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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 |
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
**************! Try to "bait and switch" customers when they wish to cancel their policy. Ask customers to reconsider and call back and continue to bill at full amount hoping customers dont call back. I am shocked **** has a relationship with this unethical company.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ******** on 1/28/2026. We're sorry **** ******** was disappointed with our services. We will continue to work on improving our processes to offer the best customer service possible for all our policyholders.**** ********** policy was cancelled on 1/26/2026. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.
Complete waste of money, maybe a total scam. I started my policy when my cat was 4.5 months old and canceled it after a year because he was recently diagnosed with IBD and embrace won't cover ANYTHING digestive related all because my little kitten had one instance of vomiting prior to my policy start date. He could have vomited for any reason, ie eating plants or food he's not supposed to, or eating too quickly, but because it was on his medical record ********************** said they would not cover anything digestion relat... 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 1/5/2026. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage under policies with Embrace Pet Insurance. As ********* **** pet, Bayabas, had exhibited vomiting prior to the start of the policy or through the illness waiting period, claims related to vomiting are not eligible for coverage. ********* **** cancelled their policy effective 2/4/20... read more
My premium went from $400 to $800 PER MONTH. They gave generic answers such as rising veterinarian costs in your area and age of pets and other generic reasoning for the increase. Their computer models basically doubled our premium so we would cancel. Now, if I go somewhere else, I may have preexisting conditions that wont be covered under another policy or company. Embrace said they could save me money by increasing my deductible. So, essentially they want me to pay $500-$600 per month and have an even higher deductible for... 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 12/31/2025. Embrace's premiums are based on evaluation of actuarial data of all the policies we have in force. With the main factors that impact premiums each year including the age of the insured pet(s), 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 structu... read more
I started making payments since may 2025. The company requested documents and they were forwarded to them. I took my dog for a visit and paid $270.00. I filed out paperwork with the doctor notes for 70% reimbursement And as of today no reimbursement. The premiums have been taken out monthly but no reimbursement. They have requested previous visit for my dog and the documents have been sent and received. My husband and I are retired and I am disabled. We care about my dog but unfortunately this company is a fraud. This compan... 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 12/30/2025. On 10/29/2025, claim number EC1085-6973 was submitted and subsequently set to pending as Embrace worked to obtain all relevant medical history for insured pet, ****. On 1/6/2026, the claim was reopened and is currently being reviewed for potential coverage. The reason the claim was able to be reopened is that we have now received all relevant pre-policy medical hi... read more
This company is getting away with doubling everyones premium and then meeting this with inflation and tenure as a valid justification. Dont waste your time with Embrace, ***** needs to drop all affiliation with these scammers, they do not care about their customers or their pets, very sad. The rising costs in the industry is total BS. I made one call and found a premium that was the same as what I had starting with Embrace 5 years ago before they started doubling the premium each year. The funny part is we havent even submit... 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 12/21/2025. 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 pet ... read more
Embrace pet insurance will find ways not to pay the claims! My dog ate a bur and was coughing so naturally I took him to the vet. Embrace claims that the bur may not be the cause. Since a day after he ate the bur clearly passing it my dog has been 100% fine. I wonder if a person at Embrace at a few burs if they might cough?? Not worth the coverage as they ****** do not want to cover the dog!
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** ******* on 12/18/2025. On 10/24/2025, claim number EC1082-6806 was submitted and subsequently processed. On 10/27/2025, 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, pre-existing conditions are not eligible for coverage, including those which are noted within the illness wa... read more
This company is a total scam! They wont cover anything and they double your premiums every single year. Theyre stealing money from every one of their customers and they need to be shut down immediately. They told me that the premium price increases only based on tenure and if you change your coverage it will reset your tenure and lower your premium but then if you ever want to change it back, you will have to go through the review period again and anything that has been discovered since then will then be considered a pre exi... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed on 12/12/25. Embrace understands that facing premium increases with one's pet insurance policy can be challenging. We find it important to note that increasing premiums are impacting the pet insurance industry as a whole, with some pet insurance providers cancelling policies or reducing coverage on policies without the policyholders consent. All changes which are being done in order to maintain... 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 15,197 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.