BEWARE Embrace! IMO, very shady company -- watch out for totally bogus claim denials.
Embrace is hands down the worst insurance company I have ever dealt with -- and Im a retired health care attorney with years of experience navigating claims.
Here's just one example: Last August (2015) we took our dog to the vet b/c she was vomiting -- maybe ate something toxic? When we submitted our claim to Embrace, they indicated we no longer had a policy with them. I figured it had lapsed -- assumed that was our mistake.
But when I learned monthly premiums were still being deducted from our bank, I called to clarify. Was told -- Oh yeah, that's right, you DO have a policy -- yeah, our prior communication was confusing....
So did Embrace then immediately pay for the august vet's visit? Nope. Embrace refused to pay -- claimed her vomiting was due to a "pre-existing condition." And what was their basis for saying her august 2015 vomiting was caused by a "pre-existing condition?" Well, the medical records show that she had actually vomited once before -- A YEAR BEFORE -- in August of 2014.
Yep. Embrace asserts that if a dog is treated for vomiting in August 2015, they can refuse to pay -- calling it a "preexisting condition" --solely because that dog had vomited -- ONCE -- 12 MONTHS EARLIER.
Of course I asked what disease or "pre-exisinting condition" could possibly make an animal vomit once-every-12-months --- of course the Embrace claims rep had no answer. Just another standard attempt to get away with non-payment of valid claims....
This is not the only example of what I consider to be bad-faith denials -- just one of their more blatant. State regulators really should be taking a look at this company.