Buyer beware - not for routine healthcare

Out of 10

We had a $177 routine checkup and ear infection bill for our otherwise healthy 3 1/2 year old Golden, which we dutifully submitted. After having the vet send several years of doctor's notes to Embrace, we finally got "reimbursed." Out of the $177, only $26.40 were eligible and were applied towards the $500 annual deductible.
It turns out that only the ear infection antibiotic was covered. The heartworm test, heartworm preventative, and fecal test... all disallowed. So, this insurance is really for catastrophes and serious injuries, not for routine doctor visits. We hope that we don't ever have to use it.

We still want the insurance, but we were very disappointed that all the routine charges were not applied to the deductible.

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Ear Problem

annual checkup
Claim Amount
$100 - $500

Golden Retriever

Age of Pet
1 - 8

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Posted: 05/18/2013

There is a separate wellness program that pays for routine wellness visits including nail clipping and flea/tick/heartworm treatments. However, the policy costs $149 and only pays up to $200/year. In my case, these things cost in excess of $200/yr. so the additional $51 coverage is nice. You have to decide if you're going to use it, and if its worth fronting the money out of pocket.

Posted: 05/21/2013

Hmmm, doesn't it say that on the literature that routine preventative care is not covered?

Posted: 05/23/2013

Check ASPCA's pet insurance! They offer a few different plans that offer annual preventative care/treatment!

Posted: 05/24/2013

It sounds like you have the same embrace policy I have for my dog -- the accident/illness policy. They do offer an add-on plan that covers wellness care, but it's naturally more expensive. My experiences with Embrace paying fairly for accident/illness claims on my policy has been excellent over seveal years.