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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 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
This is a scam. I filed 7 insurance claims in one year. They did not honor a single one. I canceled the insurance, they sent me a notice that it was canceled and then continued charging my credit card STAY AWAY. THEY ARE A SCAM
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ***** on 8/19/2025. On 6/10/2025 ***** ***** cancelled their policy with Embrace Pet Insurance via phone call. At this time it was reviewed that Mr. ***** had previously requested cancellation via email, on 6/5/2025, however, as this request was sent to Embrace's Claims Department, the request had yet to be processed. At time of the 6/10/2025 phone call, the cancellation was backdated ... read more
I am so beyond furious right now and cancelling my account with these scammers aka Embrace Pet Insurance. It's like they concoct their own story in their head no matter what proof of information you share with them. I had done an appeal and went above and beyond trying to share that my dog NEVER HAD A HISTORY OF HEART FAILURE but they made up their own story and said "it's clearly shown" that this is preexisting, don't you think I would know if it is. It ridiculous. I will be telling everyone i know with dogs and I know lots... 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 8/4/2025. On 6/27/24, claim number EC0764-9211 was submitted and on 6/17/25, claim number EC0995-2204 was submitted for review. Both claims for Metta were not eligible for coverage due to the notation of a heart murmur being heard prior to the policy purchase. Per our Terms and Conditions, these claims were not eligible for coverage as a heart murmur was heard prior to the ... read more
Do not purchase pet insurance from Embrace. I increased my policy after the death one of our pets. Submitted several claims for our other pet and Embrace will not cover the claims stating pre-existing conditions even though there was NO pre-existing conditions. DO NOT PURCHASE PET INSURANCE FROM EMBRACE.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ****** ********** on 7/29/2025. On 6/16/2025, claim number EC0993-0877 was submitted and subsequently processed. The charges on this claim were not eligible for coverage pursuant to the policy’s illness period, following an increase in the policy's coverage levels. Claim number EC0995-7874 was submitted on 6/18/2025 and subsequently processed. The charges on this claim were ineligible for co... read more
????? 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
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 tomorrow at 8:30 a.m.