I've held policies with other pet insurance companies, andup until today, I was happy with Embrace. I adopted my
dog, Sugar, last August, and I knew that she was almost
blind. My veterinarian was concerned about possible
SARDS, and so, I quickly had Sugar seen by an
opthalmologist at Purdue University. They did NOT
diagnose her with SARDS, but instead with PRA --
Progressive Retinol Atrophy. This is a irreversible
disorder, but except for the blindness, Sugar should have
no other symptoms and/or complications. So, I forgot
about it. PRA is not serious, and Sugar has adapted well
to her blindness.
Then, last month, she had a corneal ulcer, which prompted
Embrace to review her records. They saw that my
veterinarian was concerned about SARDS last year, and
immediately informed me in an email that SARDS was added
as an exclusion to my policy. Of course, I am fighting
them on this, since they didn't even bother checking to
see if Sugar saw a specialist, because if they did, they
would know that she doesn't have SARDS.
Even still, I am angry. This is a demonstration that
Embrace is just following the other pet insurance
companies -- i.e. they are just looking for easy,
convenient ways to exclude conditions. I am confident
that I will win, but I am still very disappointed.
Shame on you Embrace.