Really disappointed in broad claim denials

Out of 10

Embrace has completely denied claims for totally unrelated allergies that my dog has had, because they treat ALL allergies as being the same. Even when my vet called them to explain that the past allergies and the new one were completely unrelated (sort of like the difference between having hay fever versus being allergic to onions), Embrace still said no. Then when my dog had a yeast infection in her ear, they denied the claim saying that "Allergies increase the risk of secondary skin and ear infections and is the reason we cannot provide coverage for the claim". Wow!! Buyer beware!!! It appears that Embrace will do whatever they can to deny claims. I was really hopeful, but now I am most disappointed.

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Ear Problem

Claim Amount
$100 - $500

Golden Retriever

Age of Pet
1 - 8

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Posted: 07/07/2010

I would like to see if the issues you had with Embrace would have been handled any differently by another insurance company. All insurance companies do not cover any pre-existing conditions or issues associated with them or caused by them. I think this review is unfair as it would be the same case with any provider.

Posted: 01/11/2011

However, a more recent comment has the same issue with allergy claims. The puppy had pyoderma as a puppy (what vets call "puppy acne") which they grow out of. The dog ended up getting allergies later in life, and because allergies also have skin itchiness, the allergy claims were denied as pre-existing...despite being told the puppy issue was pyoderma and never being diagnosed or suspected of having allergies.
Given that many puppies get "puppy acne", it seems like many would never be covered for allergies despite their claims to cover.

I'm leary of all the allergy denials I'm reading on here. Allergies are expensive, ongoing, and seem easy to deny - if a vet ever noted that a pup ever had a rash, mark, ear infection, or any other unrelated skin condition they want to link it to.