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My dog Otter was diagnosed with neck pain, and the two claims were denied because he was in his orthopedic waiting period. We have to pay up front out of pocket anyway and then wait god knows how long to see if our claim will even be accepted and how much we will get reimbursed.įirst, let me start by stating that I have had a TERRIBLE time with Embrace. She is only one year old so we are considering just opening a savings account and putting that money in there in case of an emergency. I am not sure that $68.58 a month is worth the headache.
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It will take approximately 10 business days for the history to be reviewed after which your claim status will change and it will be ready to be reviewed." Apparently they do not have enough staff to help their customers in a timely manner and the staff they have have no idea how to articulate exactly what they need in order to complete a claim. It has been over 5 weeks and now they send me an email stating "Banfield Pet Hospital has sent us the history and it's currently in line to be reviewed by an adjuster. I cannot help feeling like I am getting scammed. I feel like they are stalling and trying to come up with a reason to deny the claim. You can not get through on the phone no matter what time or day you call. But everything they ask for is in the medical records I already sent. Every time I send them what they ask for they ask for something else. The wellness claims pay fairly quickly but now that I submitted a $1200 claim for the mass removal they claim that they need more information even though I have sent it several times being sure to include and highlight the doctors notes. I pay $33.16 for insurance and $35.42 for wellness. Now they are saying that my claim is in review.
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Then they said they needed more information from my vet and that they requested it but my vet said they have never contacted them. I have send every document that I have on her from the time I got her. They keep asking for paperwork from my vet so I kept sending it. I have a puppy that just turned a year old, she has no pre existing anything and she developed a few masses that we had removed and biopsied.