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Horrible company
I cannot express how bad this company is. I switched to Embrace after Nationwide raised their rates so high that we could no longer afford them. I knew that the two pre-existing conditions our dog had (lixating patella and collapsing trachea) would not be covered, but I discussed them with my vet and he agreed that both were mild cases, not getting any worse and we would not go after treatment for either. About six months after signing with Embrace, our dog came down with Pneumonia. Embrace denied all claims. Their excuse was that because our dog had come in with a cough due to the collapsing trachea in July of the previous year, Pneumonia would be considered a pre-existing condition. My vet rejected their excuse and wrote back that the pneumonia had nothing to do with the previous cough. They refused to pay. The pneumonia got worse, and to a point where our dog needed to be hospitalized (the very sort of thing I bought insurance for). We were several thousand in to treatment, and an emergency vet needed to place her in their hospital. I couldn’t afford the $5000/night cost. We tried our best, but we lost our baby, and it’s Embrace pet Insurances fault. If I were rich, I’d sue them simply out of principle. They were very much in the wrong, but there’s no way to fight them without money, and they know it. Stay away from this company. They are thieves.
Insurer: Embrace
By: Ross Henning
They know by now if there are questions…
They know by now if there are questions they go directly to the vet. They are prompt and helpful.
Insurer: Spot
By: Lorraine
claims very simple and straight forward
claims very simple and straight forward
Insurer: Embrace
By: JENNIFER GONZALEZ
Easy to submit documents with quick…
Easy to submit documents with quick turnaround time.
Insurer: Fetch
By: Joan
Easy to find and compare
Easy to find and compare
Insurer: Pumpkin
By: Benji
dont have a computer and 1000 phone--so…
dont have a computer and 1000 phone--so I have to mail you my bill submissions??
Insurer: Fetch
By: DICK WELLS
Great choice and coverage
Great choice and coverage.
Insurer: Spot
By: Glenn
Kindness in grief
When one of my pets passed they helped me with so much kindness and care! How to refund the previous payment and get that claim in to canceling with kindness! Very sweet customer service rep! The app is very easy to use and gets you to where you need!
Insurer: Spot
By: Mary Hooks
Help when you need it most
Submitting a claim could never be easier. Thank you Spot!
Insurer: Spot
By: Semurana Falealii
It is straightforward for the…
It is straightforward for the submission of a claim, and it is relatively quick to get a response. Generally, I find the adjudication of claims to be quite fair.
Insurer: Spot
By: James