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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 |
Embrace Pet Insurance Company does not act in good faith. They do not honor their contract. My dog is adopted. They did a thorough search of all health records from previous vet clinics. They established pre-existing conditions based on the data they obtained and then provided a waiting period for services. I have saved these communications. When submitting a claim, they have unreasonably delayed the process by again, going back to a vet office (4 hours from where I live) to seek more information (that they already had from ... 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 12/7/2025. On 10/9/2025, claim number EC1073-0561 was submitted and subsequently set to pending as Embrace collected and reviewed the insured pet's medical history, this process was completed to review possible expiration of the pet's temporary pre-existing conditions exclusion(s). On 12/11/2025, once the related information was verified, the claim was completed. The charge... read more
I paid over $300 a month to insure three dogs. I have filed two claims that sit in limbo. I am told they keep needing this or that from the vet. I have uploaded everything they say they need manually using their app. When I address that, they need something else. It's clear that they are never going to pay out, and I am paying a premium for nothing. IT'S A TOTAL SCAM!!! They are nice on the phone, and they make a lot of promises about what they will do and what they will cover. But then again, that is probably true of most S... 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 12/5/2025. On 11/10/2025, claim number EC1093-7670 was submitted and subsequently set to pending as Embrace obtained and reviewed the insured pet's pre-policy medical history. Medical history must be obtained and reviewed for all insured pet's prior to the determination of any claim coverage. On 12/9/2025, once all related information had been received and reviewed by Embrac... read more
Trying to cancel the policy because the 2026 premium doubled over last year. Cant get a confirmation of cancellation. Policy number is EP0058-8974
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ****** on 12/5/2025. On 12/3/2025, ***** ****** was contacted regarding an inquiry to cancel their Embrace Pet Insurance policy. At this time, options were reviewed for reduced coverage and no changes to the policy were made. On 12/4/2025, after further review, ***** ****** requested non-renewal of their Embrace Pet Insurance policy. On 12/5/2025 this request for non-renewal was fulfil... read more
Wouldn't even provide any stars. Very disappointed. Beware Embrace considers fatty tumors on a lab a pre-existing condition and will deny you any type of cancer coverage, when fatty tumors are not necessarily cancerous. My labs doctor thought this fatty tumor was suspicious, embrace denied the biopsy and removal citing she had previous fatty tumors aspirated. Anyone who has labs knows they all have fatty tumors. Couldnt cancel fast enough. Just glad I only paid for 6 months. Will be passing this info along to all of. our dog... 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 12/2/2025. On 11/12/2025, claim number EC1096-7287 was submitted and subsequently set to pending as Embrace reviewed the insured pet's medical history. On 11/14/2025, claim number EC1095-1598 was submitted and also set to pending as Embrace completed the review of the insured pet's medical history. As these claims are in the process of being reviewed for potential coverag... read more
No negative 3 stars. Wow what a well developed plan and dam intelligent people running this scam..they will not pay out to you or your vet .they have a system of team member work together to s*** you from one person. To another each well trained in manipulation patterns. The don't pay insurance bills .look how many policies you think the collect on? Yhea go to there site check out how many payouts they have mad. Then ask yourself what the ****.yheap a great team of crooks .I'm digging deep in to the *** owner founder adjuste... 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 ***** Love on 12/2/2025.On 10/7/2025, claim number EC1070-8042 was submitted and subsequently set to pending as Embrace worked to obtain the insured pet's pre-policy medical history from all relevant providers. On 12/3/2025, the claim was completed, after all necessary documentation was received. The charged invoices on this claim were provided partial coverage. The covered items being eligib... read more
Hate to have to give this rating but I have to. I have been with embrace for about 4 years. I received the quote for next year and my jaw dropped. I understand as a pet ages the cost for renewal goes up. It works the same way with humans. Every year it would go up around $100-200 but not this time. I paid about $700ish for all of 2025 and next year is about $1300ish. Almost double, this is insane. It was this year that I discovered he has ********* Disease and gallbladder sludge, what a coincidence. I believe this is decepti... 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 11/23/2025. 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 in order to allow for any coverage adjustments necessary. Embrace understands that substantial premium increases are challenging to navigate, particularly in the instance of a policy for a pet with medical concerns... read more
I have had embrace for YEARS. For several different cats. I love the app function til about 5 years ago and then it was a c*** shoot trying to get it to load. But I loved their coverage so I stuck with it. My amazing cat just turned 18..Embrace raised my cats Premium by over 430%Just when I needed them, they were not there.I called several times and the people on the phone were nice and told me it must be a mistake.But three different **************** people looked into my case and went to talk to managers and yes they were ... 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 ********* j on 11/15/2025.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 who... read more
Title: Formal Review and Dispute Erroneous Classification of Pre-Existing Condition (Case Ref: Mellow-2025-EPI-D-1109)Rating: ?????This review serves as a formal record regarding Embrace Pet Insurances determination of a pre-existing condition for my dog, Mellow (Case Reference: Mellow-2025-EPI-D-1109). Upon review of all medical documentation provided by my licensed veterinarian, there is no clinical evidence nor any documented diagnosis to support Embraces classification of the condition as pre-existing.Findings of Fact:1.... 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 11/10/25. On 10/27/25, pre-certification, EC1082-961,8 was submitted and formally processed. The estimate on this pre-certification was not approved for potential coverage as the diagnosis received for the pre-certification was noted to have occurred prior to the policy purchase.Prior to the policy purchase, ******* had informed their clinic that Mellows cherry eye had occu... read more
If I could give zero stars, or even negative stars, I absolutely would. This company is a complete and utter scam. Embrace Pet Insurance is nothing but lies and deception they dont cover a single thing and will always come up with some ridiculous excuse to deny your claim. Its unbelievable how theyre even allowed to operate. Avoid them at all costs save yourself the frustration, money, and heartbreak. DO NOT USE EMBRACE PET INSURANCE.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******* ****** on 11/7/25. On 10/5/25, claim number EC1069-5601 was submitted and subsequently processed. The charged invoice on this claim was denied coverage pursuant to the Policy not having Embrace's optional Wellness Rewards coverage. On 11/7/25 claim numbers EC1091-7932 and EC1091-7896 were submitted and processed. The charged invoices on these claims were denied coverage pursuant to t... 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 15,184 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.