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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 |
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
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
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 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 ac... read more
Business response:
Not satisfied at all by one day you got me should better explain the plan better
Absolutely Disgraceful I'm a disabled veteran that only used Embrace because **** endorses it. These people refused to acknowledge or process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years insure a pet with these scumbags.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ********* on 7/21/25. On 7/22/2025, claim number ************ was submitted and subsequently processed. The charged invoices on this claim were partially covered. *** *********** policy was closed effective 7/20/2025 in light of his pet passing and Embrace extends our condolences to his family during this difficult time. We appreciate the opportunity to address these concerns and are co... 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 14,414 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.