Experience as a veterinarian..
Experience as a veterinarian.. Let me start off by saying I am a licensed veterinarian. I use embrace for my two cats, one of which was one year old, and recently suffered an extremely debilitating disease course, consisting of diarrhea, weight loss, lethargy, and anorexia. We tested her for every disease under the sun. She, as with almost every kitten or puppy, had worms and bacterial diseases when she was pulled off the street from which she was rescued. She was treated and made a full recovery. Embrace skimmed through her records to say that because she had GI problems when she was young, this was considered a pre-existing condition (of which she was cured.. and had a completely unrelated, not similar at all disease one year later), and denied my entire claim , even after providing evidence that the diagnoses were completely unrelated, INCLUDING necropsy testing results. On top of this, it is almost impossible to get in contact with anyone on the phone, and when you ARE able to reach someone, its usually someone who has zero clue what they are talking about, and they need to redirect you to someone that isn't even working. I plan on cancelling my plan for my remaining cat, because I'm sure that whatever happens, they are going to do all they can to take months to respond to a claim and deny, deny, deny. WOULD NOT RECOMMEND.