I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken. Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and mi... 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 7/23/2025. Per Embrace's Terms and Conditions, we may change your premium, but you will be notified of any changes in writing prior to the changes taking place. Embrace understands that substantial premium increases are challenging to navigate, and they are impacting the pet insurance industry as a whole. Some providers have chosen to cancel many of their policies—over 100,00... read more
Disappointed After 16 Years – Outrageous Premium Hike I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken. Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and mi... read more
Terrible service I didn’t know I miss it by one day my policy I thought my courage was supposed to start immediately on 5/20/25 to find out started on 5/22/25 I want some of explanation on this immediately my money refunded Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by J**** ******* on 7/23/2025. Upon a policy being sold with Embrace, or a pet's coverage being added to an existing policy, the policyholder must first agree to a set of ac... read more
Business response:
Not satisfied at all by one day you got me should better explain the plan better
Absolutely Disgraceful I'm a disabled veteran that only used Embrace because **** endorses it. These people refused to acknowledge or process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years insure a pet with these scumbags.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ********* on 7/21/25. On 7/22/2025, claim number ************ was submitted and subsequently processed. The charged invoices on this claim were partially covered. *** *********** policy was closed effective 7/20/2025 in light of his pet passing and Embrace extends our condolences to his family during this difficult time. We appreciate the opportunity to address these concerns and are co... read more
Absolutely Disgraceful I'm a disabled veteran that only used Embrace because **** endorses it. These people refused to acknowledge or process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years insure a pet with these scumbags. Dear Better Business Bureau, EM... read more
Dishonest and scamming pet insurance practice. They lure you in with lower rate and within 2 years the rate increased by 300% (from $60 to close to $300 PER month) while coverage max remains $5,000. When i called to cancel the plan, they cheated me into staying by offering me a lower rate for "another 12 months" and i specifically asked if that rate was valid for 12 months and they said yes which later refused to honor or share the phone recording. I continued paying $156 something for a few more months with no usage at all ... 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 7/16/2025. Per our Terms and Conditions, we may change your premium but you will be notified of any changes in writing. Embrace's premiums are based on actuarial data of all the policies we have in force, and the main factors that impact premiums each year include the age of the pet, tenure of the policy, and inflation, which includes increases in veterinary costs. Embrace's... read more
I have had a policy with Embrace Pet insurance for more than two years, at a cost of $85.79, for a total of more than $2,000. They have turned down both of my invoices for reimbursement for timing reasons, which is absurd. They first requested documents which both I and my vet provided multiple times, dragging the process out for months. They decided that they no longer accept JPEGs or DropBox files somewhere during those weeks. DO NOT EVER USE EMBRACE, unless you want to be effed.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** *****on 7/14/2025. On 6/12/2025, claim number *********** was submitted and subsequently closed. The charged invoices on this claim were denied coverage pursuant to the Policy’s claim submission timeframe. Similarly, on 7/9/2025, claim number *********** was submitted and subsequently closed with no coverage provided due to the the claim being a late submission. Per our Terms and Cond... 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.