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BBB Business Review

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BBB Accredited Business since

Embrace Pet Insurance

Additional Locations

Phone: (440) 386-2406 View Additional Phone Numbers 4530 Richmond Rd, Cleveland, OH 44128

BBB Business Reviews may not be reproduced for sales or promotional purposes.


Pet Health Insurance plans for veterinary bills for cats and dogs across the United States.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Embrace Pet Insurance meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Customer Complaints Summary Read complaint details

16 complaints closed with BBB in last 3 years | 7 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 2
Billing/Collection Issues 3
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 10
Total Closed Complaints 16

Customer Reviews Summary Read customer reviews

7 Customer Reviews on Embrace Pet Insurance
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 6
Total Customer Reviews 7

Additional Information

BBB file opened: September 12, 2006 Business started: 07/01/2003 in OH Business incorporated 10/20/2004 in OH
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Ohio Department of Insurance
50 W. Town Street; Third Floor - Suite 300, Columbus OH 43215
Phone Number: 614-644-2658
Fax Number: 614-644-3743

Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Christopher Hagesfeld, Contact Center Manager
Contact Information
Customer Contact: Mr. Christopher Hagesfeld, Contact Center Manager
Business Category

Pet Health Plans

Products & Services

Embrace Pet Insurance offers the following product(s): Health insurance plans for cats and dogs, Wellness plans for cats and dogs

Method(s) of Payment
Visa, Mastercard, American Express, direct deposit from your bank account
Refund and Exchange Policy
You can cancel your policy at any time. We have a 30 day money back guarantee assuming you have not made a claim during that time. Afterwards, we refund you the proportion of your paid premium that has not been used.
Alternate Business Names
Cleverland Holdings, LLC

According to the company, the following are agency license numbers for the Embrace Pet Insurance Agency across the US as of September 26, 2011. You should check with your State's licensing agency to confirm
State License Number
Alabama 447130
Alaska 84718  
Arizona  873020  
Arkansas  362743  
California  OG89328  
Colorado  277029
Connecticut  2267003  
District of Columbia  2838043  
Delaware  1108332  
Florida  L066508  
Georgia  153583  
Hawaii  363205  
Idaho  338500  
Illinois  n/a
Indiana  502474  
Iowa  1002047149  
Kansas  204939968-000  
Kentucky  723377  
Louisiana  417164  
Maine  AGN175227  
Maryland  NPF 100036089  
Massachusetts  1885310  
Michigan  0080006  
Minnesota  40195910  
Mississippi  15015053  
Missouri  AG8021919  
Montana  725802  
Nebraska  YR391040  
Nevada  503864  
New Hampshire  2065156  
New Jersey  1078287  
New Mexico  100006394  
New York  PC-1157550  
North Carolina  1000079850  
North Dakota  2000000604  
Ohio  34499  
Oklahoma  10011557  
Oregon  817699  
Pennsylvania  571222  
Rhode Island  n/a
South Carolina  175571  
South Dakota  10011644  
Tennessee  n/a
Texas  1616889  
Utah  339453  
Vermont  n/a
Virginia  127942  
Washington  758997  
West Virginia  6884  
Wisconsin  n/a
Wyoming  196159  

Customer Review Rating plus BBB Rating Summary

Embrace Pet Insurance has received 3.87 out of 5 stars based on 7 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.