Take your business elseware

Out of 10

Don't bother spending your money with Embrace, they consider a dog having diarrhea and an upset stomach a "pre-existing" condition. Therefore they don't cover any other stomach/diarrhea issues.
This was my first claim.

I will be taking my business elsewhere.

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Posted: 01/29/2009

I had the same experience.

Posted: 03/21/2009

I just switched my boy to Embrace from VPI. I completed the orthopedic evaluation form and sent full medical records for a review. Since my dog had a bout of diarrhea in May of last year, another such episode probably not be covered until a year goes by. At that point it will no longer be considered a pre-existing condition. At least I know up front ... and the medical review was suggested by the folks at Embrace.