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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 |
Today I cancelled my policy on all four of my dogs. I had turned in a claim that was immediately denied by Embrace Pet Insurance. My 11-year-old Golden Retriever developed a small sore on her cheek about a year and half ago. I took her to the vet, assuming she got caught in the rose bushes. Because there was mild swelling, my vet performed a needle biopsy and cytology right in the office. Test showed a little bacterium, so she prescribed a topical cream, which healed the sore completely. On the re-check two weeks later, my v... 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 10/22/25. On 8/5/25, 10/2/25, and 10/13/25 we received claims ************ ************ *** ************ These claims were processed, and it was determined that they were not eligible for coverage due to a pre-existing condition of an undiagnosed mass on ******* policy. Per our Terms and Conditions, if a pet has an undiagnosed mass prior to the policy purchase, this excludes c... read more
Embrace Pet Insurance is a Scam - Beware of Their False Denials and Deceptive Practices I am beyond frustrated and furious with Embrace Pet Insurance, which I now consider nothing more than a scam. My pet's breed is highly susceptible to anal gland issues, which causes severe discomfort. When their anal glands become full, my pet starts licking and scooting, clearly in distress. This is not some “preventative” or “wellness” issue - it is a medical necessity. The vet's note was crystal clear: the glands needed to be extracted... 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 Soumi Biswas on 10/22/25. On 8/14/25, claim *********** was submitted, and the anal gland expression was eligible for reimbursement under our optional Wellness Rewards Plan. As this was not selected to be part of ******** policy, we were unable to provide reimbursement for it. Visit notes were obtained for the date of service for this claim and confirmed that there was no abnormality noted w... read more
BEWARE of EMBRACE Pet Insurance!! I wish i could give them zero stars. Embrace is just another morally bankrupt insurance company. If you are getting insurance when your pet is young to make sure they are covered throughout their life BEWARE. If anything happens to your pet, they will simply raise the premiums astronomically. I was a loyal customer for 14+ years with my two pets. I paid monthly for the past 14 years to ensure my pets were always taken care of as they grow older. Now that my pets are 12 and 14 - Embrace doesn... 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 10/21/2025. Per our Terms and Conditions, Embrace may adjust premium cost, but the policyholder will be notified of any changes in writing prior to the changes taking place in order to allow for any adjustments as necessary. Embrace appreciates the loyalty of our long-term policyholders and understands that especially in these instances, substantial premium increases are... read more
second part of our review...did not have enough characters. In addition to continually rejected claims on my dogs, the customer service representatives continually gave us conflicting or poor information about the way the appeal would be delivered and discussed with us. Some told us it would be a detailed email with the result from the adjuster, some did not know why we received the same claim again with the same denial, and some just didn't know what to say. Again, I have to say, please do your research there are better pet... 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 ****** **** *n 10/19/2025. On 7/23/25, claim ************ was submitted and on 9/15/25 claims ***********, ***********, and ***********were submitted. These claims were ultimately not covered as they were related to conditions that were noted prior to the policy’s purchase. ****** **** purchased a policy for Charm on 6/23/25, with coverage starting on 6/25/25. Prior to the start of Charm’s c... read more
DO NOT RECOMMEND. Used to be really good pet insurance. Sadly has gone down a lot. Website is ridiculously slow. Customer service takes forever if you ever get a response. Almost impossible to find the information you want. The most recent renewal I got only gave total which was a 100% increase in my premium. With no explanation for it and no breakout of premium per pet (I have 4). I emailed them requesting the information which was ignored. It's been a week and still no response. Unfortunately due to their age I have to kee... 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 10/17/2025. 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. Premium increases with Embrace are primarily based on the age of the insured pets, tenure of the policy and also, inflation, including rising veterinary costs. Embrace und... read more
I do not recommend this pet insurance. My dog is turning 12 years old & they more than doubled my premiums. It went from $118 to $247 & their excuse was preexisting conditions. I have had this insurance & they know the one pre existing condition. Never used it on a claim. Then they say they look at if they paid any claims & if they have they raise. Look at Pets best insurance. It is a good insurance & my dog is $130 a month even at her age
THE ONLY REASON IM PUTTING ONE STAR IS BC IT IS FORCING ME TO IN ORDER TO LEAVE A REVIEW!! *******I filed a claim on 08/22/25 & TWICE I was told that Embrace didn’t have all of the information, so I went to the Vet Clinic & called you, you AGAIN said you didn’t have the information, so we verified the email address & resent it. I waited 3 days & checked online & it was still on hold, so AGAIN I called & was told you didn’t have the info, but the Vet copied me on the email, so I scrolled down & said you do have the informatio... 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 10/7/2025. On 8/22/2025, claim number ************was submitted and subsequently set to pending receipt and review of the insured pet's medical history. On 10/7/2025, the claim was completed. The charged invoices on this claim were provided partial coverage. The items not eligible for coverage were not eligible pursuant to the Policy’s illness period. Per our Terms an... read more
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
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 15,187 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 1:00 p.m.