1
out of 5
POSTED: | BY: Shirley Smith, Lanham, MD
I gave them a 1 star because they…
I gave them a 1 star because they denied EVERY claim I submitted due to pre-existing conditions. I decided to cancel my policy after I submitted them a claim to have my dog's ears flushed out because he somehow got dirt and debris in his ears. Unfortunately, he has a history of ear infections, which the vet treats by putting medicine in his ears. This particular visit to the vet about his ears was not an infection, but Embrace did not cover it. Plus, I had never submitted a claim to them for this type of visit because this is the first time he was ever treated for dirt/debris in his ears. This is the response I got from Embrace:
"Accident or Illness Claim: I am sorry to inform you that the diagnosis provided to us by your veterinarian for this claim is not covered under your policy because a dermatologic condition, allergic dermatitis, was noted in the medical records on 4/6/21, which was prior to the policy purchase. This makes dermatologic conditions (including but not limited to debris in ear canal) pre-existing. Based upon the pre-existing condition, coverage is not available for the claim presented.
I understand that this email does not bring you good news. If you feel I am incorrect in my assessment and have additional information for me to review (such as additional doctor's notes or a statement from your veterinarian), I am happy to reopen Lucky's claim. If you could send me any additional information in the next 14 days, I would be happy to take a look."
I did not bother filing an appeal because at that point I decided to look elsewhere.
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