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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 |
Where do I begin? I established a policy 9 months after adopting our dog from a local shelter. My fiancé and I provided Embrace with all adoption records from the ASPCA, paperwork from every single VCA vet visit/check-up we took her to - which included the first visit after adoption up until present, as well as paperwork from a veterinary dentist (the main reason for our claim). Documentation includes date of visit, reasons for visit, medications or vaccinations administered, and any notes from our vet. You'd think that woul... read more
Business response:
Hello T**** we are sorry to hear you are disappointed with your policy. In order to process an accident or illness claim we do need your pet's complete medical history on file as our terms and conditions state: 8. By purchasing a policy, you give us permission to gather all medical history for your Pet(s) from all your Veterinary Providers as we deem necessary. The medical information must contain detailed Veterinarian examination findings and must be made available to us for review to satisfy the examination requirement in ... read more
As a Veterinary Technician and a customer of Embrace, I absolutely do not recommend this company. They have ridiculous policy’s and a fine print excuse for covering just about every possible disease or illness. Don’t waste your money here, there are many better options.
Business response:
We are sorry to hear you were disappointed with your policy, Sarah. We want to be upfront about our coverage and pre-existing conditions which is defined and agreed upon in our terms and conditions as: 32. Pre-existing Condition(s): 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 related conditi... read more
This is by far the biggest joke as far as n customer service. I canceled my policy with them because it was an over priced joke. I was refunded money . Then months later was sent to collections. Saying I owed a balance. I never received a bill. I called and complained and they said they could not do anything to help me. I then insisted they take this off my credit due to y job. They said they did not care and referred me back to collections. I then called then collection agency and went round n round with them. Never telling... read more
Business response:
Hello *****, we are sorry to hear you had a negative experience. Our optional Wellness Rewards program is a reimbursement plan meant to be paid off throughout the term in 12 monthly payments. This is explained in the Wellness Certificate of coverage that is provided and agreed to upon adding this to the policy. If the allowance is fully used and the plan is canceled early any remaining payments would be due at the termination of the policy. We do send out a series of correspondences after the policy cancelation notifying the... read more
This company is a scam. They will happily take your money every month, but when it comes to paying even a minor $200 claim, they will require you to send in 1 year of vet history and when you do they go radio silent for a month. There is no communication other than the fact that they refuse to contact any vet for info, so you submit your docs and just wait for eternity. I paid over $600 in premiums for a year only for them to turn around and just play with my time and refuse to give me an answer to a claim for 45 days. Event... read more
Business response:
Hello ***, we are sorry to hear you are disappointed with your policy. Although we try to process claims as quickly as possible, sometimes it can take longer to process the first accident or illness claim. In order to process an accident or illness claim we do have to have your pet's complete medical history on file which includes any veterinary visits from the 12 months prior to the policy purchase through the end of the initial waiting periods. Obtaining medical history is a process we are continuously working to improve. ... read more
As others have mentioned, they routinely deny care for eligible expenses. My policy explicitly states in Part III Coverage that Vet Treatment caused by Dental Illness is reimbursable up to $1000. They define Preventative Care as Care "without evidence of illness or injury" yet despite my Vet providing evidence of gingivitis (which they explicit state they cover) both times from two separate Veterinarians, who both billed the same way (an "Oral Treatment Protocol") they denied claims based on the fact that "dental cleanings" ... read more
Probably the worst company on the planet!! A total waste of my time & money!! I wont waste anymore of my time on them to explain everything they have put me through.other than I have 2 puppies & they keep saying that on each claim it was pre-existing! Not sure how they can get away with that! They didn’t even have their birthdates correct. They even put dates down before they were born. That’s all!
Business response:
We are sorry to hear you were disappointed with your policy, *********. We are unable to provide coverage for pre-existing conditions, which would mean your pet was showing signs, symptoms, or diagnosed with the related condition within the year prior to the policy purchase or within the waiting periods. There is a 2 day accident waiting period, a 14 day illness waiting period, and a 6 month orthopedic waiting period for dogs. We do however distinguish between temporary and permanent pre-existing conditions. If a pre-existin... read more
Horrible, heartless, fraudulent, greedy, and outright dishonest. Complete waste of money. They sent over 90 emails to us and our vets demanding more and more redundant and usually meaningless information regarding our claim. Their strategy is to bury you and your vet with nonsensical and time-consuming paperwork that keeps changing and growing at the same time. One vet even told Embrace to stop pestering her over and over again for the same information. They seem to have created a business model around large legal firms who ... read more
Business response:
Hello ******l, we are sorry to hear you are disappointed with your policy. Although we try to process claims as quickly as possible, sometimes it can take longer to process if we need additional information. Obtaining medical history is a process we are continuously working to improve. We work directly with your vet to gather any additional medical records needed to review your pet’s complete medical history. We are unable to provide coverage for pre-existing conditions, which would mean your pet was showing signs, symptoms,... read more
Horrible, heartless, fraudulent, greedy, and outright dishonest. Complete waste of money. They sent over 90 emails to us and our vets demanding more and more redundant and usually meaningless information regarding our claim. Their strategy is to bury you and your vet with nonsensical and time-consuming paperwork that keeps changing and growing at the same time. One vet even told Embrace to stop pestering her over and over again for the same information. They seem to have created a business model around large legal firms who ... read more
Business response:
Hello ******l, we are sorry to hear you are disappointed with your policy. Although we try to process claims as quickly as possible, sometimes it can take longer to process if we need additional information. Obtaining medical history is a process we are continuously working to improve. We work directly with your vet to gather any additional medical records needed to review your pet’s complete medical history. We are unable to provide coverage for pre-existing conditions, which would mean your pet was showing signs, symptoms,... read more
DON'T WASTE YOUR MONEY! I paid the premiums every month without having to file any claims. Once I had to file a claim, forget it! They found a reason to deny it.
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 4 star rating with 13,864 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is open now. It will close at 8:00 p.m.