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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 |
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
Everything about my experience has felt borderline fraudulent thus far. They are not transparent with their documentation requirements, and it seems like rules are invented along the way about what counts as a preexisting condition, etc. Not to mention, it is basically impossible to know if your personal information and documents are being responsibly handled. At this point, I've lost all trust in their ability to manage my account and the document I have sent them. I've send one set of documents on a claim being held up 3 s... read more
This is obviously owned by an investment firm interested in highest profits not protecting pets and owner. My dog has never had a seizure. However because of a question I asked, which was not put down correctly by employee, not vet, seizures are now not covered. I saw letter her vet wrote to Embrace explaining my dog has never had a seizure plus she had had mild gingivitis which home care cured. Every exam lists neurological as normal. However after appeal Embrace chose to ignore the letter and keep a nonexistent condition. ... read more
Business response:
We are sorry to hear you were disappointed with your policy, Elizabeth. We want to assure you we love paying claims and 92% of our claims qualify for coverage. 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 ... read more
I have sent them 5 pages out of 5 pages on a bill for ************animal hospital All they do is ask for more paperwork and won’t act on the claim
Business response:
Hello, ****! In order to process a claim, we do have to have a complete itemized invoice. If it is an accident or illness claim, we would also need your pet's complete medical history on file as our terms and conditions state. We see you called today and spoke with one of our team members for an update, but if you have any additional questions, please give us call at ************ and we’re happy to help!
Embrace has doubled my insurance, I have 2 healthy dogs age 3 and 5 and have never even submitted a claim. They have had insurance for 3 years.... embrace has made good money off me yet we are paying almost 200 dollars a month now. Shame on them
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. 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 wh... read more
Doubled my rate at the first renewal. No claims. Very scummy business practices.
Business response:
Hello Ryan, we are sorry to hear that. We know a premium increase is not 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 when ... read more
I can't comment on their service however I have received unsolicited text messages from this company stating I have "opted in" because I requested a quote. Not only did I most definitely NOT request a quote, I've never even heard of this company. I don't even have a pet. When I tried to call them on a Saturday early afternoon, I got the usual automated message run around and then was told to call back during normal business hours. Poor business model if it's legit.
Business response:
Hello *******, we are sorry to hear that! You should be able to opt out of any messages that are received. If you have any trouble, give us a call at ************ and we are happy to help. Our Customer Care Center hours are: - 9:00am-8:00pm EST Monday-Friday / 10:00am-2:00pm EST Saturday
Scam company won’t reimburse for anything! Everything is preexisting. If your dog vomited once they won’t cover anything
Business response:
We are sorry to hear you were disappointed with your policy, Amy. 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 an... read more
like everyone else says: embrace insurance is a total scam. it's a shame you can't select a negative-star rating. they score at the very bottom for me. in two years, my premiums have gone up 230%. two years. i have never NOT had to fight to get a claim paid. sometimes it has worked, sometimes not. mostly not. they just today denied part of a claim from an emergency room visit last week, because the probiotics my vet prescribed along with an anti-parasitic for a cat with horrible, unexplained diarrhea is a "wellness expense."... read more
Business response:
Hello *******, we are sorry to hear you have had a negative experience. We know a premium increase is not 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 veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to ... 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 15,188 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open on Monday at 8:30 a.m.