Well, where do I even start with this horrendous company? They're worthless. They have deemed "vomiting" as a Pre-existing condition and excluded it for an entire year! Wait, what??!!?? ANYTHING can cause vomiting!!! My vet couldn't believe how ridiculous it was they did that! As far as I know, she's writing an appeal letter. However, thanks to this worthless company, now I can't get Layla tested for IBD!
Their adjuster even told me their insurance is "property"! Obviously, they see pets as "property" and NOT family!
This company was supposedly started by pet parents. Right, so if it was, then they totally turned greedy and only care about the money!
They also now have deemed Layla's pica as a permanent exclusion. Funny, she likes to tear up paper. My vet said that is just her behavior. So, if she accidentally ingests anything, I'm screwed.
Worthless company. All "pet insurance" companies are a complete scam. They are more than happy to take your money, but refuse to pay out claims.
Too many options and I regret not getting it the day I got Layla. I was overwhelmed and now I'm paying for it. Do yourself a favor and just start an emergency fund. You'll save the stress of battling with this worthless company and you can get your pet the care they need.
Sadly, all pet insurance is this way. I can't wait to get rid of this horrible company and if I could, I'd start my own company that actually understands pets are FAMILY and have way less restrictions. Please don't go with Embrace! Read their reviews on BBB! That says everything right there!