We have had our dog insured for the past three years. In that time we used it for a hot spot that Embrace called dermatitis. Last month she had two ear infections and we were denied coverage due to a pre-existing condition! Really? They said that dermatitis sometimes causes ear infections. A hot spot and ear infection? I called and asked and they wouldn't do anything or take a second look.
We had no other choice but to cancel our policy. I submitted bills for close to $1000 and received $164 back.
Old English Sheepdog