2
out of 5
POSTED: | BY: Shelby Walker-Adams
They make you feel stupid, then they might pay
First, I will start with this. Embrace DID end up paying. But it took 45 days, 5 emails, several calls to my vet's office, and hours of my time. During this time, they sent me multiple emails detailing how everything was taking them longer because they had to determine if my dog had a pre-existing illness. My dog (who is very healthy) had been insured with Embrace since 9 weeks; had his first vet visit at 10 weeks; had all his shots and vaccines by 16 weeks; and then once the vet was sure my dog was fine at 16 weeks had had his full healthy puppy exam. But according to Embrace, even though my dog was now 2 1/2 and had fulfilled every waiting period there was, they had to restart my waiting period because my dog was supposed to have had his full exam at 12 weeks and now they had to restart my waiting period from a month later. The whole thing was ridiculous. Their emails made me look like *I* was the stupid person for not following the rules and like somehow their signup process had made it very clear what I was supposed to do.
But even when you read the fine print, (I always do) I could find nothing that stated my early visits to the vet were insufficient. If you DO decide to go with Embrace, here's my warning. Make sure your vet does a thorough exam with complete S.O.A.P. notes on your dog *as soon as possible* and sends this exam to Embrace. Then make sure Embrace sends you WRITTEN confirmation that this fulfills their requirements of a complete exam. Make sure it shows that Embrace finds NO pre-existing conditions. Because otherwise, Embrace relies on slick wording and legal loopholes to find pre-existing conditions. And if they can't find them, they still take forever to reimburse you and they put you and your vet thru a ton of work.
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