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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 bought my policy for my 5 yr cat - who is healthy 11 months ago - I just received a renewal policy to begin in a month and the price has risen from 26.32/month to 43.10 -- at least a 60% increase - i didn't file any claim for that year . I tried calling 3 times to get a person, but gave up each time after 10 min- no one answered ( normal work hours) I emailed, and someone did respond which I appreciate - with excuses of the reason for an increase - age; tenure of insurances (??) and inflation. I understand the inflation - ... read more
Business response:
Hello L***** we are sorry to hear that. We know a premium increase is not ideal. As our representative likely mentioned, 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. With each year a pet ages, they are statistically more likely to get sick or hurt, and we have to take that calculated risk into account when pricing premi... read more
I bought my policy for my 5 yr cat - who is healthy 11 months ago - I just received a renewal policy to begin in a month and the price has risen from 26.32/month to 43.10 -- at least a 60% increase - i didn't file any claim for that year . I tried calling 3 times to get a person, but gave up each time after 10 min- no one answered ( normal work hours) I emailed, and someone did respond which I appreciate - with excuses of the reason for an increase - age; tenure of insurances (??) and inflation. I understand the inflation - ... read more
Business response:
Hello L***** we are sorry to hear that. We know a premium increase is not ideal. As our representative likely mentioned, 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. With each year a pet ages, they are statistically more likely to get sick or hurt, and we have to take that calculated risk into account when pricing premi... read more
This company is a scam. If you don't take your cats to the vet within 14 days of opening the policy, your policy defaults from Illness to only Accident. This is written clearly in terms and conditions. However, they will continue to charge you for the full policy and refuse to refund the difference. Terms and Conditions state: "Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Pet Original Start Date as shown on the Schedule Page(s) or within fourteen (14) days after the Pet Original S... read more
Business response:
Hello ********, we try to be as clear as possible about our exam requirements and pre-existing conditions 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.... read more
Pet insurance is a fraud and a scam. I signed up with them in August of 2023 and took my baby girl for a dental cleaning and in December of 2023 when I was already signed up with the insurance my doctor said that she has periodontal disease stage 2. I submitted the claim they came back to me and said the claim is being denied because you had your puppy has pre-existing periodontal disease noted prior to August of 2023. This is total b******* because I looked at all her records and even verify that with my vet and she said th... 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 a... read more
Constantly deny claims. Absolutely horrible for an 'insurance' company to take $200 per month and consistently deny all your claims. This happens every time. Turn in claim for $300. They pay out $16. Crooks.
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 and preventative care 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 Waiti... read more
This company is a scam. Report them to the your state and federal insurance folks. They rejected my claims and sent a detailed list of all the things they would reject in the future (basically everything) after making multiple ridiculous requests, including requesting the complete medical history of my dog from the place he was neutered in 2013 (for a request submitted in 2024). They also repeatedly did not answer my questions, sent inquiries to the wrong vets, and raised their rates 25% from year to year.
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 as well as needing your pet's complete medical history in order to process an accident or illness claim which is agreed upon in our terms and conditions: 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 firs... read more
Horrible customer service I have ever experienced with a pet insurance. Multiple ignored emails, attitude over the phone, and will do everything possible not to cover something. I work in the veterinary field and I will make sure to tell every single person i come across to avoid this company like the plague. Seriously hope you guys go bankrupt.
Business response:
Hello *******, we are sorry to hear you had a negative experience. We want to assure you that we do not take situations like this lightly and will review your recent interactions as we strive to provide excellent customer service. Ultimately, we are bound to our policy terms and conditions when it comes to processing claims. including the exclusion or pre-existing conditions which is defined as: 32. Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Wai... read more
At first embrace pet insurance was awesome. Just want to warn anyone wanting to breed your dog if anything happens to your dog that originally has nothing to do with them being pregnant I.E. they get a GI infection due to food, they will not cover anything. I.E. my dog was pregnant she got a GI infection which cause abnormal pain which put pressure on the fetus. she was put on antibiotics, anti inflammatory and pain meds. We had compliances puppy's started to miscarriage which cause another infection which affected her and t... read more
Business response:
Hello ******* we are sorry to hear you were disappointed with your policy. First and foremost, we hope your furry companion is doing well. We are unable to provide coverage for costs or treatments related to pregnancy as our terms and conditions state: PART IV – EXCLUSIONS 19. Costs for any Treatment for: d. Costs resulting from breeding, pregnancy, whelping or queening; It’s very important as the administrator of the insurance contract that we follow the terms exactly as written and consistently for each insured when it com... read more
Being a huge advocate for pet insurance, I did a lot of research for my newly adopted rescue dog. Embrace seemed top notch and I loved that it was affiliated with USAA. Our first year was great., but then I was outraged that on my one-year renewal they wanted to increase my plan by 121%! I looked at my old notes and called and spoke with several representatives and was always told that 121% increase is very much so out of the norm, that most people only see a few dollar increase, maybe 25% increase, but there is nothing they... read more
Business response:
Hello *********we are sorry to hear that. We appreciate you being a huge advocate for pet insurance! 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, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data of all the policies we have in force, and approved by each state’s Department of Insurance. Over the lifetim... 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 14,915 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open tomorrow at 8:30 a.m.