Complaints

This profile includes complaints for Embrace Pet Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Embrace Pet Insurance

  PO Box 22188 Beachwood, OH 44122-0188

  
• 

  Embrace Pet Insurance

  4530 Richmond Rd Cleveland, OH 44128-5757

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/18/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My puppy had an accident and broke his leg back in April. I filed the claim right away (4/22). I was told it would take 30 days to resolve. The claims (3 in all) are all listed as pending. I've called numerous times to see why and at first they said that my vet hadn't sent over the paperwork, but about 3 weeks ago they said they had everything they needed and that it would take another week or so. It's now almost two months since the accident and nothing had been resolved. All claims are still listed as pending. I paid my premium expecting a service, and embrace was quick to collect that money, but in the unfortunate circumstance that I have a claim, it's not resolved in a timely manner. It is distressing to have to lay out ~$8,000.00 and be left on the hook by Embrace. Their site says 15 days to resolve claims with the first claim taking longer, about 30 days - but it's been almost 60 days now. Is this a legit insurance company? Feels like a scam.

  

  Business Response

  Date: 06/21/2022

  Hello BBB,

  I would be happy to discuss this case with you. A policy was purchased with Embrace Pet Insurance (EPI) on 3/26/22 by ****** ********. The policy has a 2-day accident waiting period, which ended on 3/29/22, a 14-day illness waiting period, which ended on 4/10/22, and a 6-month orthopedic waiting period, which is set to end on 9/27/22. The policy is for ******** 9-month-old, male, small mixed breed canine, Ollie.
  
  Every pet has a medical history review to determine their pre-existing conditions. The medical history review can be completed at the end of the illness waiting period per request of the pet parent or when the first illness or accident claim is submitted to EPI. A medical history review was not requested for Ollie, so it was set to initiate when the first illness or accident claim was received.
  
  On 4/22/22, a claim for ***** was received by EPI, which initiated the medical history review process. On 4/22/22, records were requested from ********* ********** ******al and these records were received on 4/22/22. Upon review of these records on 5/16/22, it was determined we also lacked records from the Veterinary Medical Center of Long Island to be able to complete the medical history review. The medical history was requested via fax and email on 5/16/22, 5/21/22, and 5/26/22 from the Veterinary Medical Center of Long Island and was received on 5/27/22.
  
  The medical history for ***** has now been reviewed and the three pending claims have been processed. Email communication for each claim has been sent to Nicole to explain the coverage decision and directions on accessing the explanation of benefits (EOB).
  First accident or illness claims for a pet do tend to take longer to process if the medical history review still needs to be completed. We do mention this process should take about 30 days; however, it can take longer when a veterinary facility needs multiple requests to submit their medical history to EPI.
  
  If you have any additional questions, please do not hesitate to ask!
  
  Sincerely,
  **** ******, RVT
  Senior Lead Claim Adjuster

• Initial Complaint

  Date:06/14/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a confirmation email on May 5th that my policy would not be renewed yet money was taken from my bank account on June 13th. I don't see a policy number or info on my **** bank account.

  

  Business Response

  Date: 06/15/2022

  Hello *****,
  
  I had our finance department investigate this for you. I do apologize for an inconvenience this may have caused, as I do see you for charged $225 for Wellness Rewards on 6/9/22 which was indeed after cancellation. Since you are disputing these charges with your bank, we are unable to provide a refund currently. We must wait for the dispute to finalize.
  
  Please check in with your bank and then call us at ************ to further assist.

  ***** *******

  Team Lead, Customer Care Embracer

• Initial Complaint

  Date:06/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got embrace pet insurance for my two dogs because I am a college student and vet bills are expensive. When talking to the employees of pet insurance they stated no matter what policy I picked if it was cheap or not I will be getting my money back. I was told that everything will be reimbursed. They only reimbursed me for two claims. I was frustrated because they told me they weren’t going to reimburse me, when they stated from the beginning how they will no matter what. I canceled my policy and now they are making me pay 112 for going overboard my wellness rewards. They never told me I had to pay this ever before. They lack of customer service, no one gets on the phone or emails you back. This is not fair and they scammed me .

