Recently, we've been noticing a trend to quickly categorize claims as "wellness" and be declined. A follow-up call is placed and after a few weeks the claim is processed correctly.
This latest claim is no exception. Our dog had a urinary tract infection two months ago and the claim was paid properly. The veterinarian stated protocol dictates that blood work be taken two months after finishing the medication to make sure the infection is completely gone. We had the necessary test done, it was coded as follow-up to a previous problem, and the claim was rejected as a wellness claim. If we were not monitoring closely (as we unfortunately have learned to do), this would have been the end of the story. A phone call was made to reiterate what the veterinarian wrote down and the claim was reconsidered and paid.
This sort of service didn't was unbelievable until recently. It seems something is changing in either personnel or policy at Embrace Pet Insurance.
Premiums keep rising and service is getting a little careless.
Bernese Mountain Dog