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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 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
Expensive - Slow Response - Unjust Rulings of Claims Policy jumped up an additional 60% in a single year with no explanation meanwhile I have multiple claims denied unjustly. My pet suffered a flea bite that irritated a spot on his back 2 years before we started the policy - it was treated and there were no further issues. Now my cat is suffering from an unrelated skin condition (dust allergy) and they refuse my claims because he had that 1 instance of a dermatologic condition/skin lesion before the policy started. I've been... 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 Valerie G****** on 1/9/2025 regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. We have responded to Valerie G****** 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... read more
NO STARS but had to 1 to post. I hate them! Not helpful. They take my money but refuse to pay out. Heres my story… Got a dog and went through **** for pet insurance. **** uses Embrace. I had this vet but they closed fast and unexpectedly. I went to a new vet, got all my dogs yearly vaccine shots and sent Embrace a claim for first time. Embrace now wants that closed vets records (SOAP) is what Embrace calls it. I called them and told them i cant get it, they closed, they are not answering phone or emails. Embrace knows this a... read more
Business response:
**** ****** ******** ******* Embrace is responding on behalf of ******** ****** ********* ***** to the complaint filed by ***** ***** on 1/05/2025 regarding the above-captioned matter. Thank you for the opportunity to address the concerns shared with your office. We have responded to Ms. ***** 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 consti... read more
So GLAD I cancelled with them. They're a HUGE SCAM and shouldn't even be allowed to provide insurance for pet's. It's DISGUSTING what these insurance companies are allowed to get away with.
Business response:
Hello, we are sorry to hear you've had a negative experience with Embrace. We would like to see if we can help. You can email us at ************************************* with your policy number if you’d like to discuss this matter further and we can then look into your concerns. Regards, The Embrace Team
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.