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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 specifically called to inquire about preventative maintenance options for my pets. After paying into a policy suggested by one of the representatives, I was informed that I could not get reimbursed. Before canceling, I was offered the option to pay for another policy that does cover this reimbursement. It's ridiculous that I was paying into this policy for an entire year only to find out that I could not submit my claim for my cat's vaccinations. This feels very misleading, and I feel that I was ripped off.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ** ****** on 7/7/2025. On 7/3/2025, claim numbers ***********and ***********were submitted and subsequently processed. On 7/4/2025, the claims were completed. The charged invoices on these claims were denied coverage as the related invoices contained items eligible only under Embrace's optional Wellness Rewards coverage. Per our Terms and Conditions, the cost of services related to routine a... read more
This is by far one of the most dishonest and unreliable insurance companies I’ve dealt with. They go out of their way to deny legitimate claims, using false accusations and outdated or irrelevant information to justify their refusal. In my case, they falsely claimed I had overlapping coverage with a Canadian policy that was cancelled over three years ago—an absurd and baseless excuse. Their behavior suggests either gross incompetence or serious financial instability. Either way, they’re clearly more interested in avoiding pa... read more
TL;DR: Embrace used our dog's experience of diarrhea in a shelter as a puppy to establish a pre-existing condition that has lasted 1.5 years despite the infrequency of symptoms (any single admission of vomiting / diarrhea resets a 12-month clock), and recently used it to get them out of covering an exam and x-ray for panting, gagging, and extreme lethargy. This is disingenuous at best, and a shady practice at worst. We took our dog Jeeves into the vet on 3/19/25 a day after he demonstrated excessive panting, gagging, and ext... 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 6/24/2025. On 3/21/25, claim number *********** was processed and found to be ineligible for coverage. The charges on the invoice were ineligible for coverage as they were related to pre-existing conditions (vomiting and diarrhea) that were noted within the policy’s illness waiting period. Pre-existing conditions are classified as any abnormality in a patient’s normally he... read more
Disappointed with Embrace – Insect Bite Not Considered an “Accident” I purchased accident coverage from Embrace to ensure my dog, ******would be protected in unexpected situations. Unfortunately, when she suffered a clear reaction to insect bites after playing in a field—something any pet owner would reasonably consider an accident—Embrace denied the claim. The veterinarian's note confirmed that her symptoms were consistent with insect bites or stings, yet Embrace still refused to cover the incident under the accident plan. ... 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 6/23/25. On 6/22/25, claim number *********** was submitted and subsequently processed as not covered. The charged invoice on this claim was ineligible coverage as ***** *as an accident only policy and they were seen for a suspected illness. Per our Terms and Conditions, illnesses are not eligible for coverage on policies with coverage for accidents only. As the medical histo... read more
Increased policy by a couple thousand every year on top of the $400 deductible that doesn’t cover preventative care, dental, etc. They want over 8k this year & once a dog is 16 they have preexisting conditions other companies won’t cover - so embrace takes advantage of that. TOTAL SCAM
Business response:
**** ****** ******** ******* EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******** *********** on 6/23/2025. Embrace Pet Insurance's premiums are based on actuarial analysis of all the policies we have in force. The main factors that impact premiums each year include the age of the insured pet(s), the tenure of the policy, and inflation, including increases in veterinary costs and accessibility of veterinary care. All premium increases implemented through Embrace ... read more
Outrageous premium increase of 400% After 15 years of paying monthly premiums including very minor yearly increases this year they raised my premium over 400%. I went from paying $81/month to the new increase of $322.50/month!! The person I spoke with thought this was entirely reasonable and offered to cancel the policy since I was so unhappy with the change. So yes the service was good for those years but this is how they treat you and your precious pet when they would probably need it the most. Don't fall for this trap
Business response:
**** ****** ******** ******* EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* ***** to the complaint filed by **** ***** on 6/6/2025. 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. 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 whole... read more
Horrible pet insurance. Have accident and wellness coverage on my pet. Have had multiple wellness exams that they covered no problem. I requested that they get my animals previous history to make sure his coverage was activated after waiting period. Was told all was good fast forward 4 months and my boy swallowed a piece of plastic and when throwing it up he also threw up blood so I rushed him to a pet hospital. 3 X-rays and $700 later he was given a clean bill of health. THANK GOD. Filed a claim for reimbursement and was in... read more
Business response:
**** ****** ******** ******, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ****** on 5/29/2025. On 5/19/2025, claim number *********** was submitted for processing. The claim is currently set to pending as we review *** ********pet's medical history. As our Terms and Conditions state, Embrace will attempt to collect your pet(s) medical history from all Veterinary Providers you inform us of at the start of your policy; however, we will not review the medical h... read more
Disappointed with Embrace Pet Insurance – Denied My First Claim and Raised My Premium I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or ... 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 5/28/2025. On 5/23/2025, claim numbers *********** *** *********** were submitted and subsequently processed. On 5/28/2025, the claims were completed. The charged invoices on these claims were denied coverage pursuant to the Policy’s illness waiting period and because the policy in question did not include Embrace's optional Wellness Rewards Coverage. Per our Terms and Condi... read more
EMBRACE PET INSURANCE ARE CROOKED AND RUN BUY SCAM ARTISTS. Had their top level of insurance on my 2 jack Russell’s for over 2 years filed my first claim 2 months ago for a simple ear infection.They gave me the run for 2 months and denied the claim stating that he wouldn’t be covered because 2 years ago he had an ear infection. Claiming now it’s considered a chronic condition. Then during that 2 months sent me an email pertaining to my other dog stating that they had reviewed his records and and he would not ever be covered ... read more
Business response:
**** ****** ******** ******* EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******* ****** on 5/27/2025. On 4/10/2025, claim number *********** was submitted and subsequently processed. On 5/3/2025, the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policy’s illness waiting period. Per our Terms and Conditions, the diagnosis or symptom relating to this claim and the noted condition of aggression for Mr. *******s other do... 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.