Unduly Restrictive Coverage Denial

Out of 10

Our Pitbull had a paw cyst removed when 2. No sign of cancer or reoccurence om the months to follow (he is now 4). After submitting full medical records last Aug 13, Embrace gladly accepted our dog for their coverage. However, this changed with his first illness claim 9 months later. Embrace replied their underwriter - erring on the side of safety for Embrace, deemed the cyst was possibly cancerous and therefore would be labeled a reoccuring and pre-existing cancerous condition warranting denial of any future cancer or mass removal claims when this young dog gets much older. I might add, despite the coverage denial for cancer, Embrace did not make any effort to reduce the monthly premium. Credit to them, they were very polite through the process, but it is like being stabbed in the heart with a knife while your attacker smiles. Needless to say, we won't be staying with Embrace any longer and unless you want to risk delayed coverage denial (for no valid reason) I would recommend you stay away from Embrace.

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early cyst removal deemed preexisitng cancer and future coverage denial
Claim Amount
$100 - $500

Pit Bull

Age of Pet
1 - 8

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