What a ripoff!

Out of 10

They rejected my claims stating that my dog's bacterial skin infections were a pre-existing chronic condition based on the fact that the prior year she was observed chewing her feet. They don't seem to know the difference between allergies and infections. This was after two months of runaround repeatedly faxing documentation to them. VPI was much more reasonable in their claims processing.

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Skin problem

Claim Amount
$500 - $1000

Shih Tzu

Age of Pet
1 - 8

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Posted: 01/18/2011

I disagree. we do not have Embrace, but just finishing year with VPI, and very unsatisfied with them. had to submit claim 2 times, and have Vet submit documentation too. they still declined. When we signed up we were lied to. They stated that if pet went 6 months without the same issue, that it would be cover. that was so not true. would go after them for breach of contract, but keep getting run around. Was thinking about starting Embrace, but starting to think they are all the same...