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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 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.
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
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 14,411 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.