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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 |
This is a horrible pet insurance company! I wish I could give negative stars. You can expect any significant claim you submit to be denied for some arbitrary reason even though you submit every single thing they request. We got pet insurance for our young dog- two year old puppy. Our dog tore his CCL and ended up needing surgery. They paid for x-ray, but wouldn't cover the surgery stating that a previous vet visit claimed he had hind limb lameness, which our vet said was completely unrelated. The previous injury only lasted ... read more
Business response:
Hello, I am sorry to hear that you were not satisfied with your Embrace Pet Insurance policy for ***. Unfortunately, *** was seen on 5/11/19, which was during the 6-month orthopedic waiting period, for lameness in the right rear leg. During this exam, there were no radiographs completed or a diagnosis found for his lameness. On 3/16/20, *** was seen for lameness on his right rear leg, which was the same leg he was previously seen for and he was diagnosed with a cruciate ligament tear. Since there were no diagnostics complete... read more
Terrible service! Their customer service is terrible and they won't even cover allergies, let alone serious illnesses or injuries.
Business response:
Hello *****, I apologize that you were not happy with your Embrace policy. When a policy is first purchased, there is a 14-day illness waiting period as well as a 6-month orthopedic waiting period. Any abnormalities that are noted from 12 months prior to the policy start date until the end of the waiting periods are listed as a pre-existing condition. As Apollo was found to have a dermatological condition as a pre-existing condition, Embrace was unable to cover any dermatological conditions for Apollo for a full 12 months. I... read more
I insured my cat in 2018 and spent a year and a half paying for their regular and wellness insurance. In April 2020, I took my cat to the emergency ER because she was having trouble breathing, was told her lungs were filling with fluids and blood, and within 24 hours, she had died. When the vet finally charged me for the visit (around $1.1k) I filed a claim. I got repeated messages saying my claim could not be reviewed because the paperwork that the vet had sent was not complete and that they were contacting the vet to get i... read more
Don't use Embrace pet insurance. I insure 7 pets and every claim as been denied for whatever reason they can find. I had a kitten die at 6 months old from pneumonia and they denied the claim. It took five months of fighting and we received $900 on a $2,600 bill after they finished excluding everything. These people are terrible. They are not there for us or our pets. I can not trust my pets will be covered for anything. They just denied my dogs claim for a leg injury saying she did not meet her orthopedic waiting period that... read more
Do NOT insure your pet through Embrace Pet Insurance! They denied coverage of my dog's cancer treatment because of a history of diarrhea, vomiting, decreased appetite, and weight loss. My dog's oncologist and primary care doctor both wrote letters to them about those symptoms being super vague and being applicable to many other, routine ailments. Plus, the symptoms responded to antibiotics, which cancer does not do! Embrace does not care! They say that if any symptom existed before coverage, even if it wasn't diagnosed, then... read more
Business response:
Hi Toni, I would first off like to apologize with your disappointment with Embrace regarding *** *****previous policy. When a policy is first purchased, there is a 14-day illness waiting period with every policy so any conditions and/or clinical signs noted 12 months prior to the policy start date until the end of the 14-day illness waiting period are listed as a pre-existing condition. While reviewing *** ****s medical history, it was noted during the 14-day illness waiting period that he was not eating or drinking and was ... read more
Denied $13,000 worth of claims when my dog came down with chylothorax and needed emergency surgery and multiple chest taps. They denied it based on a "pre-exisiting condition" because she had breathing/respiratory issues a few months prior to her hospitalization. However, at the time we saw she had breathing issues, our vet said it was most likely from allergies, because her allergy panel came back with almost everything in red, including grass and pollen which can cause BOTH respiratory and skin symptoms. No matter how many... read more
Takes months to process any claim. I have had multiple claims with them all taking months saying they need a full medical history. Then when I give them all the vets my pets have been too, they keep contacting one I never have been too saying they are waiting for chart notes. This vet is a military pet hospital and does not even see regular pets only military animals. My dosgs are NOT military pets. Then they won't believe me no many how many times I try to explain. Then they try to increase my premium by $23 (26% increase) ... read more
We feel we were scamed! We purchased this insurance 2/2/2020 and have not received anything for any claims. Our grace period was up 2/15/2020 and still no claims have been paid as of 5/30/2020. No contact with company by email or phone. They will not talk with me or answer my emails. They have every vet piece of paperwork for my dog and still won't pay for anything! I have cancelled this insurance and stopped my monthly payments and turned them over to my bank for investigation. BEWARE!!!!!! If I could it would be -10 stars!... read more
Business response:
Hi *******, I am very sorry to hear about your dissatisfaction with your Embrace policy. I do see that we currently have two claims for *******, one was automatically not covered because it was a treatment for her allergies that occurred during the 14-day illness waiting period. The other claim that we have is pending a medical history review. We have received medical records for ******* from ****** ********** ********; however, there are no exam notes included in those records. To review medical records, we do have to have ... read more
Complete rip-off, Don't waste your money. Embrace is a complete scam that not only costs you money, but hours of your life you'll never get back trying to get your claim paid. We have had an absolutely terrible experience with this company. They prey on people who are just trying to protect their "little ones" by getting them the best care possible. I'm not sure how the claims people sleep at night knowing the $1000's they have stolen from people. Not only do we have to go through a terrible experience trying to save our poo... read more
Frequently asked questions about Embrace Pet Insurance
How is Embrace Pet Insurance rated?
Embrace Pet Insurance has a 4 star rating with 13,871 reviews.
When is Embrace Pet Insurance open?
Embrace Pet Insurance is closed now. It will open at 9:00 a.m.