I took my one-year-old cat to the vet in February of '09 because she had the runs, and I just wanted to be sure that everything was okay.Embrace denied my claim, saying that she had a pre-existing condition.
The only other time my cat had seen the vet was when I brought her home for the first time, and I had her completely checked out by my house calls feline internist. At that time my cat had slightly loose stools, probably caused by the stress of moving, new food, or being in a new environment. It went away, untreated, in about a day.
To say that this trip to the vet 11 months later was a "pre-existing conditon" is pure fraud. I've attempted to cancel this policy because I don't believe that this is an ethical company. In fact, I have not even received the written confirmation of my cancellation that I requested! I would hate to make a serious claim after having had this policy long enough to have paid Ms. Bennett or Embrace insurance many thousands of dollars, only for them to find some way to deny it. Better to find out now and move on.