Very Bad Experience with Embrace

Out of 10

Our two pomeranians have had embrace as their insurance provider for the past 3 years or now but boy are we regretting it.
After faithfully paying out a considerable # of claims for us, Embrace has decided to CHANGE THE RULES in terms of their amount of reimbursement.

Our two dogs need laser treatments for the continued ailments, and instead of providing us with full/almost full coverage (as they used to provide) of said laser treatments , they are now paying us a maximum of $50 (for a $200+ treatment).

They have also decided that a recent injection (an antibiotic) for one of our dogs was "overpriced" by the Vet, and they refunded us $25 instead of the $150 the injection cost us.

So ALL OF A SUDDEN, Embrace has switched what was their routine procedures/reimbursements with us, to their liking.

We don't know what other provider we will switch to, but I can tell you from our experience Embrace is becoming more and more unethical.

STAY AWAY from Embrace.

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Claim Amount
$500 - $1000


Age of Pet
1 - 8

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Posted: 04/17/2012

I am having a similar experience and just can't believe it. I am appealing the claim, don't know what will happen. It is like someone turned a switch over there at Embrace. Our boy has hip dysplasia and honestly they HAD BEEN wonderful. Today I was not so impressed with the new claims person. I didn't find the customer service as it previously was and I am in SHOCK over the EOB. They said they will pay for 1 leg but not the other. That is insane my boy is in hydrotherapy -- and he has bilateral hip problems. I don't know what I will do, I have to see what happens with the appeal first.