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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 agree with the other customers. This pet insurance is a scam. I have 5 pets on this insurance and not ONE claim has ever been approved for illness. They say my dog has skin and it had a bump once so now anything on his skin is not covered even when it’s completely unrelated to any prior diagnosis. Their “preexisting conditions” definition is applied to everything. I spend $400 a month for insurance and get nothing for it. Plus, the partnership with Paytient was severed a few months after I joined and that was the reason 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... read more
Embrace Pet Insurance is a racket and a scam. They will tell you pre-existing conditions might be covered in a year, to get you to buy their insurance. Then a year later they tell you it’s not. They will decide your pet has a pre-existing condition, not tell you about it, and then you will have to find out when you submit your claim and it is denied. They also classified a skin condition as pre-existing, and every other type of skin issue then fell under that label, even when they were different, Alopecia versus a scratch. T... 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 any... read more
I had a policy with them for over 10 years, and it went ok. My dog, a lifelong Embrace Pet, turned 12 and the raised it from monthly payments of $155 to $358 overnight. I thought it was a mistake but when I called they said Washington State has seen huge increases...umm, NO. Then they tried to say it’s my dogs age. He is 12 and has not used his insurance in over a year because he has been healthy. Raising a payment over 100% is absolutely wrong, this is insurance fraud against your customers. Can you imagine waking up one mo... read more
Business response:
Hello *******, we really appreciate and understand your concerns, especially as one of our long-term pet parents. 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. One thing to keep in mind, is our premiums are based on actuarial data of all the policies we have in force. Over th... read more
If I could give Embrace Pet Insurance zero stars I would. This company is one of the biggest scams around. I got this Insurance for my two pets for my two Maltipoos, almost two years ago. We are a retired military in purchased this pet insurance because of the so called, great reviews and USAA. Before I got there policy I had to sent my pets medical records in case of pre-existing health issues. They have none so the policy was excepted. One of my maltipoos Bella was rushed to the ER for IVDD, and couldn't walk or breath whi... read more
Business response:
We are sorry to hear you were disappointed with your policy, Latonya. As our terms and conditions state, we will attempt to collect your Pet(s) medical history from all Veterinary Providers you inform us of at the start of your policy; however, we will not review the medical history until your Pet’s first Illness Claim is submitted, or you request a Medical History Review. The early review is offered in one of our onboarding emails, or the request may be made any time after the policy fourteen (14) day Illness Waiting Period... read more
Do not deal with these scammers !!! I will have to tell all five people I referred for their pet insurance that this company has denied all my claims when my dog has been unable to retain any food and will continually vomit their food which has caused me excessive dues in ER visits and more with referrals to internists . My dog has been healthy for the last year without any issues. She started vomiting all food which I thought was perhaps a virus or something. Moving from UHC to embrace was the WORST mistake I’ve ever made. ... read more
Business response:
We are sorry to hear you were disappointed with your policy, ***** First and foremost, we hope your furry companion is feeling better! 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 ... read more
Hands down the worst. They reject every single thing they can even when it's a FAR stretch from a surgically corrected pre-existing condition long before we got the policy. They have also denied basic medications attached to approved claims. It takes them FOREVER to process a claim - I have waited weeks for some and have yet to have anything processed timely. Their customer service is atrocious and also take weeks to respond to email inquiries on your claim. Rates? Everything you read below is true. For one dog, we pay over ... 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 ... read more
Very unfortunate to have to write this review. Embrace Insurance's #1 job is to find ways to deny your insurance claim. Found this out the hard way. This shady business will find every single possible reason and scrape the scum of the earth to decline your insurance claim. I can't believe how unreasonable they are. I have never ever came close to getting any reimbursements despite working with our vicenarians, providing all documentations, AND even getting a formal letter from our vetenarian. These guys are nuts. Total scamm... read more
Business response:
We are sorry to hear you are 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
Piss poor insurance. Pays for nothing . Never ever paid anything. Screwed over. Run people run. Embrace will not psy crook's
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 any... read more
Our premium went up 100% after a year of perfect payment records. Embrace never had to pay us a dime in claims, then raised our rates so astronomically that we had no choice but to cancel the policy. When I called to ask why our rates had increased so much, we were told that "inflation in our area combined with our pet's ages" was the reason for the rate changes. I can understand a small change for inflation, but doubling our bill seems like an easy way to pocket customer premiums without ever paying out on policies. The cus... read more
Business response:
Hello ********, we are sorry to hear that. We know a premium increase is never ideal. Premiums do increase over time with all insurance products, and pet insurance is no exception. We are happy to hear your pet has remained fairly healthy! We want to assure you our intent is to process and payout on claims! We process over 80,000 claims per month and we approve 92% of all claims on average. One thing to keep in mind is premium increases are based on multiple factors and are derived from a review of our entire book of busines... 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 open now. It will close at 8:00 p.m.