Feel Completely Tricked

Out of 10

I signed up for a policy for my American Bulldog mix. After I sent in the paperwork for my health history review, I received notification that I needed to prove that my dog was a mix instead of a purebred - his file at the vet mistakenly identified him as a plain American Bulldog - or they were going to raise my premium. I talked to the vet and they said they would provide a written statement indicating that it was an error on their part, and that I really do have a mix. Embrace said this was not sufficient -- that I had to have something from the rescue. Which made no sense to me since they had to guess at what he said and the vet is way more qualified. I was also told that I could send in pictures to demonstrate that he was a mix. So I did. And I was then informed that I had a Boxer Mix so they were going to raise my rates anyway. Which is absolutely ridiculous b/c I did was I was asked to - I proved he was an American Bulldog mix and the underwriters at Embrace switched it up on me so they could raise my rates anyway. I asked for clarification on why they were raising the rates anyway, when I had done what they asked, and had a vet that was willing to atest to that. Instead of getting a response, I got an email informing me that my premium had been raised and my card had already been charged.
I feel completely hoodwinked and feel that Embrace has some unethical business practices. I have cancelled my policy b/c I do not want to do business with people I can't trust to be honest. I've read through these other reviews and realize that I am completely in the minority, but wanted to share my experience anyways.

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Posted: 04/07/2010

This is very helpful thanks for your response....

Posted: 02/12/2010

I also have a full breed dog and a mixed-breed. I am considering Embrace along with some other pet insurances. I am not going to "jump" into anything. I am actually going to read each brochure from end to end. All these posts are very helpful!

Posted: 12/29/2009

Thank you for writing this helpful review...

Posted: 01/24/2010

I really feel for the owner (I am a pet owner) but as I reread the post it sounds like a due-diligence issue. However, I would like to see a response from Embrace.