Are you kidding?

Out of 10

I've had Embrace insurance for my dog for less than a year and have been pleased thus far. Recently I was told a skin blemish on the dog's rear end could not be covered because he had an ear infection on his first appointment! Seriously, that's stretching it don't you think? I am disapointed to say the least. Also, you list ear problem and skin porblem seperately below. Obviously you do know they are two different things.

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Skin problem

Claim Amount
$100 - $500


Age of Pet
1 - 8

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Posted: 11/13/2011

I'm sorry your claim was not covered Barb. The ear infection you mention was actually 2 months prior to the start of your policy. The policy terms state that your dog needs to be free of any dermatalogical conditions, including ear infections, for 12 months if a dermatalogical condition occurred in the year prior to coverage starting. The bumps appeared to be the type that come from allergic reactions (as opposed to a skin mass) and therefore were not covered since it had not been 12 months free of skin conditions.