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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 |
DO NOT RECOMMEND. Used to be really good pet insurance. Sadly has gone down a lot. Website is ridiculously slow. Customer service takes forever if you ever get a response. Almost impossible to find the information you want. The most recent renewal I got only gave total which was a 100% increase in my premium. With no explanation for it and no breakout of premium per pet (I have 4). I emailed them requesting the information which was ignored. It's been a week and still no response. Unfortunately due to their age I have to kee... 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 10/17/2025. 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. Premium increases with Embrace are primarily based on the age of the insured pets, tenure of the policy and also, inflation, including rising veterinary costs. Embrace und... read more
I do not recommend this pet insurance. My dog is turning 12 years old & they more than doubled my premiums. It went from $118 to $247 & their excuse was preexisting conditions. I have had this insurance & they know the one pre existing condition. Never used it on a claim. Then they say they look at if they paid any claims & if they have they raise. Look at Pets best insurance. It is a good insurance & my dog is $130 a month even at her age
THE ONLY REASON IM PUTTING ONE STAR IS BC IT IS FORCING ME TO IN ORDER TO LEAVE A REVIEW!! *******I filed a claim on 08/22/25 & TWICE I was told that Embrace didn’t have all of the information, so I went to the Vet Clinic & called you, you AGAIN said you didn’t have the information, so we verified the email address & resent it. I waited 3 days & checked online & it was still on hold, so AGAIN I called & was told you didn’t have the info, but the Vet copied me on the email, so I scrolled down & said you do have the informatio... 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 10/7/2025. On 8/22/2025, claim number ************was submitted and subsequently set to pending receipt and review of the insured pet's medical history. On 10/7/2025, the claim was completed. The charged invoices on this claim were provided partial coverage. The items not eligible for coverage were not eligible pursuant to the Policy’s illness period. Per our Terms an... read more
I have been an embrace customer for 4 years, we have had some delays and bumps and some appeals but overall good experience. My renewal just came in and my monthly premium has increased 49%!!!!!! I understand with age prices can increase but almost 50%??? my dog is 6, not 12 or 15. I called customer service, friendly as always, however only able to offer that I lower my coverage. what a sham, 20% increase? sure! but 50%? and not being able to offer a loyalty discount or something like other insurance types, that is greed.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ****** on 9/26/2025. Embrace's premiums are calculated using actuarial data of all policies in force throughout the company, and the primary factors that impact premiums each year include the age of the pet(s), tenure of the policy, and inflation, including increases in veterinary costs. Increases with Embrace policies do meet all state compliance standards and as was mentioned, our po... read more
We have been paying premiums for years and our pets are healthy. But when the need came with my pets, even with complete history, not one claim was considered. They will no longer care about getting a bad review after getting thousands of dollars. Fake positive reviews will keep coming for more victims like me. Karma will take care of it. We could have used our hard earned money for real insurance out there. So sad.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by J.P on 9/23/2025. On 7/15/2025 claim number *********** was submitted and subsequently set to pending awaiting receipt of the insured pet's full pre-policy medical history. On 7/22/2025 claim number *********** was submitted and also set to pending awaiting the same information as the other submission. Per our Terms and Conditions, in order to process a claim Embrace must have access to a pe... read more
We paid our premiums starting at $52/month in 2017 and the prices gradually went up to us now paying $164/month. We had questioned why the premium went up during the first part of the Covid pandemic and we were told it was a one-time jump and should just rise gradually from that point. We have had zero claims for our dog other than the yearly $250 Wellness Reward that we pay $18/month. Now, all of a sudden, our premium jumped to $250/month. From now on we will just put our premium money aside as opposed to giving it to these... 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 9/22/2025. 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 premium increases do meet all state compliance standards and policies are structured in a way to allow each ... 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
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.
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 14,105 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open on Monday at 8:30 a.m.