Terrible! Don't buy this insurance

Out of 10

We have had our dog since July 2012. She has been under the care of the same vet since the day we adopted her. She blew her ACL at 9 months old. Both her primary treating vet and the surgeon who repaired the knee said over and over again that this was an accident and not a pre-existing condition. Our vet contacted Embrace on multiple occasions and told them the same. Embrace denied the claim across the board.
Earlier this month the same dog had a UTI. It was her second one in a year. Under Embrace's policy, this too was considered a pre-exiting condition. Again, claim denied. The only thing they have not denied is my automatic payment to a worthless policy every month! Now we're screwed for getting new coverage. BUYER BEWARE!!!! DO NOT BUY THIS CRAPPY INSURANCE unless you like throwing money into a black hole! If you don't believe me, read the below which was taken directly from their denial e-mail to me.

A snippet of their denial letter:

I have reviewed Gabby's claim along with your pet insurance policy and based upon that review, I am sorry to inform you that this claim is not covered under your policy.
Gabby's medical history indicates that she had signs of polyuria (i.e. increased urination) on 5/13/2013, which was prior to the start of your policy coverage. As such, this initiated an exclusion to coverage for polyuria (and any related conditions - such as urinary tract infections). It is a temporary exclusion (as we deem something like polyur

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Claim Amount
$100 - $500

Mixed Breed

Age of Pet
1 - 8

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Posted: 05/29/2014

I agree. They take your premiums and don't pay the claims, They said my dogs condition was covered and then when they saw more claims coming in for the same condition said sorry pre existing condition. They like to take premiums from clients and do every thing they can to not pay saying pre existing condition!Just a waste of money beware,