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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 adopted a small ex breeder dog from a rescue in GA. She was 7 I decided on Embrace, the policy was over $800.00. August 2024, not long after I took out the policy, she climbed up in the counter. She abruptly fell before I could catch her, landing on her face. Her jaw was broken. I rushed her to my Vet, they said they could not help me & I should go to their Urgent care, they too couldn’t help me, but referred me to a Vet who specialized in that type of care. I brought her in. She was seen by a vet who said that she needed ... read more
Business response:
Dear Better Business Bureau, Embrace Pet Insurance is responding on behalf of ******** ****** ********* *****to the complaint filed by ****** ******. On 10/31/24 three claims were submitted (************ ************ *** ***********). These claims were ineligible for coverage due to the Policy’s illness waiting period. Per our Terms and Conditions, these claims are not eligible for coverage as the diagnoses on these claims were for periodontal disease and a mandibular fracture that were noted during the policy’s illness wait... read more
Reading the complaints I see they do this to everyone. Very slow, low quality service. I’ve had them for two years but still continue to try to add pre existing conditions. This should be figured out before 2 years. I would not recommend them to anyone. I have another pet insurance and they are light years ahead of Embrace. Save your money and go somewhere else. This company is trash.
Business response:
**** ****** ******** ******* EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** *******. On 2/11/2025, claim number *********** was submitted and subsequently set to pending as we reviewed additional medical history for Mr. ********* pet in attempts of expiring temporary pre-existing condition(s). On 2/21/25, the claim in question was reopened. The charged invoices on this claim are currently undergoing review and will be processed in pursuant to the policy’s cover... read more
God I hope this company gets shut down. Please listen to these reviews and avoid them. I regret ever starting my pets on this policy. All they do is deny any possible claim. They relate an ear infection to any type of skin infection. I think they honestly make this stuff up it’s wild. I do not trust them at all at this point because they will say everything is because of one tiny preexisting condition. If you even mention something in the vet notes they will get you for it even if your pet doesn’t have confirmed issues.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by Samantha J***** on 2/12/25. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage. At this time, we see that you have contacted a team member regarding your concerns with the pre-existing conditions identified for your pet. We will ensure that you are contacted within a timely manner regarding these concerns and that your remaining claims are processed. We appre... read more
I had 3 pets insured for 2 and a half years, when filing my first and only claim with them, they classified the condition as a preexisting condition, denied my claim, and then offered a reimbursement of less than 2 months worth of premiums. I then learned, they had been increasing premiums without notifying me. I strongly recommend reviewing the experience of people who have submitted claims before signing up with them and will now personally only work with a service directly attached to my vet.
Business response:
EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ******** on 2/7/2025. On 10/28/2024, claim number **********9 was submitted and subsequently processed. On 1/28/2025, the claim was completed. The charged services on this claim were denied coverage pursuant to the Policy’s illness waiting period. Per our Terms and Conditions, this claim and the related diagnosis are not eligible for coverage. Per our Terms and Conditions, notice of policy renewal and anticipated r... read more
Took our money for years and when we needed them refused treatment.
Business response:
Dear ****** ******** ******* Embrace Pet Insurance is responding on behalf of American Modern Insurance Group to the complaint filed by **** ****** ** ******* regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. At this time we encourage Ms. D***** to contact us directly should she want to review her concerns further. We can reached at e************************************. Please be advised that the information contained herein is meant to be responsive to your... read more
DO NOT GET THIS INSURANCE. I was told I needed exam during the waiting period. That is all. It turns out that beside that they wanted the animal shelter records and I only found that out because I asked for a medical review. I advise people to file a formal complaint with their state consumer affairs department. And write lots of reviews. Might help someone to avoid them. And if you dona cost analysis, it really doesn’t pay to have pet insurance.
Business response:
Dear ****** ******** ******* Embrace is responding on behalf of ******** ****** ********* *****to the complaint filed by ****** **** on January 16, 2025 regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. We have responded to ****** **** directly as we are prohibited by law from releasing personal information without a signed third-party release. Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant t... read more
They won't cover older rescue pets!! I had a rescue cat that had not been seen by a vet in over a year. Insurance agent (that assisted me in figuring out my plan) told me that I had to get her seen for her yearly WITHIN the 14-waiting period or else her accident/illness coverage would not apply. What do you think happens during a yearly checkup? They make diagnoses. Vet diagnosed her with tartar build up and a mammary mass, and we got the appointment set up for her surgical procedures. Bill was over $3K, I file my claim. The... read more
Business response:
Dear Better Business Bureau, Embrace is responding on behalf of American Modern Insurance Group to the complaint filed by Caroline N*** on 1/15/2025 regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. We have responded to Caroline N*** directly as we are prohibited by law from releasing personal information without a signed third-party release. Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to ... read more
If I could give this company negative stars I would. What is the point of paying every month if you deny every claim for animals who are suffering? Denied my claim for a procedure for a heart murmur, but then also denied my claim for his normal wellness checkup. So what exactly do you pay for in that case??? The people that work here must have thick skins or no soul if they take your money and don't help your pet when they need it most.
Business response:
Dear Better Business Bureau, Embrace is responding on behalf of American Modern Insurance Group to the complaint filed by Leslie R***** on 1/13/2025 regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. We have responded to Leslie R***** directly as we are prohibited by law from releasing personal information without a signed third-party release. Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to ... read more
Stay away! All they do is take your money and then give you list of reasons for not paying per their pre exisiting clause. Even tell you to "take a peek" at their policy. I have wasted several years worth of premiums with them only to be turned down on everything!!! Then they sneak in doctor exams and prescriptions coverage when I did not include. Cannot talk to anyone as they have online a permanent line about lines being so busy. Finally get thru and put on hold. Terrible company don't waste your money!!! 0 stars for 0 was... read more
Business response:
Dear Better Business Bureau, Embrace is responding on behalf of American Modern Insurance Group to the complaint filed by Linda K****** on 1/10/2025 regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. We have responded to Linda K****** directly as we are prohibited by law from releasing personal information without a signed third-party release. Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to ... 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.