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Embrace Pet Insurance
- Pet Insurance
- Cleveland, OH
About this business
Insurance Plans Designed with You and Your Pets in Mind All of your pet’s unexpected accidents & illnesses are covered with Embrace’s one simple yet comprehensive pet insurance plan. Personalize your policy by selecting the annual maximum, annual deductible, and reimbursement percentage that fit your budget and needs.
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 submitted 12 Claims from services for my pet in 2023 and 2024, ranging from cough, diarrhea, tick illness, vomiting, and ear infections. My claims were submitted in April 2024. By September 1, 2024 only 4 had been reviewed and denied. 8 claimed were pending. By October 19, when I canceled my policy at the 12 month renewal, those 8 remained unprocessed despite my Vet supplying full medical history at enrollment of the policy, and again in Sept. No surprise, ALL 12 CLAIMS were denied. They want to upsell you to "Wellness rew... read more
EMBRACE insurance is absolute trash! I had my 7 month GR get severe walking issues and yes vomiting due to an inner ear infection we did not see coming since he did not present any symptoms. The poor puppy felt like the room was spinning so he could not help but throw up. I spent 3300$ in a vet visit, an ER visit, and a Neurologist Consult. THEY refused to even help with a little bit because my dog had VOMITING as a "diagnosis" Before getting on this stupid insurance. VOMITING IS NOT A DIAGNOSIS people its a SYMPTOM. UNLESS ... read more
Complete scam company, they will have no problem approving your purchase of the policy upfront and then if you try to submit a claim, they will have 100 lame reasons why they want to weasel out of it afterwards. Don’t waste your money, these people are only interested in ripping you off.
Claims got declined because of a non-existing "pre-existing condition", my cat got into a fight with my little kitten and had some scratches on his back 7 months ago during a wellness exam, recently I found out that he has been scratching his head and after testing, he has mild allergy with pork, beef(which I did not feed). Embrace refused to reimburse me for the related visits and claims that these are all "pre-existing condition" even with the doctor notes saying that it was no sign of allergy.
Rates went through the roof! We just got out annual policy renewal notice and our rates increased by nearly 200%. They want $2100 for a year-long coverage policy for our 5 and 8 year old dog. The policy increased nearly this much last year as well, but I thought it must be a fluke and couldn’t happen again. To pay over $1000 per dog for a $5000 policy seems a little much. I have to cancel by the end of the month before the plan renews.
We submitted a claim 2.5 months ago and they email us repeatedly asking for an itemized bill or medical history forms that I’ve sent repeatedly. Their customer service rep said it’s takes 30 business days to review paperwork to then pay. Do not expect to get reimbursed.
Claims got denied because the vet did X-ray, cleaning and extractions at the same time. Embrace declined due to pre existing plaque buildup. AND that the pet should have been put under to get his teeth cleaning and than put under again for extractions. For the heath of the pet the vets recommended not putting the dog under multiple times. I got a letter from the vet explaining that they do X-rays, cleaning than extractions for the HEALTH of the pet. Embrace does not care about the health of the pet. Claim DENIED even with a ... read more
Claims got denied because the vet did X-ray, cleaning and extractions at the same time. Embrace declined due to pre existing plaque buildup. AND that the pet should have been put under to get his teeth cleaning and than put under again for extractions. For the heath of the pet the vets recommended not putting the dog under multiple times. I got a letter from the vet explaining that they do X-rays, cleaning than extractions for the HEALTH of the pet. Embrace does not care about the health of the pet. Claim DENIED even with a ... read more
I am so displeased with Embrace that I considered reporting it to the Ohio insurance board. As far as I garner, they have a very sophisticated bait and switch program. I changed the policies of my dogs as they aged; Embrace claims they have no record. Embrace increases the yearly cost without personal notification. A text is not a proper notification. Then after they raise your deduction amount, the have a 60 day waiting period from the renewal date. Who remembers what date they signed up? Again, where is the notification? I... 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 13,667 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.