Two words: Claim Denied.
Embrace Pet Insurance I don't think ever covered my dog and she was insured since she was a puppy and has no health issues. Guess what, they will find health issues. They fill find ways not to cover you. What I got was a head ache. My dog has a bug, I brought her to the vet. This adjuster, Christine W., came up with most insane and obscure reasons why my dog was not covered. Pleasant as could be, she would protect her company from payouts like an Olympic champion! Mine was only $300! Honestly, at one point they told me my puppy had a degenerative back disease because they did not process the orthopedic report. When that was cleared up she came up with a laundry list a mile long of illness my dogs must have that they can not cover! This is when I cancelled the policy. ENJOY YOUR TIME WITH YOUR DOG, it's PRECIOUS. Save you money, put it in a Health Savings Account for your beloved BEST FRIEND! Don't give your money to this scam. Guess what, my dog is bred for health! She and all her relatives are very very healthy! What they say couldn't be further from the truth. The people who respond to to these Yelp reviews are just trying to do damage control for those who haven't yet had the rude awakening that you are being taken for a ride. Shame on them for marketing themselves as animal lover. It takes a real heartless person to do what these claims adjustors do.