  

  Business Response

  Date: 06/10/2022

  Hello,
  I would be happy to explain this case. ***** ****** initially purchased an insurance policy with Embrace Pet Insurance on 3/17/22 for her pets ***** and Blue. This policy came with a $750.00 deductible with a maximum coverage amount of $5,000.00 for accident or illness services. On 3/24/22 Ms. Maglio opted to add our optional $250.00 Wellness Rewards Program to her active policy for both of her pets. Our Wellness Rewards Program is similar to a health saving plan and allows pet parents to pay monthly for a predetermined amount of wellness services chosen by the policy holder. The option that was chosen would provide reimbursement up to $250.00 per pet of wellness services at an annual cost per pet of $225.00. These wellness services include wellness exams, vaccines, and monthly preventative care. *** ****** was explained by email that this plan would require the 12 monthly payments of $37.50 ($18.75 per pet) be made for the year, the first of which was collected at the time the Wellness Rewards program was added.

  
  When a policy is first purchased with Embrace Pet Insurance (EPI), an onboarding email is sent that contains all the policy documents as well as the policy’s terms and conditions. That email explains the policy waiting periods, which include a 14-day illness waiting period. This means any abnormalities noted 12 months prior to the policy start until the end of the 14-day illness waiting period are listed as pre-existing exclusions under the policy.

  
  We received the first claim for *** ******’s dog ***** on 3/25/22 for a date of service of 3/24/22. This claim was submitted for wellness services and an ear infection. Because this claim was submitted during the 14-day policy waiting period, items and services related to the ear infection were not eligible for coverage. This claim included $315.02 in wellness services. We reimbursed *** ****** for her full chosen Wellness Rewards amount of $250.00. On 3/28/22 we received *** ******’s first claim for her other dog Blue for a date of service of 3/25/22. This claim included $418.01 of wellness services. We reimbursed *** ****** her full Wellness Rewards Program amount of $250.00. On 6/2/22 we received another claim for Blue for a total amount of $347.77 of wellness services including a canine spay procedure. Spay procedures are only eligible for reimbursement through the optional Wellness Rewards Program as a spay procedure is preventative in nature. Because *** ****** had previously maxed out Blue’s possible Wellness Reward reimbursement with a prior claim, no reimbursement was available for this claim. *** ****** was notified that we would not be able to reimburse her for this claim due to her Wellness Rewards being maxed out. She was also informed at this time that she had the option to increase the limit on her Wellness Rewards amounts at any time. On 6/7/22, *** ****** notified us that she would like her policy canceled with our company. At the time of cancelation, $169.00 had been paid towards each pet’s $225.00 annual Wellness Rewards cost, leaving a remaining balance of $56.00 per pet. This amount was paid by *** ****** on 6/8/22.

  
  If you have any additional questions, please do not hesitate to ask.

  
  Sincerely,
  ***** ********, RVT
  Lead Claim Adjuster 

  Customer Answer

  Date: 06/10/2022

  Thank you for taking your time. I believe everything that was about embrace was false advertising. They did not tell me I could max out my rewards.

• Initial Complaint

  Date:05/26/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased pet insurance through Embrace and confirmed surgery would be covered. They covered the consultation for Brachycephalic surgery but not the surgery because the vet recommended seeking surgeons advice if surgery was needed. They considered the condition to be preexisting because the vet upon puppies initial visit indicated he snorts which is a characteristic of a French bull dog

  

  Business Response

  Date: 05/27/2022

  Dear BBB,

  I would be happy to discuss the case with you. This pet’s policy started on 11/19/21 and the waiting periods ended on 11/21/21 (accidents), 12/3/21 (illnesses), and 12/18/21 (orthopedic conditions). Our policy requires a medical review for all pet’s before we can process an illness claim, so we can determine any pre-existing conditions since those are excluded from coverage.

  This pet’s medical records were reviewed, and **** was found to have mild stertorous breathing during his exam on 10/28/21. The veterinarian mentioned **** likely having brachycephalic airway obstruction syndrome (structural abnormalities of the nasal passages [stenotic nares], soft palate [elongated palate], and laryngeal saccules [everted saccules]) and could potentially need surgical correction. As stertor is a clinical sign of brachycephalic airway syndrome, is an abnormality, and was present prior to the start of the policy, the condition is pre-existing and not eligible for coverage.

