This profile has been claimed by the business owner or representative.
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 |
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
Business response:
Hello ***, I would be happy to address this case. When a policy is purchased with Embrace Pet Insurance (EPI), there is a 48-hour accident waiting period and a 14-day illness waiting period. Once a pet is past the 14-day illness waiting period, an email is sent asking if the pet parent would like a medical history review completed to determine if there are any pre-existing conditions prior to a claim being submitted. If they do, we request the records for this pet from all the clinics the pet has been to within 12 months pri... 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
Business response:
Hello ******, thank you for reaching out. We see a supervisor has reached out to you regarding your concerns to confirm your policy was set up to the coverage that was selected at the time of purchase. The correct policy documents reflecting the coverage that was selected was also sent to the email on file after purchase, and always available for download via your MyEmbrace account. Electronic delivery is our primary form of communication per our Terms and Conditions which are agreed upon: 17. Electronic Delivery By acceptin... read more
I wish I could give this company 0 stars. I have been paying 10 months into pet insurance that I learned I could not use. When it came time to file a claim, Embrace was not there for me or my precious cats, and actually tried to squeeze $400 more dollars out of me to get an 'add on' that was what I thought I was paying into for basic care. BUYER BEWARE! Embrace... neither pet, nor people, friendly.
Business response:
Hello ****, thank you for reaching out. We try to be as clear as possible about our exam requirements which are in the policy terms and conditions: Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Pet Original Start Date or within fourteen (14) days of the policy. Failure to do so will result in the illness waiting period being extended to the date of the first exam on file. This is also agreed upon when signing up for a policy and sent out as a reminder in your onboarding emails. Our... read more
This company is unbelievable! They’re more than happy to take your money when you're paying your pet’s premiums, but when it comes time to actually use the insurance, they put you through endless hoops. First, they claim you didn’t have an exam within the last 12 months, sending you on a wild goose chase. Then, after you and UCD have sent them the necessary receipts three times, they’ll claim they didn’t receive them. Next, they argue that you don’t have coverage under Part 3 (Coverage), Section A for Physical Exams (which, ... read more
Business response:
Hello ******* Thank you for reaching out regarding your recent claim for Charlie. When you purchased the policy, the options for examination and prescription coverages were not selected, which unfortunately means that coverage for these specific services is unavailable. I understand there may have been some conflicting information about his enrollment in the prescription coverage, and I sincerely apologize for any confusion this has caused. After reviewing your policy, I can confirm that Charlie is not enrolled in the prescr... read more
I insured my English Cream Golden Retriever in early June of 2024 when she was 14 mos old. She suffers from diarrhea from food allergies and thats about it. They have turned down claim after claim for Jenny. And I let it go until she had a urinary tract infection. That was turned down even after my Vet wrote a note stated she had never suffered a previous condition. They first claimed that licking her vulva when she was a puppy indicated a previous condition. My Vet wrote a letter indicating the behavior as a puppy did not i... read more
Business response:
We are sorry to hear you were disappointed with your policy, ****We want to be upfront about our coverage and the exclusion of pre-existing conditions which is defined and agreed upon in our terms and conditions as: 32. Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and... read more
I live in Mississippi & was told by the salesman insurance would not kick in for 6 months. I had them take out $77 mo from Feb thru June. I’d not sent in all his info because as I understood it,l he didn’t have coverage. My bank TH0UGHT they found a fraudulent claim on an Amazon purchase & stopped my debit card. This stopped my payment. Embrace cancelled my insurance. As I had this set up as automatic I had no idea it wasn’t being paid. They will NOT let me reinstate without ANOTHER 6 MONTHS WAITING PERIOD FOR CERTAIN CONDIT... read more
BAD FAITH INSURANCE COMPANY. On the Embrace website there is a testimonial written by- no kiddin'----a claim's adjuster for---(wait for it) Embrace Pet Insurance Company. It tells how her retriever puppy ate ibuprofen and needed emergency care because of "his naughty behavior". It claims "all retrievers are naughty..(!!)And Embrace paid her claim in two days. When my dog, Clooney, chewed the lid off a bottle of Aleve, my claim was denied--- bloody vomit and bloody diarrhea was declared an illness not an accident. It cost ove... read more
Business response:
Hello, I would be happy to explain the situation further on the issues with your claim. We received two claims for your pet for date of service 6/19/24. One claim had a diagnosis provided of an intoxication and this claim was processed and covered on 7/10/24 since an intoxication is an accident and this claim occurred after the accident waiting period. The second claim had diagnoses provided of vomiting and diarrhea. Because this date was within the policies 14-day illness waiting period and vomiting and diarrhea are conside... read more
All seemed good and the premiums the first year were okay. Had 3 claims the first year, all for ear infections and, even though we didn't get past the deductible, they raised the rates 60% for the second year. Of course they will say it has nothing to do with the claims, but of course it does. It is 100% about the claims. We figured out the ear infections were food allergies (new puppy) and will likely never happen again, but the damage was done and they had no problem jacking up the rates. I'll take my chances and bank the ... read more
Business response:
Hello ***, thank you for reaching out. We know a premium increase is never ideal. Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation which includes the increase in veterinary costs. Our premiums are based on actuarial data of all the policies we have in force. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary whe... read more
My first claim took almost 45 days while they looked for a loophole to deny the claim. After I complained they realized they had unfairly denied the claim and paid it, but they made me wait six weeks. My Rocket is a two-year old rescue Chihuahua. I disclosed to Embrace in November 2023 when I insured him that he was a rescue dog and his medical history was limited. Seven months into the insurance (June 2024) the dog was throwing up, not eating and his stomach was growling, so I took him to the vet and filed a claim. Upon rev... read more
Business response:
Thank you for sharing your experience, *****. We are sorry to hear about the delays and frustration you encountered with your claim. Although we try to process claims as quickly as possible, sometimes it can take longer to process the first accident or illness claims as we gather your pet's complete medical history for the medical history review. The Medical History Review means a comprehensive review of your Pets full medical history for the twelve (12) months before your Pet was insured or the date of acquisition of your P... read more
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 4 star rating with 13,863 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open at 8:30 a.m.