Pet insurance companies engage in the type of health insurance Erin Brokovitch fought against when the only type of health insurance for humans was non-PPO make-a-claim-that-we-then-deny style of insurance.
I am very happy to report, however, that I have not experienced this from Embrace. Their staff is very helpful, they stick to their policies and they are prompt with their benefits. Pretty much all of what we received has been according to what their policy says.
However, as such, they are not flexible and this is where Embrace shoots themselves in the foot and inconveniences their customers.
My Dog Lulu had some masses on her breasts that needed to be removed. The vet, to save money charged us for a Dental Treatment. The reason for this was because in the dental treatment they use the same anesthesia, they clean her teeth and they charge $200 less. So the idea was to charge for a Dental Phraxis (Pyraxis?), clean her teeth and at the same time remove the masses (they were small and near the surface; not a very invasive surgery). However, Embrace would not cover the dental procedure, not even with the wellness allowance that we have. This is legit and its very clear in their policy that they don't do this.
This means however that to receive more coverage I should have forgone the dental treatment, thus reducing the amount of care my dog received, submitted a claim to Embrace for a larger amount and paid less out of pocket. In this scenario, I win, everyone else,