  Mrs. ************** submitted a claim for evaluation of the stenotic nares for date of service 4/20/22. This claim was unfortunately covered in error by Embrace. While we did not take away coverage for the claim processed by us in error, we cannot continue to cover the condition. This is stated in the policy terms and conditions, which I have included below.

  PART VI - OTHER TERMS AND CONDITIONS
  
  6. Rights In the event we reimburse a Claim contrary to the policy terms and conditions, this payment will not constitute a waiver of our rights to apply the terms and conditions retrospectively as they stand to any paid Claims or to any future Claims for that or any related condition. We reserve our right to recover from you any Claim reimbursement paid in error.
  
  A pre-certification claim was then submitted for surgical correction of the brachycephalic airway obstruction syndrome, which was not eligible for coverage due to the pre-existing stertor, a clinical sign of brachycephalic airway syndrome.
  Mrs. ************** spoke with Embrace claims staff about the pre-certification not being covered and was given the option to appeal the claim coverage with more information from her veterinarian. Mrs. ************** cancelled her policy as of 5/26/22.

  If you have any additional questions, please do not hesitate to ask!

  Warm Regards,

  Ashley M*******, R.V.T
  Senior Claims Adjuster

• Initial Complaint

  Date:05/25/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am suspicious about the practices of Embrace pet insurance company. Their employees are very evasive and seem to have little knowledge about their company processes. After receiving an exhaustive list of exclusions that listed conditions that hadn’t occurred previous to policy I did a bit more research on the company and found that there are many similar customer concerns with Embrace. I also found that Embrace has been known to unexpectedly double monthly rates and deny legitimate claims consistently. I am currently getting the runaround about a submitted claim regarding a recent diabetes diagnosis my dog received after his policy was active. With no prior incidences of diabetes, Embrace had deemed it a pre-existing exclusion. Judging by their online reviews, this is common practice. Something is not right. Embrace insurance practices need to be investigated.

  

  Business Response

  Date: 05/26/2022

  Dear BBB,

  I would be happy to explain the case with you.

  This pet’s policy started on 4/2/22 and the waiting periods ended (or will end) on 4/4/22 (accidents), 4/16/22 (illnesses), and 10/2/22 (orthopedic conditions). Our policy requires a medical review for all pet’s before we can process an illness claim, so we can determine any pre-existing conditions since those are excluded from coverage.

  **** ******** was offered a medical history review for ****** on 4/16/22 when the illness waiting period ended, but a review was not requested. As such, we did not begin reviewing medical history until we received the first claim on 5/4/22. Once all records were received and reviewed, **** ******** was sent a medical history review email on 5/24/22 detailing all the pre-existing conditions for Bailey, one of which being the diabetes mellitus.
  ****** was noted to have lethargy, anorexia (not eating), an elevated glucose, and elevated liver enzymes on 4/1/22 and 4/2/22, which are clinical signs of diabetes. On 4/27/22, lethargy, vomiting, and anorexia were noted, and blood work again showed elevated glucose and elevated liver enzymes and ****** was diagnosed with diabetes on 4/28/22. Embrace’s terms and conditions define a pre-existing condition as:

  27. Pre-existing Condition(s) means:
  a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions: or
  b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
  c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
  
  Bailey’s clinical signs were undiagnosed and present prior to the end of the waiting period and eventually diagnosed as being due to diabetes. As such it is a pre-existing and not covered condition. The policy also cannot cover any related conditions to diabetes, which includes pancreatitis and liver issues. Several claims were submitted by **** ******** for dates ranging from 4/27/22 to 5/9/22 and all were related to the pre-existing diabetes and therefore are not eligible for coverage.

  If you have any additional questions, please do not hesitate to ask!

  Warm Regards,

  ****** ********, R.V.T
  Senior Claims Adjuster

  

  Business Response

  Date: 05/27/2022

  Dear BBB,

  I would be happy to further discuss the case with you. Embrace cannot review medical records for a pet until the waiting period has ended. Our customer service department spoke with **** ******** on 4/4/22 and did inform her of the medical history review process and advised to have one completed. It was also discussed that it would not be able to be done until the waiting period was over. Therefore, an email was sent on 4/16/22 letting Mrs. Campbell know that now that the waiting period was over, we would start the medical review process and what was needed for the review. An email was also sent on 4/16/22 detailing pre-existing conditions and how we define/determine them.

