Bait & Switch???

Out of 10

I insured my two cats with Embrace for a year. The insurance appealed to me because Embrace touted how they would cover ongoing conditions beyond the first policy year and not consider them pre-existing conditions at renewal time. However, a close reading of the fine print revealed that coverage for ongoing conditions would be considerably reduced after the initial policy year, a stipulation I had to really dig for in order to find it out. Worse yet, when the first year's coverage approached its end and renewal time came up, Embrace jacked up the premiums by more than 40%. The initial premium was very competitive, but the second year's premium was outrageous. I felt that such a huge premuim ncrease for the second year almost amounted to a bait and switch tactic. Needless to say I didn't renew!

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Posted: 04/07/2010

I agree with both comments. It is hard to believe that this company is receiving 10 out of 10. If you have an animal that is 1, 2, 3 years old and have taken them to the vet they can any kind of pre-existing condition. It's a shame really....

Posted: 10/06/2009

This is exactly the kind of thing I'm concerned about. I have a healthy 2-year-old cat that has seen the vet consistently and I'm looking for a way to keep taking care of her without added financial burden. I agree that the higher premium does not seem fair or exemplify good business tactics. Sorry you had such a bad experience.

Posted: 10/18/2009

With all the "10 of 10" ratings on here about Embrace, it's hard to know if or how many of them are planted, so it's actually refreshing and crucial to read an honest criticism. Thank you.