SO FAR NOT TO HAPPY

2
Out of 10

I AM MOST UNHAPPY WITH YOUR DENIAL OF MY CLAIM.MY MALTESE WAS RUNNING A FENSE LINE WITH MY TWO GERMAN SHEPERDS AND WAS BITTEN IN THE BUT.i DONT BELEIVE THERE WAS A DOG FIGHT. I WOULD OF HEARD A DOG FIGHT. THERE WAS ONE YELP AND THE MALTEESE CAN INTO THE GARAGE AND STOOD BY THE DOOR. I DID NOT WITNESS ANY THING THAT ACTUALLY HAPPENED. THESE DOGS ARE TOGETHER DAY AND NIGHT AND THIS IS THE ONE AND ONLY INJURY MY MALTESSE HAS RECEIVED. I THINK HE WAS JUST IN THE WAY AND GOT GRABBED IN THE BUT. HE WEIGHT 6 LBS MY SHEPERD WEIGHTS WEIGHS 100LBS.
THERE WAS NO FIGHT OR MY 6 LBS MALTEESE WOULD NO BE AROUND

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Posted: 04/18/2010
By:  

I gotta agree with Lisa. I thought the same thing when reviewing their website. The coverage otherwise makes sense, with the exception of the 6 month ortho waiting period. To make you go and get a "clearance exam" during your waiting period just sets you up for ALL kinds of trouble due to the possibility for other "pre-existing conditions" being found, even if the are NOT ortho related. My advice? Wait out the waiting period if possible because even if you have an exam BEFORE purchasing the insurance you could STILL be denied on a "pre-existing" clause. Sort of a whirlwind! Too many things can and do go wrong!
After careful review of several policies though, Embrace clearly has excellent coverage if you are starting out with a healthy pet and has chronic care coverage without a "lifetime" maximum, only an annual max, which is VERY important for continued care!

Posted: 02/26/2010
By:  

If the policy excludes bites from animals in the same house, Phyllis is making the case for the insurance company. Furthermore, I find it unfair to even include this post as it is a frivolous complaint and is not fair to this company.
DISCLAIMER; I am a veterinarian researching insurance companies. I do not have a policy with this or any other insurance company, I am not paid by this or any other insurance company, nor do I own stock in this or any other insurance company.

Posted: 02/11/2010
By:  

The policy clearly states that they do not cover bites by other animals that live in the house. Sorry, but clearly in the policy.

Posted: 02/12/2010
By:  

I am investigating pet insurances for my own use and wonder, why would you "not" cover bites from other pets in the same household?