  Embrace started gathering the necessary medical records, but we had trouble obtaining all the records. We requested records multiple times from ********* ****** ******** and Associated Veterinary Specialists on 4/18/22, 4/23/22, 4/29/22, 5/4/22, and 5/9/22. We also emailed **** ******** directly on 5/9/22 to let her know we were still missing necessary records. Records were received/reviewed on 5/10/22 and it was found we were missing medical records from prior to the policy start from Veterinary Specialty Services and a request was sent that day for those records. On 5/19/22 records were reviewed, and we were still missing records. The clinic was emailed directly by an adjuster to obtain those records and was called the next day.

  Our policy defines a pre-existing condition as any illness that occurs or shows clinical signs prior to the end of the waiting period and also excludes related conditions. This means any illnesses and clinical signs of an illness present prior to 4/16/22 would be excluded from coverage. On 5/24/22, the medical review was completed, and **** ******** was sent an email detailing the pre-existing conditions for Bailey, including the diabetes exclusion. While **** ******** is correct that diabetes was not officially diagnosed prior to 4/28/22, her pet was showing clinical signs that can be attributed to diabetes, thus excluding diabetes from coverage.

  On 5/25/22, **** ******** emailed us indicating her dissatisfaction with the review and her intent to have her veterinarian submit more information. **** ******** also called and spoke with an adjuster regarding the pre-existing conditions and was offered to appeal the claim decisions by submitting more information.

  Additional information has already been provided to us and an appeal is open and pending review by our underwriter. The appeal process can take up to 15 business days and **** ******** will be notified once the appeal is completed.

  If you have any additional questions, please do not hesitate to ask!

  Warm Regards,

  ****** ********, R.V.T
  Senior Claims Adjuster

  Customer Answer

  Date: 05/27/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [[The list of dates and procedures that you claim to have performed to get claims information have only just been communicated to me in this response.  The only communication that I got from Embrace, about the work being done on my claim, was from multiple agents telling me that no one could reach ********* ****** ********, AVS, or VSS in addition to the notifications in my account saying the same thing; both indicated that no further work would be done until all three places sent in the documents you required.  At that point, I had to call all three places and get the documentation sent over myself.  Embrace had not reached out multiple times as stated in the response; they gave up after one attempt.  Representatives from all three vets told me that no one had reached out to them from Embrace at all.  With that in mind, I’m curious when all these communications happened with these three veterinarians and why that can’t corroborate that?  Additionally, your last response stated that my claim was also denied due to liver enzyme issues.  That statement was the first time that I was ever informed of that. In the 22 denial statements Embrace sent me and in the conversation with claims adjuster *** *****, the only reason for denial was the elevated blood sugar. Now, suddenly there’s a liver issue too? You never mentioned that before nor did *** ***** mention it being in the report. Be it that it is not once mentioned in any of my claim denials it is beyond suspicious that you’re including it now. It is on par with how you’ve done business so far.  Your company’s communication with me had been unorganized and misleading, but suddenly in a BBB response, you have all these dates, explanations, and structured responses. There is a huge disconnect here. My original statement stands regarding your unreliability and untrustworthiness. Period.]
  
  Regards,
  
  ***** ********
  
  
  
  
   

• Initial Complaint

  Date:05/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband is retired military & we’re members of USAA. Embrace pet insurance was offering its members 30% off pet insurance policies. I unenrolled all of my pets from a previous company to save some money since we have eight pets & signed up with Embrace. One of my dogs started having a problem with her eye in February (2022) then bloodwork determined pancreatitis, elevated blood sugar & thyroid. After further tests we were told she diabetic, had to keep her & start on insulin, thyroid medication, I had to take her every three weeks for blood test till we got her in therapeutic range for her thyroid & sugars. I submitted claims to embrace they put them on hold till I could produce vet records within a year of putting her on the policy, I gave everything I had including a Emergecy vet visit from April (2021) at that time my dog was uncomfortable & her stomach was hard I wasn’t sure if she had a blockage or what. I took her to the emergency, they did a check up including X-rays & said she had gastritis. The dr told me she must eaten something she shouldn’t have & it upset her stomach. She was given a shot of cerenia, sent home & told to follow up if she wasn’t better in 24 hours. Literally a few hours later after we got home, she was fine & jumping around like nothing happened. Since I’ve been waiting on claims to be paid since February I reached out to a manager at Embrace, she said she would reach out to an adjuster & have them expedite it. Two days later all my claims were denied & I was told because she had gastritis back in April (Ten months prior) that it’s related to diabetes & therefore is a preexisting condition. I explained that the notes clearly state she wasn’t on any medication when she was seen, if she was diabetic it would have said insulin & that the dr said she must have ate something bad to cause this. Because the dr didn’t write “ate something bad” it’s a preexisting condition & won’t pay, I’m stuck with almost a $2,000 in vet bills!

