very disappointed and cancelled my policy

Out of 10

My Golden Retriever puppy got sick on the last day of her 14 day exclusionary period. I spent over $800 to get her well, but Embrace denied my single claim for $195. I found them extremely inflexible to deal with. Can not recommend at all.

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Claim Amount
$100 - $500

Golden Retriever

Age of Pet
Under a year

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Posted: 02/25/2015

I had the same issue. My boxer had an episode of Pancreatitis on the last day of our waiting period. I paid around $800.00 for his treatment and more for follow up and was not covered as it was on the last day before the policy became effective. But that is the risk you run in the 2-week waiting period and I was told if he didn't have an episode of pancreatitis within one year of his first episode it would only be a temporary exclusion. If he gets pancreatitis again and it is more than one year after his initial episode, he will then be covered. Since then Embrace has been wonderful and has covered just about everything he has gone through this year (minus dermatologic conditions). It has been a very tough year and Embrace has been wonderful to work with.