I was excited when I first got this insurance because it made all the sense in the world to me that I have insurance for my dog as well. Since I signed up for the insurance I have had nothing but issues. My first experience with them consisted of an email and a piece of actual mail saying my dog was covered as of 2 different dates, when I called to ask which was correct, I was told the earlier date was (say it was May 27th); When my dog was stung by a bee a couple days after (say May 29th) I paid the bill and sent in the claim in. When I heard back from Embrace they told me they would not cover because she was not actually covered until June 2nd. I told them I had even gone out of my way to call and clearly asked, "So she is covered as on May 27th, right?" When the customer service rep. said yes, I assumed they were giving me the correct information.
ThIs is the second year that I have had the insurance and called before her annual check up to make sure that once this visit was paid for, my deductible was met, when I was told yes, I again assumed they were giving me the correct information. 3 months after her annual visit and thinking that her deductible was covered, my dog had to go to the ER at 3am because of vomiting and diarrhea, I again paid for the visit thinking I would be reimburst the $369 for her visit, again the Embrace rep. informed me that my deductible was not met so they were only refunding me $169, due to my $200 deductible, which I had called about and wa