  

  Business Response

  Date: 05/23/2022

  Hello,

  
  I would be happy to explain this case with you. We received ******* ***********’s first claims for Charley on 2/25/22. Since the diagnoses on the claims were pancreatitis and conjunctivitis and these were her first illness claims submitted, a medical history review was required to process the claim. Typically, this process does add to the processing time of the first illness claim as we must request the medical history from the pet’s veterinarian(s) and then review it. Our normal estimate for first time illness claims is 30 days. We do try to request the medical history ahead of time to help decrease the timeframe, and did for Vanessa’s policy; however, we did not receive a response for all the veterinarians we had listed for her. We received the last response on 5/6/22 regarding the pre-policy medical history; however, once the medical history was fully reviewed, it was determined that due to the exclusions found, we would also need the medical history for the more recent visits to determine coverage. We received the additional medical history on 5/9/22 and the claims were processed on the same day.

  
  Regarding her exclusions, unfortunately per the terms and conditions of the policy, undiagnosed clinical signs noted prior to the policy start or within the waiting period do exclude both any future incidents of similar clinical signs and conditions that would cause those clinical signs. Since Charley was treated for undiagnosed decreased appetite and abdominal discomfort on 4/13/21, which was within the 12 months prior to the policy start, an exclusion for these clinical signs and anything that could have caused them was placed on the policy. With no bloodwork done to prove this episode on 4/13/21 was not caused by either pancreatitis or diabetes, we were unable to cover either condition. The exclusion was made permanent with the diagnosis of diabetes mellitus since it is a chronic condition. If she has further information from her veterinarian for an appeal of the exclusion, we would be happy to review that information for her.  

  
  I apologize for any frustration there has been with this policy. I hope that helps clarify the situation, but if you have any further questions or concerns, please let me know.

  
  Sincerely,

  
  ******* *****, RVT
  Senior Claims Adjuster

• Initial Complaint

  Date:05/21/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a pet insurance for my cat in the beginning of 2022. Two months later my cat had an accident ultimately resulting in his death. I have spent over $6000 knowing I had insurance for the instances like this. But when I submitted the claim "Embrace" kept asking for more information hoping to deny based on pre-existing conditions. I have sent them all the medical records the cat had while in my possession but they have kept my claims on indefinite hold. Trying to call them, got me nowhere waiting for over and hour. They stopped responding to emails and I hope they will respond to you. I am a physician and I deal with insurance companies daily. Payment on claim is a loss but I have been their customer for years and what is the insurance for otherwise ??? I am including all the information I have by accruing from the vets the cat has been to. Case Numbers are: *********** *********** ************ ***********

  

  Business Response

  Date: 05/23/2022

  Hello BBB,
  
  Please let me explain. Before Embrace Pet Insurance (EPI) can process any illness claims, a medical history review must be completed. EPI reviews all medical records on a pet from 1 year prior to the purchase of the policy through the 14-day waiting period for any pre-existing conditions. *** ********* purchased a policy for his cat, *****, on 12/13/21. ******* first claim was submitted on 3/14/22, in which records were then requested to complete the medical history review. After review of records from Best Friends Animal Hospital, it was noted that ***** had been seen at ******** ********** *********** and records were requested at that time on 4/5/22 and then again on 4/10/22. EPI had still not received the records as of 5/23/22, so an adjuster called the clinic to have them emailed directly to her. The documents were received, the records were reviewed, and all of ******* pending claims were processed on 5/23/22. I hope this helps clarify the situation.
  ****** ******, RVT
  Senior Lead, Claims Adjuster
  Embrace Pet Insurance