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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 |
Terrible first experience with them. This was my first attempt at obtaining insurance. My cat is not being covered because of the word diarrhea, which they've listed as a permanent condition in his chart. Diarrhea is a sign/symtom that goes along with many conditions and illnesses. To claim diarrhea as a pre-existing condition is absurd. He had a parasite. He had giardia at about 3 months old, and had some diarrhea with it. He was treated, along with my other cats, and tested negative for it. He has now, 9 months later, test... read more
Business response:
Dear Better Business Bureau, Embrace Pet Insurance is responding on behalf of ******** ****** ********* *****to the complaint filed by ****** *******. ****** submitted four claims for their cat ***between the dates of 2/28/25-3/6/25 ************* ************ ************ *** *************These claims have since been reviewed and it was determined that they were not eligible for coverage due to a pre-existing condition of diarrhea. Diarrhea is a clinical sign for feline coronavirus (FCoV), which ***tested positive for, and f... read more
TERRIBLE - do NOT get insurance from them.... They had medical information regarding my dog for over a year and NEVER said that there were any preexisting conditions. Over a year after one operation my dog needed another - on a different leg - and they came back with a list of preexisting conditions and refused to pay for the surgery. Not only poor business practice but fraudulent. They had over a year to list all the issues they thought were preexisting but waited till I sent a claim in to realize there were not just one bu... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* *****to the complaint filed by Marsha Laughter on 3/22/2025. On 2/20/2025, claim numbers ************ *********** *** ***********were submitted and subsequently processed. On 3/21/2025, the claims were completed. The charged invoices on these claims were denied coverage pursuant to the Policy’s orthopedic waiting period. Per our Terms and Conditions, these claims are not eligible for coverage, as the claimed diagnosis of a... read more
After paying premiums for a year, I believe this is a scam! If I could give them negative stars, I would. I have made 4 total claims on my two pups (1 year old and 2 year old - very healthy dogs). Embrace will not pay for anything. They make you gather more and more info and then still say it's incomplete and then they dodge the claims and explain why they won't pay in the fine print. Total waste of money and time! Please save yourself the anguish of working with them. Do not give them your money. This appears to be a scam a... 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 Brett Tucker on 3/17/2025. On 11/12/2024, claim numbers EC0854-7805 and EC0854-7807 were submitted and subsequently processed. On 11/13/2024, the claims were completed. The charged invoices on these claims were denied due to being classified as routine or preventative care in nature. Per Embrace's Terms and Conditions, wellness charges are not eligible for coverage under the insurance. On 11... read more
I have been a customer of Embrace Pet Insurance for four years, but my recent experience has been beyond frustrating. They denied my claim, stating the condition was pre-existing, despite my veterinarian explicitly stating that the issue had nothing to do with the pre-existing condition they referenced. My vet provided multiple emails with supporting medical evidence, which Embrace completely ignored. They also refused to speak with my vet directly, further delaying and obstructing the process. To make matters worse, after d... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* *****to the complaint filed by ***** *******on 3/14/2025. On 6/28/24, a claim was submitted for a dental procedure as well as mass removals. The items related to the dental procedure and one of the mass removals were ineligible for coverage as these are pre-existing conditions. Per our Terms and Conditions, the claimed diagnoses of periodontal disease and sebaceous adenomas are not eligible for coverage. Additionally, dent... read more
0 stars. This company is a scam. After 9 years as a loyal customer, they raised the premiums from 2024-2025 over 100%. For no reason other than my dog is now 9Years old. If you are thinking of becoming a customer, don’t. I doubt you’ll find embrace or any other pet insurance to be worth the money. This greedy company does not care about your pet, loyal customers or your pocketbook. Shame on you, Embrace!
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by Rochelle Lathan on 3/6/2025. Per our Terms and Conditions, we may change your premium but you will be notified of any changes in writing. Embrace does allow all Pet Parents to reduce their coverage, as needed to fit their pet's indiviual needs and budget. ******** ********policy was cancelled effective 3/6/25, at the Pet Parent's request. We appreciate the opportunity to address these concer... read more
Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company I have never written a negative review before. Typically, when I encounter a bad experience, I try to resolve it directly and find an amicable solution. However, that was impossible with Embrace. I purchased a policy for my yellow lab—my child—a few months ago and followed every rule in their book to ensure that, if and when I needed to file a claim, it would be handled fairly, ethically, and professionally. I submitted all required medical records dating b... 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 S****** ***** ** ********* On 3/5/2025, claim number *********** was submitted and subsequently eligible for coverage. On 3/3/2025, claim number ***********was submitted and subsequently completed. The charged invoices on this claim were denied coverage pursuant to the Policy’s illness period. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage. Sandeep Kumar'... read more
My husband and I have a 4 year old doing going on 5. We had embrace for 1 year. During that time, they upped our monthly from $63 to $90 a month because of, "inflation". This was the LESSER of the plans. The thing that made us cancel was we went and go our dog his annual wellness visit, which cost us $290. Because we had scheduled our wellness visit 4 days sooner than 1 year due to the vet's scheduling conflicts (we needed our dog to get the flu and bordatella shots in order to keep going to dog daycare), they refused to rei... 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 Carly Marshiano on 3/5/25. Per our Wellness Rewards Certificate of Coverage, we will reimburse up to the Pet Parent's chosen allotment per policy term. Wellness Rewards claims must be processed in accordance to the date of service listed on the invoice, in line with the policy term that the date falls within. We were unable to locate this Pet Parent's policy given the name and email address ... read more
Embrace keeps your credit card info on file. They charged me for my second years insurance, which was fine. However, I don't like companies automatically charging from my card, nor do I want my credit card info potentially hacked. So, I called their customer care number on their web site only to get some AI search engine asking to sign up for a Medicare medical device. It was an endless loop. I hung up, and finally found a number after a Google search that got me to their customer service site. A pleasant women answered the ... 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 **** *****. Per our Terms and Conditions, policies are set to renew automatically. In line with this, we must have billing information on file. **** ******s policy was cancelled effective 3/4/2025, at the request of the Pet Parent. As a result of the cancellation, after the related refund has been processed, the billing information is removed from the account. Embrace has responded to other ... read more
RIP OFF! My professional obedience dog has a congenital spine deformity that requires SPECIALIZED, licensed physical therapy to correct and maintain her training. We were referred out by our vet. She had 12 treatments, I submitted the claim and "not covered" due to the fact the therapy was not performed by a licensed vet or overseen by a licensed vet under their roof. WHAT?? A SPECIALIZED, licensed physical therapist that focuses on this rehab. EMBRACE told me it would be covered if I traveled 300 miles three times a week to... read more
Business response:
Dear Better Business Bureau, Embrace Pet Insurance is responding on behalf of ******** ****** ********* *****to the complaint filed by ********* ******. On 1/21/25, claim number ***********was submitted and subsequently processed on 2/19/25 and ultimately not covered due to the policy’s Terms and Conditions. Per our Terms and Conditions, the above mentioned claim was not eligible for coverage as the location that performed the alternative therapies does not have a veterinarian on staff. For alternative therapies to be eligib... 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 13,877 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.