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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 jacked up my annual premium by roughly 18% after one year with no claims. They also automatically renewed my policy with the new premium with no notification. They claimed the failure to notify me of the renewal was due to an "unforeseen issue in our notification system". Their own website says they are required to provide the updated policy and rates 2-4 weeks prior to renewal, which I received 5 weeks AFTER the renewal.
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of A******* ****** ********* ***** to the complaint filed by ***** ******** on 4/16/2025. In his inquiry *** ******** expressed concern(s) pertaining to the year over year premium increase and the lack of renewal notification email. On 3/4/2024, *** ********purchased an insurance policy for ***** through Embrace Pet Insurance, underwritten by ******** ****** ********* *****, which went into effect on 3/6/2024. This policy is set to renew annually, wit... read more
Save your money. Embrace is not an insurance company, only a middle man. American Mo)dern Home Insurance Co is who the end insurer actually is. I found this out thru the SC Dept of Ins. Imagine my surprise. This company is not transparent. They do not pay claims. I've paid in for over 18 years. Never, ever auto draft with this company. Auto drafting exempts them from notifying you of premium increases and revisions on your policy. Imagine my surprise finding this out. 18 years. My original policy is on Version # 5. Who knows... 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 Patricia Westafer on 4/14/2025. Per our 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 does allow all Pet Parents to reduce their coverage, as needed to fit their pet's individual needs and budget. Embrace also provides updated policy documents in line with each policy's renewal, including updated... read more
I have been with embrace for over 9 years paying every month. I have never gone past my deductible, so I never received any funds back for insurance until this year. I started with less than $ 40 monthly charges I understand it goes up a little each year and I had to take a higher deductible and less coverage to stay under the $ 84.85 last year even though I never had a claim in all the years I had pet insurance. My monthly payment is currently $ 84.85 and I have a few weeks left for this policy for the year. I went past my ... 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 4/9/2025. On 3/28/2025 Ms. Cheney was provided the renewal notice for her Embrace Pet Insurance Policy to the primary email contact she had provided. The policy is set to renew on 5/18/2025. Premium increases with Embrace Pet Insurance are based on a variety of factors including primarily being impacted by the insured pet's age, the tenure of the policy and inflation. The rene... read more
Embrace is not transparent at all. Ì enrolled, had medical records reviewed and the came back with a long list of pre existing conditions that my vet said were ridiculous. Rick salt in her pad was called lameness, so anything she may develop in the future should she ever have lameness is a exclusion. Also I asked about accident only, and they said it only covers The Initial Visit, no follow up at all. I asked where on the web page that is stated, she snapped at me and said read the fine print. They don't like it when you ask... 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 Joan Saxton on 4/8/2025. On 3/28/2025, a Medical History Review was completed for **** *******s pet outlining the permanent and temporary exclusions on their policy with Embrace. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage. On 4/3/2025, **** ****** cancelled her policy with Embrace. An Accident-Only policy was discussed, and it was reviewed that this t... read more
Embrace is not transparent at all. Ì enrolled, had medical records reviewed and the came back with a long list of pre existing conditions that my vet said were ridiculous. Rick salt in her pad was called lameness, so anything she may develop in the future should she ever have lameness is a exclusion. Also I asked about accident only, and they said it only covers The Initial Visit, no follow up at all. I asked where on the web page that is stated, she snapped at me and said read the fine print. They don't like it when you ask... 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 Joan Saxton on 4/8/2025. On 3/28/2025, a Medical History Review was completed for **** *******s pet outlining the permanent and temporary exclusions on their policy with Embrace. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage. On 4/3/2025, **** ****** cancelled her policy with Embrace. An Accident-Only policy was discussed, and it was reviewed that this t... read more
Please STAY AWAY FROM EMBRACE. I would not recommend them to my worse enemy. 1. They dig into the smallest "preexisting condition" not to cover your pets. In this case they blamed a self inflicted scratched eye from a dry eye in 2022. Once my opthamologist was able to prove thats its not from dry eye, they want additional proof from my primary doctor. They then blamed a scratched eye from cataract. 2. They pride themselves as "24/7 Pet Health Line Through Pawsupport" that's a LIE. You can't reach them outside of their busine... read more
Business response:
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* *****to the complaint filed by ***** *****on 3/30/2025. We believe we were able to locate the account referenced in this review and the policy holder has been in direct contact with our team to discuss their concerns and has been provided with the next steps. Due to not being able to fully authenticate the policy referenced in this review based on the information provided, if the aforementioned information is not correct, ... read more
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
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 3.9 star rating with 14,105 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open tomorrow at 8:30 a.m.